23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I admit I made a late payment. I was struggling financially because of gas prices. I couldn't even afford to make a lunch at home and needed money for gas to get to work. I haven't made a late payment in a long time. I asked if late fee could be waived. I was told yes by " Customer Service Operator '' My next bill next payment/statement was ALOT more than my regular payment PLUS a late fee???????. I called to ask why this happened after I was told late fee was dropped and my payment was accepted. The " Customer Service Operator '' I spoke to was rude and difficult to understand I'm not even sure he understood me. So ... .Ok I got very agitated, all ready trying too hard to pay my bills. and gas to get to work. Oh ... and also ... ot takes almost HALF AN HOUR to get through to a " REAL PERSON ''???? Their Call System has way too many push button " requests '' I called back and got someone else who sounded nice and understanding but then she wasn't. I still wasn't getting an answer why this happened and I told her if the calls are recorded then a manager needs to go back and listen to it. Nothing was resolved. Each call got more and more frustrating. I demanded my account be closed. I cut up and burned my card. I used this card to help me afford my prescription medicine until my Insurance Deductible was met, some covered health products and some pet health products... I rather do without than be treated like this.!!!!! Something has changed with this company. Lately, too many " customer service '' " operators '' can barely speak understandable English and sound like they read off a script and don't really have their own reasonable explanation in their own words or even how they can help resolve the issue. Plus they are reluctant to transfer to a Manager. I know I owe money. But I am NOT being taken advantage of and paying back ONE CENT more to Care Credit. I've had enough of disrespect and attitude and lies and incorrectly trained " customer service operators '' my credit is in jeopardy all ready. I've tried so hard to maintain it. I don't need a company ruining it for me and making my credit even more negativily effected because I was lied to about a {$30.00} late fee I couldn't afford to pay and Now look at it!!! I'm NEVER going to be able to catch up. Shame on them. I've been with them for about 6 years ... .well NO more. I'm done. Life is difficult enough. This is the thanks I get for paying on time????
Product: Credit card

I applied in good faith for the SAMS CLUB business Mastercard. After good faith application had been summited received not one but TWO hard inquiries on my personal consumer credit report through XXXX then received a denial notice. If any portion of this application under the Application ID : XXXX or XXXX has been securitized as a asset backed note under securities act of 1934, within the Synchrony Bank SEC filled Prospectus, 10-K forms,8-k Forms and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting inaccurate and unlawful information on my credit report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies report do not look identical and are reporting a late payments for an account that does not belong to me, inquiries, address and name variations and employer that I did not authorize. 

Experian, XXXX and XXXX are reporting inaccurate and unlawful information on my consumer report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies do not look identical. 

XXXX XXXX XXXX XXXX REMOVE ) : XXXX XXXX DISMISSED XXXX XXXX XXXX XXXX XXXX  XXXX. THIS ITEM HAS BEEN DELETED FROM XXXX, EXPERIAN AND XXXX BUT STILLAPPEARS ON XXXX. 

XXXX XXXX XXXX REMOVE ) : XXXX XXXX XXXX. OPENED XXXX. 
INQUIRIES NOT AUTHORIZED BY ME ( REMOVE ) : XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX DEALER. INCORRECTADDRESSES ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX, XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX. 

XXXX XXXX ( REMOVE ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681a - ( 2 ) Exclusions.

( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

I've been trying for weeks to get a updated US bank XXXX by calling the XXXX XXXX on the back go through all the steps to be put on hold for a hr to get hung up on go on line cant get through go to the bank nothing cant get access to my funds thank you
Product: Credit reporting

Equifax has Reinserted previously deleted information on my Credit Report, in violation of FCRA Regulations. The Reinserted information was deleted based on the result of a 30 day investigation. Disputed information was tied to a Revolving account with XXXX under account number XXXX. 2 late payments were being reported on this account for the months of XX/XX/XXXX and XX/XX/XXXX. The account was updated on XX/XX/XXXX and the late payments were deleted, however Equifax has reinserted the late payments back onto the account on XX/XX/XXXX. FCRA Regulations do not allow the creditor/furnisher or the consumer credit agency to reinsert previously disputed information after it has been disputed, investigated, and deleted.
Product: Debt collection

