23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received two calls in a 24-hour period from an unknown number that left messages with my name, my birthdate, my last four SSN, and my address claiming that my son had committed two counts of fraud and urged me or my son to contact XXXX immediately. They provided a " notice '' number ending in XXXX and referred to him as the " defendant '' They said I was a " substitute service '' or " person of interest. '' The call was very threatening and claimed a " motion had been granted to confirm and validate his whereabouts. ''
Product: Credit card

I called Bread Cashback Rewards American Express Credit Card to direct-deposit my cashback rewards to my checking account on XX/XX/XXXX. I provided the company with the same checking account that I use to pay my credit card bill. The only option to request cashback rewards is to call a customer service representative. There is no online form to complete and physical checks are not issued. Bread Cashback will only direct-deposit rewards money to a provided bank account or will provide a credit to the credit card statement. I spoke with 2 individuals on XX/XX/XXXX. I was informed the request had been made and it would take XXXX business days to complete the transaction. Upon ending the call I did not receive any confirmation that I made the request. 

I called Bread Cashback Rewards American Express Credit Card on XX/XX/XXXX to inquire about the status of the cashback rewards direct deposit I requested. I was told it could be taking longer due to the holidays but should be in my account within the next XXXX business days. 

I called Bread Cashback Rewards American Express Credit Card on XX/XX/XXXX and requested the issue be escalated. The customer service said there was no escalation procedure in place and that she could make the cashback rewards direct-deposit request again for me. The customer service representative went on to say that she could not find a request was ever made on my behalf but then said she found notes in her system. I asked for a confirmation number and she said there was not one since the request form is done internally. She said she would make the request again for me. 

Today is XX/XX/XXXXXXXX  and I still do not have the cashback promised to me on XX/XX/XXXX. I don't know what else to do so I am filing a complaint with the Consumer Financial Protection Bureau. When I call and speak to customer service at Bread Cashback Rewards American Express they say there is no escalation process. They also don't have confirmation numbers for requests made. They have to go through system notes to even find a request was made. The customer service reps are generally unknowledgeable, unhelpful, and unsympathetic to my situation. I'm beginning to wonder if this is all by design so the credit card company does not have to issue cashback rewards. I have stopped using the Bread Cashback Rewards American Express and just want the cashback promised to me so I can be done with this company.
Product: Payday loan, title loan, or personal loan

Based on my previous letter dated XX/XX/XXXX, the District Director of Operations of TitleMax called me and informed me that a ) the vehicle was in excellent condition and that they could sell it at auction to recover the amount owed or b ) they would accept my offer to pay {$7100.00} to return the vehicle to me. Based on this discussion, I agreed to option b. 

1. On XX/XX/XXXX, I made the payment in person to TitleMaxs XXXX store. TitleMax representative, XXXX XXXX XXXX signed the release agreement. 
2. I picked up the vehicle from XXXX XXXX XXXX in XXXX, NJ where TitleMax had sent the vehicle for auction. I observed them move the vehicle from the lot to the parking lot using a forklift despite me having the keys to the vehicle. 
3. On XX/XX/XXXX, I took the vehicle to XXXX of XXXX for scheduled maintenance. They informed me that the vehicle had been damaged due to improper towing. Both front and rear control arms are damaged due to the forklift or the original towing company mishandling the vehicle. An exhaust bracket is also damaged and needs repair. The damage assessment and estimated cost is attached. This damage has caused abnormal wear and tear on the tires. 
4. There is also minor damage in the trunk and front driver door area where TitleMax or its agents attempted to open the vehicle upon repossession. 

I contacted Titlemax in writing on XX/XX/XXXX and XX/XX/XXXX to ask them to pay for repairs. As per their reply dated XX/XX/XXXX Titlemax agreed to pay XXXX of XXXX the sum of {$1000.00} to repair these damages. 

However, despite repeated attempts to contact their store in XXXX  to arrange to sign the release documents I was told that no such arrangement to make payment had been made. 

