23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by a debt collector called Phoenix on XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating this was from XXXX years ago, and defaulted XXXX years ago. The called myself, my husband, my estranged brother, and on XX/XX/XXXX my mother in law. 
I spoke with a gal named XXXX and asked for information on this debt, and she couldn't provide it to me unless I told her a number I would be willing to pay to settle this. And once I gave that number I'd be obligated to pay, which I believe re opens the XXXX '. I did had a XXXX 's credit card 10+ years ago, but it was paid off. I have not had one since then. 

The say I owe about {$600.00} to XXXX 's, but now it's over {$1000.00}. I told XXXX I need to talk with my Husband. We then played phone tag and I finally spoke with her today XX/XX/XXXX after she called my mother in law. She still couldn't give me anything in writing, and tried to use scare tactics of court, sued, garnish wages etc. 

I religiously check my credit report/score and was able to pull mine from XXXX and there was no debt on there, or defaulted debt. I know in XXXX the date debts expire is XXXX. 

I had my social security number stolen, and someone applied for unemployment in my name in the spring of XXXX, so this makes me cautious to pay for something I don't think is mine, or have proof of. Supposedly the attorney helping with this sent me a letter, which I never received. 

The said in my first call they have a pending civil lawsuit with allegations of breach of contract and financial fraud. The amount is {$1200.00} and {$650.00} is from XXXX, but this closed is XXXX. Mind you, I have had other loans and a mortgage and this never showed up. 

They said they attorney they were assisting is XXXX XXXX & XXXX, but i can't find any information
Product: Credit reporting or other personal consumer reports

My account with DISCOVERBANK was never late! I have had exceptional payment history with DISCOVERBANK and 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 reported in XX/XX/year> to be removed. 

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.

DISCOVERBANK 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft who has already submitted my notice of identity theft to the credit reporting agencies, XXXX XXXX, Experian, and XXXX. Three of the accounts resulting from identity theft were not blocked, deleted, nor removed. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As of now my credit reputation and character is still being damaged due to the inaccurate information and I am not requesting a reinvestigation in accordance with FCRA Section 1681i. I am expecting the credit reporting agencies mentioned in this complaint to do what is fair and equitable to me as a consumer by blocking, deleting, and removing the information identified as identity theft. See attached.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX TRANSUNION 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 XXXX 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: Checking or savings account

On Friday  XXXX   XXXX  I used an ATM just outside the lobby area of Regions Bank branch located at  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX , GA. I attempted to deposit a total ( cash ) amount {$690.00}. The ATM only gave me credit for {$300.00}! I received a error message returning my ATM debit card to me and prompting me to contact support and provided a number in which to call. After receiving this message I contacted the support team and on   XXXX   XXXX   3 days later I was credited with what now I understand as a provisional credit. Prior to this date I 'd experienced issues with not only this ATM but also the ATM located at  the drive  through taking the cash I was attempting to deposit and not crediting the account.I always make my deposit in portions to ensure i will not be inconvenienced financially because of the issues with the ATM.Once I could confirm the deposit amount I proceed to deposit the remainder.On Thursday   XXXX   XXXX   my account was deducted for the amount of  XXXX  and I was told that the ATM was not inbalanced after further investigating and that I was given the {$390.00} as more of a courtesy. This has caused such discomfort and inconvenience to me and I have been really frustrated with the process of getting my funds returned to me. I have also been charged overdraft fees for items deducted from my account that was debited days before this even took place I have been to the bank 3 times in 4 days spoke to branch managers  XXXX   &   XXXX  whom are extremely nice & seem to be helpful following the days this catastrophe .I was told that the ATM was n't over & I have basically lost out on my funds .They have insisted that ' they would further investigate and also credit me for fees associated with this incident but have I have yet to receive my {$390.00}. I am requesting video footage of me depositing MY  MONEY & video footage of whomever  else is responsible for manually balancing the ATMS. I need whomever in charge of checking the bank cassettes to make sure the $ $ did n't get caught up in those as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Debt collection

Original Company : XXXX XXXX. 
The latest collection agency, which contacted us by email, instead of USPS, which we have requested numerous times be the only form of contact, is LVNV funding LLC. 

We cancelled our satellite and they refused to come get the dish. We could not remove it because my husband is XXXX. There was nothing in the contract that said when we terminated our subscription we had to go on the roof and remove the dish. 

They threatened to turn us into collections. We sent them a certified letter on XXXX/XXXX/16, which we have a copy of, asking for documents that we signed that said we were responsible for climbing onto the roof and retrieving the dish. To date, no one has ever provided this documentation. 

We have now been contacted by several debt collectors asking for money. Each time we respond in the appropriate amount of time, again, asking for documentation on the debt. We have never been sent any proof of debt. 