Continental Central Credit , Inc. repeatedly calls from various numbers ( over 20 telephone numbers ). The debt was wrongfully submitted by " creditor '' XXXX XXXX XXXX as the creditor failed to conduct due diligence when billing health insurance.
Product: Consumer Loan

Purchased a television and dvd player back XX/XX/XXXX when I was XXXX and not working. I made all installments on time until XXXX. XX/XX/XXXX I received a settlement and went to pay off the balance in full at the round XXXX store I purchased the equipment from. When I went to the store the manager calculated what I owed to payoff the account which was just over {$700.00}. I paid that day and thought the account was closed. I received no additional bills or phone calls for close to a year. In XXXX I started receiving collection calls from calls. They call me on average XXXX times a day. Sometimes they say I owe {$110.00}, sometimes {$120.00} and sometimes {$140.00}. I told them I paid off the account last year. They informed me that I had insurance placed in the account and the additional money due is for unpaid insurance. I never asked or was told about any insurance and I later find out its XXXX and unemployment insurance. I was XXXX and not working at the time I purchased the television so this insurance does not even apply to me. I have asked them to remove the insurance and close my account since I paid it in full back in XXXX. I keep getting the run around. I have asked to see the contract XXXX times and still have not received it. Bet shady business practices going on here. Apparently I was paying for insurance almost a year without knowing R and they received that money I 'll gotten. Now they want more. I want the insurance removed, the account closed in good standing paid off and the information sent to the credit agencies. This needs to be done now!
Product: Mortgage

Home Point Financial will not let you modify payments within 5 days of a payment due date or during their " system maintenance '' hours, which are 2 hours per day plus another 6 hours on XXXX. This is almost 1/5 of the month, and for people who can't modify their payments during work, the system is only available to change payments about half the time. I can't imagine what kind of system maintenance would require 20 hours per week to do. This seems like a way to limit when you can modify payments.
Product: Money transfer, virtual currency, or money service

The CFPB findings that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. This leaves users vulnerable for scams and fraud as well as information leaks.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX/DEPT OF ED 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

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 15 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!
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX there was inquiries on my credit report from FOURSIGHT CA, XXXX, XXXX, XXXX XXXX, and XXXX  without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is reporting inaccurate information on my credit report. I call the court and they told me they dont report Bankruptcy to the credit bureaus. All 3 bureaus is reporting fraud on my credit report and i would like these to be removed ASAP.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance : {$0.00} SXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Purchased a 2021 XXXX XXXX and agreed to finance XXXX through Ally Financial in XXXX of this year. The terms of the loan were {$680.00} for 72 months. However after making three payments of {$680.00}, equaling {$2000.00} the loan has actually gone up from the amount I agreed on. The payoff today XXXX XXXX 2021 is XXXX, which is {$180.00} more than I even financed. I contacted Ally Financial and was told that {$13.00} was added to my account every day on top of the {$680.00}. So Ally financial is charging me {$1000.00} and my payments are only {$680.00}. So basically the loan is progressively going up instead of down and I did not agree to or sign a contract with these terms. It will literally be impossible to pay the vehicle off under these terms and the company has to know this and is deliberately taking advantage of consumers. I am also a XXXX veteran and feel as if I have been taken advantage of because of my XXXX status. I know I did not agree to this and Ally Financial should be investigated for illegal business practices.
Product: Credit reporting or other personal consumer reports

I have no idea what this is. I did not sign up for a credit card with this company. This is identity theft. I will file a police report today
Product: Debt collection

XXXX XXXX, XXXX has had callers from Washington State calling everyday I block the number a new numbers keep calling. 

Previous Debt Collector XXXX sold the debt. FROM 2003. It is 15 Years old. 

