23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have filed a request with Equifax multiple times with respect to the removal of a Chapter XXXX Bankruptcy from my record. XXXX and XXXX have already removed the item. However, despite my repeated efforts, Equifax continues to issue a investigative response that is irrelevant to the basis of my dispute and request. It is my position that, for whatever reason, Equifax ( i ) is not reading the specifics of my dispute and ( ii ) is improperly servicing my account, and I am suffering irreparable damage as a result. Indeed, they are incorrect for not XXXX but XXXX reasons ( i ) it is my understanding that, while this type of item may legally remain on my credit report for up to 10 years, it is typically removed after XXXX and ( ii ) I DID NOT actually go through with the bankruptcy. The item in question was dismissed by the court on XXXX XXXX, 2007 BECAUSE I did not proceed with the bankruptcy after filing the initial paperwork. As I have explained to, and provided documentation of to, Equifax on multiple occasions, after filing for Chapter XXXX Bankruptcy, I sought the advice of legal counsel who explained that ( i ) I did not need to file and ( ii ) a Chapter XXXX Bankruptcy was not the appropriate mechanism to address my concerns and was unwarranted. I, thereafter, decided NOT to proceed with the bankruptcy, and it was dismissed, meaning that ( i ) my creditors were NEVER notified, NO workout was arranged, NO discharge of any debts was applied and ( ii ) that I continued to service my bills. 

Equifax continues to issue me a response letter with their investigative findings simply stating that they have reviewed the information and confirmed that it was mine.
Product: Debt collection

I received a copy of my credit report. In detailed it listed a collection account that I have never opened, signed, or agreed to this account. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account.
Product: Debt collection

I already pay this collection amount to XXXX IN XXXX XXXX. 
XXXX XXXX NOW REPORTED IT AS OWN IN MY CREDIT REPORT THAT I OWED THE MONEY XXXX XXXX  SENT IT TO THEM.. 
Here are the attached copy of the collection paid in XXXX and Jefferson Capital with JCS number XXXX reporting it as owed but later delected it on their website but still on my credit report as owed..
Product: Vehicle loan or lease

Predatory loaning and XXXX the interest rate as well over the legal limit Federal and my state at 22.99 % they rope you into these deals knowing you're desperate plus put {$3000.00} down payment on a {$9900.00} car and they add a two-year warranty they don't tell you about and XXXX  insurance they don't tell you about. So your down payment goes toward nothing and as the paperwork says I end up paying {$18000.00} for a {$9900.00} car I put {$3000.00} on this company is crooked and has been doing this to people for years now and already has lawsuits against them predatory loaning and usury is astronomically wrong. Also we signed all the paperwork at the dealership and the signatures on the uploaded contract that I put on definitely not our signatures
Product: Credit reporting or other personal consumer reports

I previously requested that both Spring Oaks Capital SPV , LLC ( Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) and your bureau on XX/XX/year> provide valid documentation to substantiate the alleged debts in question. However, the responses I received consisted solely of billing statements, which do not constitute valid VOD as defined by the FCRA. The collection agency has failed to provide adequate proof of the debt, including the original contract, payment history, and any other documents necessary to validate the account. This lack of compliance with my request is a violation of 15 U.S.C. 1692g, which mandates that debt collectors provide verification of the debt upon request.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$480.00} I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Debt collection

The company nis trying to charge me twice for what seems to be the same account. {$2700.00} and {$2600.00}. I have been disputing these fraudulent accounts since 2023. I have requested Validation of Debt, Collection Agency License, Original Contract with my signature, acknowledgement of receipt of police reports and affidavits of identity theft, detailed methods of verification all of which have been ignored. I have even provided the company with a complete printout of FCRA-605b to explain that a fraudulent account can't legally be sold or reported after proof of such has been provided, which it has.
Product: Debt collection

Dear Bridgecrest I am writing to formally express my outrage and dissatisfaction with the grossly inadequate and misleading " investigation '' that your company has conducted into my consumer dispute, which has now reached an unacceptable level of negligence. 

Despite my multiple attempts to resolve this issue amicably, it is clear that your company is engaged in a deliberate attempt to undermine consumer rights by conducting what can only be described as a sham investigation. This investigation is neither thorough nor impartial. In fact, it is evident that your company 's actions are designed to obscure the truth, delay resolution, and ultimately avoid accountability. 

Let me make one thing clear : this behavior is not only unethical but also illegal. By failing to properly address and resolve legitimate consumer disputes, you are violating [ specific laws or regulations, e.g., Fair Credit Reporting Act ( FCRA ), Consumer Protection laws, etc. ], which require that all disputes be investigated in good faith and with due diligence. 