I then contacted them in XX/XX/XXXX and again in XX/XX/XXXX and they replied on XX/XX/XXXX and asked me again to visit their store in XXXX  ( 3hrs from me ) by XX/XX/XXXX. Covid-19 lockdown started on XX/XX/XXXX in XXXX  and I doubt their store is even open. No one answers the phone there. Nor does the Regional Manager, XXXX XXXX answer. 

I have written to them on XX/XX/XXXX and XX/XX/XXXX asking them to send me the release documents via mail or electronically for signature but they have not responded.
Product: Credit reporting or other personal consumer reports

Subject : URGENT DISPUTE DEMAND DELETION OF FRAUDULENT XXXX ACCOUNT ( XXXX ) VIOLATIONS OF FCRA 607 ( b ), TEXAS FINANCE CODE 392** To Whom It May Concern : I demand the immediate deletion of the fraudulent XXXX  account ( XXXX ) from my TransUnion and XXXX credit files. This account contains provably false future-dated entries and violates federal and Texas law . Failure to comply will result in legal action for statutory damages. 

Critical Errors & Violations Future-Dated Entries : Date Opened : XX/XX/XXXX 2024 ( impossible, as todays date is [ current date ] ). 

Last Reported : XXXX 2024 ( future dates ). 

Payment History : Shows OK and 30/60 Days Late payments for XX/XX/XXXX2024 to XXXX 2024dates that have not yet occurred. 

Inconsistent Reporting : Terms : 24 months ( TransUnionXXXX XXXX vs. 0 months  ( XXXX ) XXXX 

Date Last Active : XXXX/2024 XXXX XXXX XXXX XXXX XXXX/2024 ( TransUnion ). 

FCRA 611 ( c ) Violation : If previously deleted and reinserted, you failed to notify me in writing within 5 days.

Texas Finance Code 392.304 ( a ) ( 8 ) : Misrepresenting debt details ( e.g., future dates, conflicting terms ).

Legal Demands Permanently delete account XXXX  within 5 business days**.

Send written confirmation of deletion and revised credit reports.

Cease unlawful reporting of this fraudulent account.

Failure to Comply Will Result In : CFPB Complaint : Citing violations of FCRA 607 ( b ) and the 2023 CFPB Consent Order against TransUnionXXXX XXXX 

Texas Attorney General Complaint : Under Texas DTPA ( statutory damages up to {$20000.00} ).

Lawsuit : For willful FCRA violations ( up to {$3500.00} + attorney fees ). 

Contact Information Phone : XXXX Email : XXXX CC : CFPB, Texas Attorney General Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service, and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have request validation of debt from them for the past XXXX XXXX and they are ignoring my request. It's mu understanding that per FCRA they are to take my request seriously.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. 

Thanks XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX : XXXX Old Address : XXXX XXXX XXXX XXXX FL XXXX To whom this may concern, I would like to apologize for the debt that was accrued toward your business ( XXXX XXXX XXXX. Unfortunately, it was a crazy time in XXXX I had just split from the mother of my child and we weren't living together. 

I simply never received the debt notice that was sent to the home. Again I apologize for the debt not being repaid in time because my being unaware there was still an amount owed. 

Covid brought a lot of unnecessary hardship that I am still managing currently. If there is anything at all that may be done about clearing this paid debt it would be greatly appreciated. At this moment I'm in the process of finding a home and this negative mark on my credit is adversely affecting my ability to do so. Please help however possible. 

Thank you for your time and understanding, XXXX XXXX
Product: Payday loan, title loan, or personal loan

We were notified we are in a federal disaster zone ( as of XX/XX/2023 ). I notified this company of the situation and to explore what forbearance or deferment programs they have available. The agent I spoke with informed me they do not have any programs available to assist me- all they can do is DOUBLE my next payment. 

