23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to the Credit Report site that should get all three of the credit reports. No problem with XXXX, and got the XXXX online, but a download of the report did not work. Still waiting for XXXX to respond to my " Online Complaint ''. 

Then tried to get the Equifax report. There system would not take the last four of the Social Security Number. It keep giving me a error code. So I filled out the " Online Complaint '' form telling then of the problem. I did not receive any notification that they have check on the problem with there system. Then get a printed form, in the mail from them, asking for my information ( See Attachment ). 

It appears that Equifax has some problems with there systems since it will not take my valid SSN. 
If the system will not take the correct Social Security Number then do not know what good it will do to send them the same information!! Also have had other problems with the Equifax systems in trying to freeze my " Credit Report '' and trying to get them to monitor it. So have no confidence in them doing anything correct with there systems.
Product: Debt collection

I have made several attempts for XXXX XXXX XXXX XXXX to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. Homedepot lost/never cashed check. I tried to request that they waive penalty fees and they refused. Citi Bank/Home Depot sent a settlement letter which was again paid by escrow company. Check was cashed by Home Depot and I shouldn't be punished for their error. 

This issue has been going on for two years and is causing me financial harm.
Product: Debt collection

I originally went to the emergency room for a medical issue. I spoke to the admissions nurse and decided to go to my regular doctor for treatment however the emergency room charged me for treatment that was never administered. They can not verify the condition I had, the doctor who supposedly treated me nor the prognosis for the future, therefore it is impossible that they treated me as they claim or they would know these details because they would be in my patient records.
Product: Debt collection

I submitted a complaint to the CFPB regarding their multiple phone calls, after contact, and they subsequently sent the account to a Collection Agency ( XXXX XXXX XXXX ) threatening to negatively impact my credit even tho I am not 30 days past due!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts I listed below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) selection 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.

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 accurate. 
The items on the ACCOUNT are as followed : 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 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

I have requested several times for TransUnion and XXXX to correct the information being reported and I have not received the corrections updated and I have received no proof of the information being reported. 

Incorrect names, addresses and various other information
Product: Credit reporting

Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with experian and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2017 5 letter were drawn and sent certified mail to XXXX, Trans Union, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..
Product: Credit card

Hello, I have been paying Chase on my Credit Card balance since the last Chase Statement " date XXXX '' the Balance was {$8000.00} Chase has mailed me letter stated " Update : We received your payment and will forward it to XXXX. XXXX XXXX purchased your account from us on XXXX/XXXX/XXXX ''. " XXXX has filed to the Court that I owe " XXXX '' Principal and interest since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SUPERIOR COURT OF CALIFORNIA , COUNTY XXXX ( XXXX ) XXXX XXXX COURTHOUSE ORDER RE : CLAIM OF EXEMPTION The Judgment Debtor 's Claim of Exemption is GRANTED. That is my husband and I the join checking account at Chase Bank.On XXXX/XXXX/XXXX " XXXX, XXXX '' Faxed " NOTICE OF LEVY ( ENFORCEMENT OF JUDGMENT ) '' " WRIT OF EXECUTION '' to our join checking account at Chase Bank again. 
I do not owe any Credit Card balance to " XXXX, XXXX " XXXX, XXXX '' has no right to file the judgment on me. I had paid Chase Credit Card {$5.00}, XXXX ending XXXX, XXXX since the Chase Statement balance was {$8000.00} Chase has received my Chase Credit Card Account payment through my Bank Bill Pay to " XXXX. XXXX XXXX XXXX, Illinois ''. There is no current balance statement from Chase. It is not right for Chase to have cardholders pay card payments to other than Chase because Chase sold the account. I had used Chase Credit Card not XXXX therefore, I pay Chase Credit Card.
Product: Credit reporting or other personal consumer reports

Hi CFPB : I received an email from XXXX XXXX today letting me know there was a hard pull on my credit report. I entered my XXXX XXXX account and found that XXXX ( Bank ) did a hard pull on my credit on XX/XX/XXXX. I did not apply for credit from XXXX Bank and have not held a XXXX credit card since XXXX. My credit report states my XXXX account was closed on XX/XX/XXXX, with no outstanding balance due. I believe it is unlawful for XXXX Bank to conduct a hard pull on my account and I would like for CFPB to advocate and recoup money on my behalf for XXXX 's violation of the law. Thank you for your attention to this matter. 

THANK YOU for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

Purchased XXXX airline tickets from Amex travel. Partially used points and charged the rest on XXXX card. Got confirmation and points were deducted and pending charge on account showed as transaction immediately. They never purchased the tickets and came back 5 days later and stated there was an error with my XXXX code. A representative later communicated this is not accurate because the charge went through and points deducted but they were not sure why the tickets were not booked. They notified me at XXXX at night and canceled them XXXX hours later. We called at XXXX XXXX when we woke up and opened the email that there was an issue. We were told that we had to rebook and tickets were {$12000.00} more in total than what we had paid and confirmed for. After 15 hours over 8 phone sessions and getting the run around, we were notified 14 days later that they would not honor the booking and blamed our XXXX code which is a lie as the charge could not have been made as pending if it was wrong according to their own rep. I asked them to record an official complaint on three different occasions and twice more on app but am doubtful that they did as I never received any help or response. I feel that they defrauded me and have been a customer for XXXX years without as much as a late payment. Something is wrong at this company and it has changed. I believe that the price of the tickets went up substantially after I purchased them and they found a way to back out by making up a fake reason and insisting that they emailed me XXXX things when only onewas sent which we responded to promptly after getting in the middle of the night. The first XXXX were apparently sent from XXXX teams which makes me think the issue was on their end as the third was a local based team. We triple checked all spam folder and had no issue getting the one sent in the middle of the night from the XXXX based team. Please prevent this from happened to someone else. They need to be held accountable. I will be discussing with our rep in congress who is very interested in these issues and letting them know that I have logged a complaint with CFPB. Thank you.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$260000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$8800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$7900.00} XXXX XXXX XXXX Balance Owed : {$380.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, My financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPBs Findings Indicate That Zelle Has Not Only Neglected To Protect Consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Debt collection