As a result of your failure to act in accordance with the law, I am left with no choice but to inform you that I will be pursuing all available legal remedies, including filing a formal lawsuit. This letter serves as a final warning to your company that further delays or attempts to dismiss my legitimate concerns will result in immediate legal action. 

To avoid escalation, I demand the following : IMMEDIATE REMOVAL A complete and thorough review of my dispute, conducted in full compliance with applicable law. 
A written explanation of the specific steps taken during your investigation and the evidence reviewed. 
A prompt resolution of my dispute and any necessary corrections to my account, including full compensation for any damages or losses incurred as a result of your failure to act responsibly. 
Please understand that I am prepared to take legal action without further notice if this matter is not resolved to my satisfaction within [ 15 days ] of receiving this letter. I will not hesitate to involve regulatory bodies, pursue claims for damages, or seek public remedies if you continue to mishandle this issue. 

I strongly advise you to take this letter seriously and treat this dispute with the urgency and respect it deserves. Your company 's failure to do so will not be tolerated. 

Sincerely, XXXX XXXX
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 accounts 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX BALANCED {$910.00} XXXX XXXX XXXX BALANCED {$1200.00} XXXX XXXX BALANCED {$1300.00} 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I have been a Wells Fargo customer since XXXX  and they charged me all types of fees that they were not authorized to do under the law. I should have received a refund for damages as the settlement sets forth, but I have not.
Product: Vehicle loan or lease

My Car repossessed in XX/XX/XXXX and I had filed bankruptcy back in XX/XX/XXXX and Wells Fargo would not work with me after I filed bankruptcy. so my car was repossessed in XXXX of XXXX  and I had to take out a loan to pay Wells Fargo almost {$4000.00} to get my car back and I am still trying to paid the monthly notes to them as of today ( XXXX ). 

My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Account number # XXXX Also, I have been contacting Wells Fargo for months to get a monthly statement. I am unable to get a monthly statement online or in the mail. They refused to sent me XXXX. Wellsl Fargo will not let me make payment online or see my balance. 

This is the message, I get when I try to see my balance, statements or yearly 1099 report : You do not have any accounts available for this service. Please select another service or call XXXX for assistance. i have attached a copy of what i can only see on Wells Fargo online system. 

I am unable to see if I have over paid or if they received payment and telling they did not. PLEASE HELP ME, I NEED YOUR HEL ASAP. 

Thank you very much
Product: Debt collection

The Military star card provided by XXXX XXXX card was set to automatic payments. I never received notice that the payment was not being received and then recevied a notice that I was being sent to collections. As of current I have received notice that they have flagged my credit with collections notice witho0ut proper due process.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/2022 I applied and was approved for a Chase XXXX XXXX credit card. The promotional offer at the time was 5 free night vouchers at XXXX properties if I spent {$5000.00} within the first three months of opening the card. As of XX/XX/2022, I believed I had met the requirements and stopped using the card for purchases, since the primary reason I'd applied for the card was for the promotional offer. My statement balances over that period totaled {$5000.00}. 

On XX/XX/2022 ( one week before the deadline for the promotion ), I called Chase to check on the status of my free night vouchers and was told I had nothing to worry about and would " definitely '' receive them. 

On XX/XX/2022, after still not receiving the vouchers, I called Chase again to check on the status but this time was told I had not met the spending requirements to qualify for the promotion. Apparently, the first time I called, neither myself nor the representative on the line realized we were including the {$95.00} annual fee in our calculations for whether or not I had spent enough on the card and the card 's fees do not count toward the {$5000.00} spend requirement. This left me approximately {$45.00} short of the spending requirement. After complaining to Chase and escalating, I was told awarding me the full 5 nights or even a portion of the nights would not be possible. 

I feel like this is a clear XXXX violation. Not only was it not made clear how to calculate my progress toward the welcome offer but there was no way to track my spending clearly on their app or website and their own representative misinformed me that I had qualified. If I'd been told of the shortage the first time I called in, I could have easily made a purchase to exceed the {$5000.00} requirement within the 3 month window. I am extremely frustrated that Chase did not even attempt to make this right. While I may not have met the letter of the requirement, I made every possible effort to ensure that I would qualify - even going so far as to call and double check with a representative before time ran out. I feel Chase should make some effort to make me whole, especially considering that I've been a loyal customer of theirs for many years and have always made on time payments. The exclusion of the fee from the spend requirement without offering an easy way to track progress toward a spend requirement like they offer with some of their other cards is deceptive, even if it may be spelled out in the fine print of disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Credit Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have filed complaint # XXXX concerning my non public personal information being shared by a financial institution, XXXX XXXX Bank XXXX XXXX Under the provisions of 15 USC 6802 of the XXXX XXXX I am exercising my right to not share my non public personal information. Please see original complaint and letter sent to the financial institution ( attached ).
Product: Credit reporting or other personal consumer reports