I requested to speak with a supervisor to get clarity on WHY they do not offer a federal disaster zone victim any kind of forbearance ( the answer at this point was obvious - because they are a predatory loan scam company, but that's a different issue ) ... and this is where things got even stranger. After being placed on hold multiple times for several minutes ( the agent was polite but clueless ) she informed me no supervisor was available to assist me ( what a shock! ). 

After insisting to speak with a supervisor, I was informed 'someone would get back to me hopefully in 3 business days ). So after reaching out to this company in an effort to ensure that I do NOT default or miss any payments, to communicate that due to a federal disaster declaration I was attempting to work out something that at least is an arrangement that is suitable for them, not only could they not assist me but refused to put a supervisor on the line with me to provide any explanation whatsoever. 

Well I suppose this is the price people pay doing business with fly-by-night organizations like Balance Credit. If nothing else comes from this, at the very least hopefully others will learn from my horrible experience with them and avoid them like the charlatans that they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have lowered my credit score for no reason, AND ITS ERRORS, I have my credit card since XX/XX/2017 and have never missed a payment, and account always said ''good standing '', my score was a XXXX in XX/XX/2017 and went down to a XXXX, it should have gone up, so whats the problem i ask, why did they lower my score, since then i closed the account over 2 weeks ago and its showing a XXXX balance IS TOTALLY WRONG, THAT WAS A SECURED CREDIT CARD [ my money ], AND THE BANK SENT ME A CHECK FOR XXXX CENTS AND CLOSED THE ACCOUNT UPON MY REQUEST, NOW I WANT MY CREDIT SCORE RESTORED TO WHERE IT WAS BEFORE, this is total XXXX with major fraud, see pics of proof,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXate of Birth : XX/XX/year> SS # : XXXX Subject : DISPUTE OF LATE PAYMENT INFORMATION To Whom It May Concern, I am writing this letter to formally complain that my previous request has been ignored and that you have failed to uphold reasonable procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. The laws regarding credit reporting require that bureaus only report completely accurate credit information, and every effort must be made to guarantee the accuracy and correctness of the information being reported. 



ERROR IN THE INFORMATION REPORTED 1. XXXX XXXX  Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

It is imperative that this information be promptly removed from my credit report. It is not only inaccurate but also misleading, and its inclusion in your report constitutes a grave reporting error. 

According to federal law, you have a period of thirty ( 30 ) days to complete the reinvestigation.

Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file.

Additionally, I would like to remind you that, under Section 62XXXX of the FCRA, information providers ( XXXX BANK ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate. 

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections XXXX and XXXX of the FCRA. 

Thank you for your immediate attention to this matter. 

Regards/Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting this account as a late Payment and it shouldn't be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies listed on this report are reporting accounts that have been flagged as fraudulent accounts. This is a clear violation of the XXXX XXXX. 
I have attached a copy of my identity theft report with the accounts that need to be deleted from my credit report immediately.
Product: Mortgage

Quicken Loans ( or Rocket Mortgage ), is incorrectly attempting to classify my house as a multi-family ; despite me having contradictory information from the town and willing to provide it and obtain it for them during the refinance process. 

On XX/XX/XXXX I was informed they where going with a multi family appraisal evaluation on my residence despite this and other inaccuracies on the appraisal report and rocket Mortgage didn't want to me to provide any documentation otherwise contradicting this ( as I had prior appraisals, information from the building department, brokers opinion, prior loan paperwork and more ) as this matter was considered closed. I was told they would not even refund my deposit ( paid XX/XX/XXXX ), I informed them that I believed this was even a form a fraud to which they didn't care and XXXX then asked that I refer any issues to the general number. 