This harassment has been going on for years and each time we ask for proof they send our account to a different collection agency.
Product: Bank account or service

In the month of XX/XX/2015, my email address ( XXXX ) was hacked and used to send messages to people associated with my business. At that time, transactions for the purchase and sales of products were made. The hacker forged the identities of our customers and suppliers, creating email addresses similar to those recorded in our email account, which they then used to communicate with our customers, our suppliers, and us. 

The hackers fraudulently and inexplicably opened XXXX ( XXXX ) accounts with WELLS FARGO BANK in XXXX XXXX, California.
Product: Debt collection

I CONTACTED A-1 COLLECTIONS IN XXXX NJ AFTER DISCOVERING A DEBT I OWED THROUGH MY CREDIT REPORT. THE REPRESENTATIVE I SPOKE TO ( XXXX XXXX ) IMMEDIATELY SHOWED AGGRESSIVE BEHAVIOR OVER THE PHONE. I FREELY SUBMITTED ALL THE INFO THAT I HAD BUT HE CONTINUED TO ACT IN THIS MANNER AND FINALLY ACCUSED ME OF NOT COOPERATING TO HANDEL THE MATTER AND PROCEEDED TO HANG UP ON ME. LET ME NOTE THAT I CALLED THEM NOT THE OTHER WAY AROUND. I FIND IT FRUSTRATING THAT I WAS BEING ACCUSED AND TREATED POORLY WHEN I WAS THE ONE TRYING TO CLEAR THE MATTER UP. THIS INDIVIDUAL SHOWED BULLING TACTICS TO EXERCISE HIS POSITION. AND SHOULD NOT BE IN A POSITION THAT DEALS WITH THESE VERY IMPORTANT MATTERS WITH THE PUBLIC. I GAVE HIM MY PERSONAL INFO AND FEAR HE MAY TAKE MEASURES TO MAKE MY LIFE AND FINANCIAL POSITION DIFFICULT IN THE FUTURE.
Product: Debt collection

I told this company the debt is my sister they sent a electronic signature sayin i signed it i want a written signature and pictures of me at this place i never lived in Connecticut only lived in XXXX XXXX   and XXXX no where else im a XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Jefferson Capital Systems, I am writing regarding the above-referenced account. I want to clarify that I am not disputing this account. However, I am requesting additional information to ensure the accuracy of my records. Specifically, I am requesting the following details for this account : Date of Last Payment Date of First Delinquency Date of Charge-Off
Product: Credit reporting

I am trying to remain calm and just be factual, thank you in advance. I disputed XXXX items on my Equifax on previous case XXXX. Equifax has deleted the XXXX. The one I have issue with is the XXXX account XXXX. The attached credit file revision from Equifax , has a note that states " Additional information has been provided from the original source regarding this item '' I need that information. XXXX and Equifax believe my last payment was not made XX/XX/XXXX but in XX/XX/XXXX which just happened to be the exact time we filed bankruptcy, so are we to believe I paid them at the same time I filed BK? 
If they actually received payments XX/XX/XXXX, XX/XX/XXXX I would have received a XXXX for interest they received. I have attached my XXXX from my first mortgage XX/XX/XXXX it 's very small as I only paid them a 2 months and the schedule A itemizing my interest deduction and the signed second page of our XXXX 's. It 's not logical that I would have not paid my first mortgage and for some reason paid the second mortgage, XXXX and then coincidentally not have been issued a XXXX? Would I really file a federal tax return with deducting the interest paid to XXXX, if I had made a payment XX/XX/XXXX, if I had received a XXXX? Why would XXXX not issue a XXXX ... I doubt if they needed too, No payments were made XX/XX/XXXX, so no XXXX was issued. 
If they are reporting my last payment was made in XXXX all I ask is they provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my second complaint in the CFPB regarding Equifax. In my previous complaint I pointed out that Equifax allowed unauthorized inquiries to stay on my credit report. As a consumer I have the right to a credit report that is 100 % accurate. Equifax claimed that the inquiries from XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX  are " factual ''. I personally have no acknowledgement of these inquires whatsoever. This may belong to a person with a similar name but they are NOT MINE. I called each creditor personally and asked them about the inquiries they told me that " the will notate the account and submit a movement to have it deleted off my credit report '' however, Equifax is not reflecting that. The problem I have with this is If I, as the consumer, don't know about this inquiry and the creditor also doesn't know how it got there. How then is Equifax claiming that this is factual? They can not! Therefore these inquiries MUST BE DELETED!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was the victim of identity theft. Fraudsters applied for XXXX and XXXX XXXX credit cards and the XXXX XXXX / XXXX inquiry was placed on my Equifax report. 

I contact XXXX XXXX XXXX XXXX and they declined the application as fraudulent. I additionally filed a report with XXXX and submitted this report to Equifax in an attempt to have the fraudulent inquiry removed. 

Equifax refused to process my dispute stating that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. 