Dear LVNV FUNDING LLC, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Student loan

I contacted MOHELA to discuss lowered monthly payments and they confirmed I would have a lowered monthly payment of around $ XXXX. However, they never actually instituted this new monthly payment delaying a " final '' decision for months. Now, they say I'm behind on payments and I can not even pay on their website. When I try to explore payment options, it just says they're moving me to a new loan servicer. I'm not getting my new monthly payment, I can't pay, and they say I'm behind on payments.
Product: Credit card or prepaid card

due date of the credit card is XX/XX/XXXX. I called over the phone XX/XX/XXXX and do an auto pay through my spouse account, the rep spoke to both me and my spouse and finish the auto payment, It was all set and we hang up. We were surprise when we tried to use the card to pay a restaurant bill that it got declined, we called the citi bank why our transaction got declined, the said coz we have a late fee.

I was shock to know and i told them we did set up an auto pay, they said we did not. No one from their end informed us back that our auto pay did not push thru, we have to know it when we finish eating and not be able to pay for our lunch. 
So again i have to set up and new auto pay that day XX/XX/XXXX,  after getting all the infos and a long wait, this time they acknowledge that yes, its not allowing them to set up auto pay through phone. The rep said i have to go online and register ( which i did ) and to call 2 days after tp have the fee waived.

I called today to just be rebuked blatantly. They cant do anything to waived the late fee.

{$25.00} is a very minimal amt for me to be going through all this ... but i will bacause this is unfair.

we did our part setting up for auto pay via one of their reps before the due date. They fail to notify us before the due date that it did not push through. They dont even acknowlegde it that they have failure on their part- thats what it makes more soooooo frustrating!
Product: Checking or savings account

I am not able to connect my PNC account with XXXX to transfer funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am writing this communication to demonstrate that XXXX, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act. 

XXXX  XXXX  XXXX on my behalf has communicated with Equifax on XX/XX/XXXX and to this day XXXX has not responded. See Purdue v. RJ REYNOLDS TOBACCO COMPANY, 259 So. 3d 918 ( Fla. Dist. Ct. App. 2018 ) ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the XXXX this we will not do in the absence of more compelling evidence. '' ) XXXX XXXX did mail as the attachment has shown a requested response from XXXX however, XXXX refuses to respond, Therefore, XXXX is violating various provisions of the FCRA and continue to allow information to stay on my report that is : 1. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, Department of Education AFSA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Nationwide Recovery Service ) 2. Continue to report information that is and has been outdated for more than seven ( 7 ) years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven years ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven ( 7 ) years of reporting. 

In addition I am requesting a credit freeze on my account as I am a victim of identity theft. 

Please investigate my inquiry into why XXXX  refuses to deal with the issue of my credit report just as they did in past legal cases involving XXXX which include ( XXXX XXXX XXXX  XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX, XXXX ). In both of those cases XXXX  purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature. 

Thank you for looking into this inquiry and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/year> Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Cease and Desist Notice Regarding Alleged Debt Account # XXXX Amount {$3800.00} To Whom It May Concern, I am writing to request that you and your company desist all collection activities related to the alleged debt referenced above, which is purportedly owed to your company. This request is made under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the requirements of 15 USC 1602 regarding the provision of a 1099-C form in cases of charge-offs and write-offs.

Based on the absence of a 1099-C form and the lack of validation of the debt in accordance with the FDCPA, I have serious concerns regarding the legal validity and necessity of continued collection efforts by your company. Without the proper documentation and compliance with the provisions of 15 USC 1602, I request that all collection activities cease immediately.

Therefore, according to my rights under the FDCPA and the legal requirements outlined in 15 USC 1602, I formally request that you and your company : Cease all communication with me and any third parties regarding the alleged debt, including but not limited to phone calls, letters, and any other form of contact Cease all collection activities, including reporting the alleged debt to credit bureaus or pursuing any legal action.

Refrain from any further assertion of the alleged debt until adequate documentation and compliance with 15 USC 1602 are provided to me.

I remind you that failure to comply with this request will be considered a violation of the FDCPA and may result in legal action. Please take this notice seriously and provide confirmation in writing that collection activities have ceased.

Please consider this letter as a formal demand for the cessation of all collection activities related to the alleged debt in question. No further communication or collection attempts should be made concerning this debt until the requested documentation and compliance with 15 USC 1602 are provided and the debt is validated under the FDCPA. 
Sincerely, XXXX XXXX