Transunion was notified by me of errors on my credit report on this account. They reported back that the information was accurate after investigating but errors are still there and the account is has errors.
Product: Payday loan, title loan, or personal loan

In XXXX of 2023 I had a family emergency and needed a {$1000.00} loan. I was not able to acquire a regular loan because of my credit score. River Valley Loans ( tribal loan organization ) approved me for the {$1000.00} loan. I originally signed for bi-weekly payments of {$260.00}. On XX/XX/2023, I called to change the payment date because I started a new job and my pay cycle changed. I spoke with a male agent asking if I can change the payment date and he stated yes. The next payment was originally supposed to deduct from my checking account on XX/XX/2023 but the date was changed to XX/XX/2023, and bi-weekly from XX/XX/2023. I failed to realize I signed up for weekly deductions of {$130.00} which was not explained verbally to be. I asked for biweekly deductions of {$260.00}. A payment was deducted from my account on XX/XX/2023, for {$130.00} and I noticed another payment was deducted on XX/XX/2023 for {$130.00} which caused my account balance to go low. I tried to reach out to the company but could not get through because of the high call volume. After doing research I found out Maryland law states that a lender can only charge 2 to 3 % monthly interest or 33 % annual interest on payday loans. After looking over my contract they are charging me an annual interest rate of 651.46 %. So far I have paid them back a total of {$1800.00}. I do not feel like I am legally obligated to pay back the rest of the loan. They are stating I owe a total of {$3900.00} if I am not able to pay the loan off early. I have attached a copy of of the new loan agreement as of XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNER ( 15 USC 1681 ) governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). ( 15 USC 1681 ( SECTION 604 SECTION 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under ( 15 USCS 1666b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I REQUEST THAT THIS ACCOUNT UPDATE AS ( PAID/NEVER LATE )
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm in the process of repairing my credit and disputed information against XXXX XXXX ( Virginia ) around XX/XX/XXXX they sent to a collection agency. The information was overturned in my favor. I checked my information this morning via XXXXXX/XX/XXXX and noticed XXXX XXXX has sent the collection through via another Collection Agency ( I C Systems XXXX XXXX, MN )
Product: Debt collection

I am writing to formally file a complaint against IQ Data International Inc. for their unprofessional and abusive conduct during recent interactions with me. Their behavior was not only inappropriate but also in clear violation of the standards expected from a professional debt collection agency. 

On XX/XX/year>, I received a call from IQ Data International Inc. regarding an outstanding debt. During the conversation, the representative used offensive and abusive language, which I found deeply distressing and unnecessary. Specifically, the representative mocked me by suggesting I should use a " binky '' and disparaged my military service, which was extremely demeaning and unprofessional.

Additionally, the representative went on unrelated tangents about topics such as the President, which were completely irrelevant to the matter at hand and appeared intended to belittle or distract me rather than resolve the issue professionally. These actions created a hostile and intimidating environment and failed to address my legitimate concerns about the debt they were attempting to collect.

I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, harassing, or misleading practices. I am shocked by the lack of professionalism displayed by this agency and am requesting that appropriate action be taken to address this matter. 

To assist in your investigation, I am providing the following details : Date and time of the call : XX/XX/scrub>XXXX XXXX XXXX XXXX Phone number ( XXXX ) used by the debt collector : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My XXXX XXXX  was the victim of a crime. He was contacted via XXXX. A stranger persuaded him to accept the images of 2 {$4000.00} checks, deposit them into his checking account and transfer some of the money back via Venmo. 
Check # 1, {$4000.00}, was deposited on XX/XX/2021 Check # 2, {$4000.00}, was deposited on XX/XX/2021 Venmo transfer # 1, {$3500.00} was on XX/XX/2021 Venmo transfer # 2, {$1000.00} was on XX/XX/2021 We've contacted Venmo to dispute the charges but they do not seem to be taking the matter seriously.
Product: Debt collection

Both my husband and I have been receiving threatening voicemails from Portfolio Recovery. We have never received anything from them about any debt. Yet they are showing up on both our credit reports. With all the scammers I refuse to pay anyone claiming to be a debt collector. We suspect they are trying to collect on debts that were discharged in bankruptcy. With no proof of debt and threatening voicemails they are breaking debt collection laws. These calls are also past XXXX.
Product: Credit card

A Military Star Credit card, aka Take it Home Today, was settled in a dispute resulting in no balance due following settlement. As part of the settlement, the company agreed to remove the item from all trade lines. As of today the information for account # XXXX is still showing on the " XXXX '' credit reporting agencies trade line under my name, and is a violation of the agreement made by the company almost a year ago.