My only options left today to are work with different banks at high rates ( as rates have gone up ) or go back with them and not get the correct financed amount and possibly pay a PMI and receive improper valuations costing me money in other ways. this mistake on their part, in addition to now costing me time, will cost me possibly tens of thousands of dollars.
Product: Payday loan, title loan, personal loan, or advance loan

I started a personal loan with world finance XXXX of XXXX for {$1500.00}. The payback would equal out to {$3500.00}. As XX/XX/XXXX comes around I find myself struggling again to pay my rent and all of a sudden I received a text message from world finance. The message was asking to refinance my loan and receive money and lessen my monthly payments. Of course I agreed to the new terms. I came to find out later I had restarted another loan starting the repayment plan all over again. I was months away from paying off the first loan when I received that message. I only received {$400.00} for the refinanced loan and have to payback XXXX.
Product: Debt or credit management

I was not considered in the previous settlement and Ive used their services twice and should have been considered in this case. My address is not the same and I have since divorced and the file may be in my married name which was XXXX and XXXX is my maiden name. XXXX XXXX XXXX. XXXX XXXX XXXX is my current address
Product: Debt collection

Call from XXXX XXXX XXXX XXXX. Time and date : XXXX, XXXX XXXX, 2020 ; XXXX XXXX. Unanswered. Left no message. Unrecognized number. I called back on a computer VOIP, pressed 1 for English, and a man answered : " [ Unintelligible ] debt agency. '' I disconnected. In an attempt to hear the name, I called again via VOIP hours later. This time, a man immediately said, " May I have the phone number where you received a call from us? '' He did not name the " business ''. I disconnected. This is an unknown number, unknown cause, and scammy lack of leaving a message. The site " ReportedCalls '', XXXX  : XXXX, shows " XXXX XXXX XXXX XXXX  XXXX and 10 complaints to FTC. However, this was not the name given. ( And in second call, no name was given. ) I suspect XXXX XXXX, about which I also filed a complaint for unknown unsubstantiated calls, " sold '' my number to this scammer after the complaint.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Modify the following items on my credit report to XXXX XXXX on-time payments, immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX Re : Dispute of Charge-Off Reporting Request for Investigation and Clarification Regarding 1099-C Acct # : XXXX To Whom It May Concern, I am writing to dispute the reporting of the charged-off account referenced above currently reporting on my credit report for {$2100.00}. I have not received a 1099-C form indicating cancellation of the debt, which raises further concerns regarding the validity and accuracy of the reporting. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, furnishers of credit information are obligated to report data that is accurate, complete, and not misleading. In XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 526 F.3d 142 ( 4th Cir. 2008 ), the court ruled that creditors violate the FCRA if they report information in a way that is misleading or creates a materially inaccurate impression. 

I am disputing this account due to the following issues : The account is reported as a charge-off, but no 1099-C ( Cancellation of Debt ) form has been issued. According to IRS regulations ( 26 U.S. Code 6050P ), creditors are required to issue a 1099-C when {$600.00} or more of debt is canceled. If no 1099-C has been issued, this raises questions about the legitimacy of the charge-off and whether the debt remains outstanding. 

If this account has been sold to a third party, the reporting should reflect that ownership, and the creditor should cease reporting a balance. Reporting a charged-off debt as both owed and canceled is misleading and a potential violation of FCRA guidelines. 

To resolve this matter, I request the following : Provide detailed documentation to substantiate the accuracy of the reported information, including the charge-off date, balance history, and current ownership of the account. 
Confirm whether a 1099-C has been issued. If the debt has been forgiven or canceled, update the reporting to reflect a XXXX balance or delete the account entirely. 

If you can not verify the accuracy of the information or if it is determined that the reporting is incomplete or misleading, delete this account from my credit report immediately. 

Per the FCRA, 15 U.S.C. 1681i, you are required to complete your investigation and provide a written response within 30 days. Failure to comply with these obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or legal action to protect my rights. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please provide your response in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I mailed a certified letter to XXXX XXXX starting XXXX/XXXX/XXXX with the following information : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. The debt was stated to belong to MCCarthy, Burgess & Wolff. I sent another letter requesting validation of the debt and received nothing that provided valid proof that the debt was mine. The debt amount is said to be {$2700.00}.