Even with my XXXX report and XXXX XXXX XXXX XXXX being aware, they refuse to take action. I am now appealing to CFPB. I have attached a copy of the Equifax XXXX XXXX, The Identity Theft Report, and my passport.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX that I am ( XXXX XXXX ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.
Product: Student loan

I last paid my student accounts on XX/XX/XXXX for XXXX at aid advantage. 
Then I have no bill for XXXX. My next bill statement is sent on XX/XX/XXXX due XX/XX/XXXX for XXXX and a second email for XXXX. Then on XX/XX/XXXX I get an email the amount due is XXXX for XX/XX/XXXX and on the same day I get another saying XXXX is due. On XX/XX/XXXX I get a notification in the same day that XXXX is due and XXXX. 

With applying for the SAVE plan I am waiting for that to go into affect. I talked with Customer Service XXXX XXXX at Aidadvantage who said I was getting the different amounts due to different loans. If you look in the portal though it says current amount due " XXXX '' which correlates to what I paid in XXXX and should be paying monthly. I can't pay my monthly bill because I get mutiple amounts that don't correlate to the account summary. I also asked XXXX at Aidavantage why I'm not in forbearance as I wait for my SAVE application to go through. Which she told me I did not apply even though I have the confirmation from the goverment.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related laws concerning my credit report. These include willful noncompliance, inaccurate reporting, and unauthorized disclosures. Specifically : Willful Noncompliance ( FCRA 616 ) : Credit information about me was accepted without proper verification of its accuracy, exposing the responsible parties to civil liability. 

Failure to Disclose Opt-Out Rights ( FCRA 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of sharing personal information was not disclosed, which I believe to be deceptive. 

Deceptive Reporting Practices ( FCRA 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without validation, violating both my rights and Generally Accepted Accounting Principles ( GAAP ). 

Unfair Debt Collection Practices : Unverified debts and accounts were reported, causing undue distress and creditor harassment in violation of debt collection laws. 

Improper Disclosure to Third Parties : Debt collectors improperly contacted third-party credit reporting agencies about alleged debts, which violates regulations prohibiting such disclosures. 

Inaccurate Reporting of Late Payments : Late payments were reported without clear definitions or justification, creating a misleading record. 

Incorrect Finance Charge Determinations : Finance charges were inaccurately determined, failing to meet legal standards for credit reporting. 

Unauthorized Use of My Credit Information : Credit report entries were made without my consent, breaching permissible purposes outlined in the FCRA. 

To resolve these issues, I have detailed specific inaccuracies, such as incorrect personal information and improper reporting of debts or late payments. I demand immediate corrective actions, including validation or deletion of inaccurate items, in accordance with federal laws. If these matters are not resolved promptly, I am prepared to pursue legal remedies to protect my rights.
Product: Credit reporting or other personal consumer reports

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is still reporting on my Transunion and XXXX but not my XXXX.
Product: Debt collection

I have received 5 calls today from Synchrony Bank, the credit card comply for Gap. XXXX and 3 calls from the number XXXX called me three times yesterday. They do not leave voicemails, just call again and again. This has got to stop!
Product: Mortgage

On XX/XX/2022, an interest rate was locked with Sun West Mortgage company for a borrower. On XX/XX/XXXX, without prior notice, Sun West unlocked the client 's rate and required that we re-lock the rate. The client had already signed the rate lock agreement. After asking that Sun West re-lock the interest rate based on the signed agreement, we were informed that they refused to re-lock the original rate. They insisted that I re-lock the rate even though they refused to give any prior warning. Sun West has very unprofessional business practices when the borrower or mortgage broker has done nothing wrong. This is an unethical business practice and should be illegal. Sun West has failed to put the consumer 's best interest first with their business practices.
Product: Credit card

It has taken 9 months ( and counting ) to resolve a simple fraudulent charge dispute, which is not an acceptable business practice from my perspective. 

Upon discovering a fraudulent charge on my credit card ending in XXXX on XXXX XXXX, 2015 in the amount of {$350.00}, I submitted a dispute ( case XXXX ) and replaced my card. 

Although I was told that the disputes and security departments would follow up, I did not hear back from Barclaycard and had to call back on XXXX XXXX, 2015, I spoke with a phone agent ( XXXX or XXXX ), who informed me that my account ending in XXXX would be credited within XXXX hours. 

I have neither received a credit, nor have I used my Barclay credit cards until this dispute is fully resolved. 

I am looking for immediate resolution of this issue and disbursement of {$350.00} plus interest accrued during the 9 months of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an IRS notification about a issue with my 2017 tax return. Capital One NA submitted a 1099-C on XX/XX/2017 showing a cancellation of debt for my wife XXXX XXXX SSN XXXX account info XXXX for {$1900.00} I let them know they sent this information to IRS themselves and I need to know what it is so I can respond to IRS appropriately through the attorney I had to hired. 

Supervisors have repeatedly told me they don't know what I am talking about and they can't find any information about my family but they won't give me any type of letter saying its a mistake or any correspondence so I can get this cleared up I need a letter from them stating its a mistake or they need to reverse whatever they sent to IRS in 2017 Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion XXXX XXXX, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. 

XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX A Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX