23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2022 Purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2022 Attempted to set up and use the device. The message Sim card not detected was displayed and the device was unusable. When I contacted tech support I was told that this was a KNOWN ISSUE and that there was no fix for it yet, although they had been working on one. I had been knowingly sold a non-working device! I was offered more expensive hot spots for purchase. 
I immediately returned the device, and the return was received XX/XX/2022. 


I expected all charges to be cancelled, as per the Cancellation and Return policy in the agreement I signed with XXXX XXXX quoted below : Cancellation and Return Policy. You may cancel your Rate Plan by going back to the original point of purchase and returning all devices you acquired with your activation within 20 days from your activation date ( Cancellation Period ). 

I cancelled in 2 days. 

Received a bill/dunning notice from XXXX dated XX/XX/2022 for {$130.00} XX/XX/2022 Contacted XXXX  and spoke to XXXX or XXXX. Told that someone would call us on XX/XX/XXXX and that this charge would be taken care of. 

XX/XX/2022 Spoke to XXXX or XXXX and was told that a final statement on XX/XX/2022 should show no charges XX/XX/2022 Collection Agency Bill for {$78.00}. PAY OR LOSE MY GOOD CREDIT!!! 

XX/XX/2022 Spoke to XXXX at XXXX who was unable to help. Could not access my account, could not contact credit agency by telephone. 

XXXX attempted to contact the credit agency several times during their stated business hours and found them closed. 

XX/XX/2022 To protect my credit, I am paying this bill under protest, and at the same time I am filing a complaint with the US CFPB. 
Thank you,
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports after you verified the account XXXX XXXX XXXX XXXX XXXX as accurate and noticed you are still reporting inaccurate information. The " date of last payment '' is reporting as XX/XX/XXXX for Equifax, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. This date would change the statue of limitations for this account which would mean the account would come off at different times. Since information is not accurate, this means the account has not been properly verified. Please delete this account immediately
Product: Credit card or prepaid card

I have recently been temporarily laid off due to coronavirus. Im a XXXX  XXXX at a XXXX school and we have been forced to close due to this pandemic so my paychecks have stopped. As soon as I found out, I began contacting my bill companies. Every other company has worked with me by deferring my next payment to help me financially and help me not get into a serious financial situation or have my credit score ruined. CitiGroup has been the only company I have received NO assistance even with several calls to the customer service for both my CitiGroup credit cards. Im simply just asking for payment deferral until I can get my paychecks started back, after returning to work. Ive spoken to the customer service department and the hardship department at Citi. My first call was on XX/XX/XXXX, I then called again and for a 3rd time on XX/XX/XXXX and every time I was told they are aware of the coronavirus pandemic and financial hardship, but no plan is in place and bills are expected to be paid in full, on time. When I called back for the 4th time on XX/XX/XXXX I was transferred to the hardship department to see if anything could be done and was told again, no plan was in place. On the XXXX the person put notes on my accounts stating I am experiencing financial hardship and will be unable to make my payment, which is due XX/XX/XXXX, in full or on time. I called again, today, XX/XX/XXXX to inquire about a plan because my bill is due tomorrow. I was met with a very unprofessional rep named XXXX and she said there was simply nothing she could do about it. I asked for her supervisor and she gave me to someone named XXXX. She mimicked what XXXX said and said she was going to connect me with the hardship department to see if anything could be done. I was put on hold and then XXXX picks up the phone a few more times saying shes still waiting for the hardship department. She then picks up for the 4th time and literally says to me that the hardship department is experiencing high call volumes and she will need me to call back another day because she has to help other customers. That statement was extremely unprofessional. When I asked if I called back and they were busy again, she would they wait long enough to help me, as a customer, she just responded with hopefully they wont be as busy. Ultimately, no help as of tonight XX/XX/2020. My payments ( 2 cards ) is due tomorrow, I have been out of work due to coronavirus and CitiGroup is the ONLY company who has not assisted me with payment deferral. Please help me! Ive tried so much to reach out to Citi and theyve been unprofessional and had no sympathy on something that is financially devastating the whole world, COVID-19. I dont want my credit to be ruined due to this event that is out of my hands! I have a 100 % perfect payment history with not even ONE late payment. Ive taken pride in paying my bills on time and with Citi not working with me Im afraid Im spiraling towards bankruptcy! Help!
Product: Debt collection

I received my first collection notice by mail from IQ Data International on XX/XX/year>, this notice stated that I owed XXXX XXXX a balance of {$980.00}. The notice also mentioned that I had the right to dispute the charge by responding to the notice by XX/XX/year>. The next day, XX/XX/year>, I mailed my dispute to IQ Data International to ensure that the company received my notice before the set deadline. One week later, on XX/XX/year>, I received a notice from XXXX that IQ Data International INC. had posted the balance in collections on my credit report. I contacted IQ Data on XX/XX/year> to discuss the account and explain that I mailed in my dispute and that I had until XX/XX/year> as stated on the notice. The representative stated that the only way to remove the collection account from my credit would be to pay off the entire balance immediately. IQ Data International has improperly reported a debt to a credit reporting company without meeting the obligations under the Fair Debt Collection Practices Act. The company never responded to my dispute and within a week of receiving the first notice, IQ Data wrongfully posted the balance on my credit without allowing me to discuss the matter with a representative or even set up payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account late status is incorrect. The account initially listed 60 days late & Closed XXXX XXXX prior to my XX/XX/XXXX dispute. After the dispute it now reports 90 days late. 
This is being reported incorrectly. The status should be only 30 days late. 


XXXX XXXX not reporting status and paid and closed. Home sold XX/XX/XXXX. 
I would like to be contacted at XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

LaPorsha Tatum 902 S. Walnut # D15 Hermitage, AR 71647 Dob : 3.14.88 Sos : xxx.xx.2494 Date : January 5, 2025XX/XX/XXXX To : Attn Supervisor Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Accounts and Inquiries FTC Complaint : XXXX Dear Sir or Madam, I, XXXX XXXX , hereby state that the information provided in this letter is accurate to the best of my knowledge. Several accounts and inquiries are being reported on my credit report that I have no knowledge of and believe to be fraudulent.

As a result, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) under the reference numbers provided above. I kindly request that you review the following details and take the appropriate action to remove these accounts and inquiries from my credit report.

-- - Accounts to Be Removed : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX  Account Number : # XXXX Date Opened : XX/XX/XXXX These accounts and items were not authorized by me and are fraudulent. I have no knowledge of their existence or activity.

I have attached and uploaded the following documentation to support my dispute : Copy of my government-issued ID Copy of my Social Security card FTC complaint Notarized Affidavit Personal statement letter
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. CXXXX  XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit card or prepaid card

woke up this morning and checked my bank account and I was not able to access it using my regular practice and routine. It asked me to log into the account and provide my password and additional verification of my identity. I thought this was odd but I know that Ive had issues with this account in the past and because I have a new cell phone there may have been some issues in the transfer. I have not had those issues in the past and Im concerned that the bank owner and application manager, XXXX XXXX  and XXXX XXXX  are fraudulently closing accounts that have been active for years before XXXX, which you can find out if you, XXXX search XXXX XXXX changes to accounts creating havoc on consumers, it appears as if XXXX XXXX and XXXX XXXX  are randomly closing accounts of consumers who establish their account before XXXX. They also changed their terms and conditions on XX/XX/XXXX, which I was not aware of except by doing the XXXX search today. I have been informed that my account has been closed due to violations of the terms and conditions, and that I would not be able to use any of the features on my account, would need to close and have all my funds sent elsewhere. I would also have all of my direct deposits, including my payroll taxes, and any other financial receiving reoccurring deposits, will be returned to the originator. All of these issues will cause a extreme financial hardship and cash app was not able to resolve or tell me what specific violation of terms I committed, I doubt that there are any violations, and that this is merely a way to dissolve my account and create a financial burden for me and my family. When I established my cash app account, I did it with a great amount of trust and consideration, but now I am being accused of a violation with no additional clarity, or reason. Ive reached out to cash app customer service, which is connected to XXXX XXXX  and have received less than supportive response. They are both dismissive and lack any clear communication about the reason behind this change. It feels like a major scam and the cost to me is going to be substantial. I have already reached out to my payroll department but I am not sure that they will be able to stop the direct deposit that is scheduled for XXXX XXXX XXXX XXXX XXXX I am very upset, and I feel compelled to share this extreme violation of trust with a Bank.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card