XXXX hides under the name XXXX XXXX  they have the same address in South Carolina Customers Phone : XXXX Fax : XXXX Borrower 's Authorizations : XXXX Contact by Email Correspondence Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Payment Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Overnight Payment Address XXXX XXXX XXXX Attn : Payment Processing XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX Issue Resolutions Office of the Chief Compliance Officer XXXX Compliance Department XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX So the current loop is XXXX XXXX, XXXX - XXXX - Doing business for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This letter is to formally notify you per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX  is a financial institution by definition under 15 USC 6801. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Experian and XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, XXXX and Experian are not maintaining reasonable procedures. Also,12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting this account out of your reporting services effective immediately.
Product: Debt collection

I contacted Harvard Collection, the collection agency that took over the XXXX account number XXXX, on XX/XX/XXXX via phone number ( XXXX ) XXXX ) upon becoming aware that I had a derogatory report on my credit. I explained to the representative that they were pursuing me wrongfully as I was XXXX between XX/XX/XXXX and was not release by the XXXX XXXX XXXX until XX/XX/XXXX. I agreed to settle the bill, nevertheless, for approximately half the amount of {$1900.00} ... that is {$970.00}. As part of the settlement, Harvard Collections would provide the satisfaction to the credit reporting company. The payment was to be paid in 3 parts of XXXX on XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX by auto pay from my chase checking account. 

On XX/XX/XXXX, I decided to call Harvard Collections to inquiry whether the satisfaction has been sent to the collection agency as agreed, but to my dismay I was told that i did not fulfilled the parameters of the agreement. They said, specifically that the XX/XX/XXXX auto pay from my chase checking account payment was not made. 
In addition, the representative said agreement made on XX/XX/XXXX was longer valid, and I would need to make a new deal that would consist of me paying over {$600.00} ... more than {$300.00} more than we had agreed upon. 
I immediately called XXXX and asked if an attempt was made from Harvard Collection on XX/XX/XXXX to withdraw the the XXXX, and if the payment was rejected for some reason. XXXX confirmed that the account was in good standing on XX/XX/XXXX and continue to be in good standing. 

My contention is that Harvard purposely and deceptively did not submit the final payment in order to claim a violation of the terms of our agreement and renege on the deal in attempt to extract more funds. 

I am hereby appealing to your agency to encourage Harvard Collections to comply with our original agreement. It is an atrocity that Harvard Collections would take such an underhanded route given the conditions that we as a society are living in -- we are going through a pandemic, and people can no longer claim ignorance to the struggles ex-prisoners go through in order to rebuild their lives.
Product: Debt collection

I am disputing a debt claim falsely attributed to me, totaling {$250.00} for XXXX medical appointments on XX/XX/year>, XX/XX/year>, and XX/XX/year>. The claim was forwarded to IC System XXXX XXXX, a collection agency, which has contacted me for payment. 

Details : Repeated Denials from XXXX XXXX : XXXX XXXX, the company alleged to have referred this debt, has repeatedly informed me via telephone that there are no records of any outstanding balances or invoices under my name. 

Lack of Evidence : Despite my requests, neither XXXX XXXX nor IC System has provided any valid documentation or proof substantiating the debt, such as detailed statements, original invoices, notes from the doctor or medical professional for the specific appointments that were not paid for, or any type of correspondence about the alleged debt. 

Attempts to Resolve : I have made multiple attempts to resolve this issue directly with Open Loop and have requested debt validation from IC System in compliance with the Fair Debt Collection Practices Act ( FDCPA ). Both parties have failed to provide the necessary documentation to validate this alleged debt. XXXX only provided a letter noting dates of service not paid for, but no supporting documentation was provided. XXXX XXXX has no record of these charges. 

Concerns : The lack of documentation and contradictory information from the creditor raises serious concerns about the legitimacy of this debt claim. This situation has caused undue stress and potential harm to my financial standing. 

XXXX Requested : I request that the CFPB facilitate a thorough investigation into this matter. I seek confirmation that the debt will not be reported to credit reporting agencies until fully validated. Should the debt be found unsubstantiated, I request its formal withdrawal and cessation of all collection attempts, in compliance with FDCPA guidelines.
Product: Money transfer, virtual currency, or money service

My complaint is about cash app and having unauthorized purchases on my account that they say is authorized but I did not authorize them.