Synchrony Bank who owns my Amazon Prime Card account has been reducing my credit limit arbitrarily causing my credit score to go down and recently caused a reporting to my credit report that I was over the limit after they applied the high interest to my account. This is not the first time this has happened to me with the credit card. A purchase with Amazon was declined because Synchrony Bank reduced my credit limit from {$1700.00} to {$1000.00} that was my current balance at the time. I pay my bill on-time and it has been setup on autopay. I have no record of late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. XXXX XXXX XXXX Auto Finance XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX/XXXX/XXXX, XXXX XXXX XXXX via XXXX CR XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX. ) Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ).
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I contacted the company I.C System via certified mail to verify a debt that is showing on my credit report since XX/XX/2017. It has been 30 days and I have not received any information verifying this is debt is mine. It has however been deleted from 1 of 3 reports due to my dispute with credit bureau.
Product: Debt collection

Enhanced Recovery Company LLC d/b/a ERC is trying to collect on a debt that was fully paid on XX/XX/XXXX. 

In XXXX I had an account wth XXXX XXXX  ; The account was closed and paid in full on XX/XX/XXXX. I returned the modem and cables to the XXXX store located on XXXX XXXX XXXX XXXX, FL. the account rep accepted the equipment and said everything was closed and paid in full. 

On XX/XX/XXXX I learned that Enhanced Recovery Company LLC d/b/a ERC placed a collection for {$100.00} in my credit report. In the credit report states the original creditor is charter communications. When I called charter customer service they said XXXX was sold to charter communications and that some of the data transfers from old clients may not have transfered correctly and she said the office on on XXXX XXXX XXXX XXXX, fl had closed down and she she could not help me. 

After attempting to get this corrected with ERC and XXXX XXXX, they are not responding so I am filing this complaint to demand that all collection activities stop immediately and all collection accounts removed from my credit report since the account was paid in full in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these inaccurate items way over 35 days ago and you havent notated them as disputed. You caused me to lose out on many offers due to reporting this inaccurate item and not notating it was disputed. I have attached proof that I have given you chances to correct your inaccuracies report number XXXX, XXXX, XXXX, XXXX
Product: Debt collection

It was a account with XXXX XXXX. The account was transfer to Security Credit Service LLC. I was given XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX between XXXX which they stated that they was the owners of the account. They never stated that Security Credit Service purchased this account from XXXX. The manager at XXXX XXXX stated nothing would be reported unless it waspaidin XX/XX/XXXX. I paid account on XX/XX/XXXX on XXXX XXXX. The collections from dated on XX/XX/XXXX from security credit was sent on that day. I would like negative on credit to be deleted per XXXX XXXX agreement. Today XX/XX/XXXX received saying nothing will be removed. 


XXXXAssignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. 

If the notice was on XXXX paid on XX/XX/XXXX. They shouldn't be reporting debt. XXXX they had XXXX XXXX collecting without knowledge.
Product: Debt collection

RE : CFPB Case number : XXXX On XXXX/XXXX/XXXX, a representative from TSC A/R Solutions received an itemized statement to verify the balance due. ( see attached ). Identified as ( XXXX XXXX XXXX ), the itemized invoice and statement clearly and unequivocally states that the balance due from the patient is {$0.00}. 

The debt collection agency claims it is authorized to accept a settlement of 80 % of the balance due ( i.e. {$0.00} ) and if the consumer pays this amount ( i.e. {$0.00} ), TSC A/R Solutions will delete this account from their credit record. 

This is a deceptive and illegal attempt under the " pay for delete '' method, considering that 80 % of the balance due from patient ( i.e. {$0.00} ) is {$0.00}. This has possible grounds for legal action against the debt collection agency for which I may seek legal advice on the matter. 

Furthermore, it is important to note that since XXXX credit reporting agencies ( i.e. XXXX ) have investigated this trade line and have deleted this inaccurate information from my credit report.
Product: Credit card or prepaid card

XX/XX/2020 i applied for a credit card and they denied me when i have XXXX credit score and excellent and i called them to ask why and they would not tell me when i called the management why they denied me, i am not happy with this company for not telling me why they wouldnt i got no where wheni have a credit card with their company for over 6 years now and dont use it anymore cause it has high interest so i saw this supior credit card that had zero intested for 15 mths on purchases and trasnfers so i applied and they give me {$150.00} for spending {$500.00} in 3 mths but they denied me. i wanted to fix this as theydid the same thin when i appled for their first card and i called in to fix resolve the issue, and i wanted to do the same thing this time and they wouldnt talk to me.
Product: Debt collection

Misrepresentation, fraud and false statements. Once again, Select Portfolio Servicing, Inc. ( SPS XXXX has criminally misrepresented the facts of this erroneous alleged account. Specifically, on XX/XX/XXXX, SPS sent the Estate of XXXX XXXX XXXX and Estate of XXXX XXXX XXXX a notice entitled " Delinquent Tax Advance Notification. '' First, there is no estate for XXXX XXXX XXXX. She pre-deceased my father on XX/XX/XXXX. My father passed away on XX/XX/XXXX. I am the executor of his estate. No claims on behalf of SPS or affiliates have been filed against the estate. I have communicated this to SPS on numerous occasions. Secondly, SPS continues to send correspondence to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. This address is incorrect. It should be Estate of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I have made notification to SPS as evidence by them responding using the correct address for CFPB complaints. Thirdly, SPS has committed and continues to commit fraud by falsely stating they had advanced funds in the amount of {$5500.00} for delinquent taxes. This is false because the family of XXXX XXXX XXXX paid taxes in the amount of {$2500.00} for fiscal year ending XXXX. Taxes for fiscal year XXXX in the amount of {$2500.00} remain unpaid as of XX/XX/XXXX. On a fictitious statement dated XX/XX/XXXX, SPS misrepresents and fraudulently lists {$4800.00} as Tax Advances. On a statement dated XX/XX/XXXX, they misrepresent advanced taxes in the amount of {$10000.00}. All without any explanation or description complete with receipts of such paid taxes. Complete fraud. Additionally, there is no escrow account associated with this account. SPS canceled the escrow after my numerous complaints about them trying to erroneously pay taxes which is NOT subject to any mortgage or promissory note. This also has been communicated to SPS in which they state they are looking into it, yet have never actually responded to any complaint with specifics in five years of communication. Where are the receipts from the tax collector? How come the amounts are different in the letter vs the monthly statements. Why are the taxes reflected as not being fully paid? In all actually, they advanced {$0.00} and misrepresented they did in writing via false correspondence and fraudulent statements. Additionally, in several statements SPS continues to list transactions for XXXX  ATTY Fees {$1100.00}, Property Inspections {$18.00}, although they have been in frequent contact with me, are fully aware of my position, and know the property is not listed as a security interest for any mortgage or promissory note. This is in addition to property preservation fees in the amount of {$300.00}, for which they have done absolutely nothing with regards to preserving the property, nor should they as they have no legal right, although they are charging for it. Complete fraud. I would like a complete detailed transaction history of everything SPS has charged to this account, since XXXX XXXX, as well as copies of any receipts from the tax collectors office for paid taxes in addition to every property inspection report completed on behalf of SPS and/or affiliates.