23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. CXXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Payday loan, title loan, or personal loan

On XX/XX/23 I was told to " apply '' for a loan to purchase my scooter from American First Finance. I was approved for said " loan ''. When the scooter was delivered to my home, I was asked to sign using a tinted XXXX  device that had a colored screen protector. I was asked, sign here, sign there etc. Then I received an email from the financing company, that what I had just signed for was a " Rent to Own '' option. Charging three times more than the cost of the scooter. The fees were never discussed or emailed to me. I called the finance company and was told, I can pay it off in 101 days with said fees attached! This is not a " loan '' or a finance of any means. I was scammed into using this company and now have huge fees and penalties to get out of it. American First Finance never communicated any of this information to me prior.
Product: Payday loan, title loan, or personal loan

XXXX XXXX - Inadvertently made a payment to loc by ACH. The wording is easily misunderstood payment page. Everything online and in email states that the full line of credit is available immediately. However, when you try to readvance it tells you you have to wait for the payment to clear ( 10-14 business days when you speak to customer service ). Discussed this with the supervisor at that time who gave me a one time courtesy advance on the same day. 

XX/XX/XXXX - Did it again. They can see the payment but can not change it. There's no alternative once you hit submit. There isn't even an overview page to confirm what you want to do. And once again, I am told that my full line of credit is available immediately but can not access it. 

The website needs to be fixed. Payment needs to be confirmed before processing or consumer should have the ability to make adjustments to payment information/cancel the payment within minutes of hitting submit. The wording on payment confirmation needs to be updated to reflect what is actually available vs. showing the full amount if it is infact NOT available. 

Hi, Thank you for payment of {$2600.00} on XX/XX/XXXX towards your XXXX Loan. Your payment details are listed below. 
Loan Agreement # : Payment Amount Received On : XX/XX/XXXX Next Payment Date : XX/XX/XXXX You have {$3200.00} available on your XXXX  Loan account. You may withdraw from your line of credit at any time and on any day by visiting our website XXXX or any of our 24/7 Advance Financial stores. 
Thank you once again for choosing Advance Financial and for your continued business. 
Kind Regards, Your Friends at Advance Financial
Product: Checking or savings account

Chime close my account XX/XX/year>, and Ive been trying to get the money out of my account ever cents. theres {$1300.00} thats in my account and its gone I havent received it I cant log on and they just keep telling me to look for emails and be patient. They sent me the emails but the emails dont talk about the money that they owe me.
Product: Mortgage

US Bank Home Mortgage falsely claimed the payment on 2018 property taxes and increased my monthly mortgage payment from {$1300.00} to {$4300.00}. 
The research form by XXXX County Tax office shows that US Bank Home Mortgage did not pay for the above property taxes. 
This error needs to be corrected and my monthly mortgage payment must be recalculated accordingly.
Product: Debt collection

I want Nathan & Nathan Law firm ( claim to represent XXXX ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. 
Nathan & Nathan Debt Buyer/Collection Agency/Law Firm ( not the original owner ( XXXX sold the debt to Nathan & Nathan ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the XXXX XXXX charges due to my illness, vehicle injuries, and unforeseen financial difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX-XXXX  updates XXXX. 

It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my potential to obtain mortgage.
Product: Credit reporting or other personal consumer reports

I got a credit alert and upon checking my reports I saw an account that I do not owe and have no knowledge. The amount is {$89.00} on XX/XX/2024 form XXXX XXXX for XXXX. I am in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, XXXX and Equifax l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX XXXX XXXX  15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX / XXXX Account Number : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, XXXX XXXX XXXX
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.

EXPERIAN 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 reporting, credit repair services, or other personal consumer reports

There are some inquiries on my Transunion credit report that I do not recognize and I believe they are due to identity theft because I did not make them or authorize them. 
Here is the following that is on my credit report that I did not make : XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XXXXXXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion
Product: Student loan

Continuation of complaint # XXXX-XXXX  ( this is the third time we have reached out regarding Firstmark ) A payment was made XX/XX/XXXX of {$930.00}, a portion of this amount is to be applied to ALL eight loans. I feel Firstmark is applying funds to only six loans. Again received a call from a very sweet lady requesting payment on our accounts. The loans are up to date according to Firstmark website. Next payment due XX/XX/XXXX. The very nice lady did state this will effect our credit rating and fees will be applied. Please fix this. This is verging on harassment. Also a 12 moment call of wasted time for Firstmark employee and me. Firstmark please investigate this continuing complaint and issues. How can we get Firstmark to respond to our many requests for help? The time and effort put into the Firstmark collecting an already paid amount would be much better served assisting the customers who request help. Customer Service is non existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XX/XX/2022 I went into Ulta they let me know I was pre-approved for a credit card. I accepted and paid for my items that day in cash. I never received the credit card in the mail, so I assumed it did not go through. Three months later in XXXX I was called about being late on my credit card statement for Ulta. After I assured them I never received a card, so I had not used it I asked to file a claim of fraud. They were not cooperative and their calls kept coincidently dropping when I was close to a resolution. I finally got to someone who said they would file a claim for me, and that my account was under investigation. The company kept harassing me with robocalls and rude debt collectors even though I told them my account was in review. They were also charging me interest and late fees on a card I never received let alone used, which has been negatively affecting my credit score. 

I have never received an Ulta card, which I also reported to them and I never made a purchase. They told me to get my receipt from the store but by the time I tried to get the receipt, the store manager it had been too long and they no longer had my receipt in the system. But the fact remains that I never received nor activated an Ulta card, therefore the purchase amount, interest, and late fees are not mine to incur.
Product: Debt collection

I have a collection on my credit reports from a Commonwealth Finance, dated XXXX of XXXX. I have not received any information of any form, bill or letter, from this company. I have called the numbers listed for the company and get a continuous busy signal each time. I have disputed this account through the credit bureaus on XX/XX/2021, because I have not been contacted by this company or have knowledge of this company/account. XXXX removed said account. XXXX XXXX XXXX are showing the account is valid as of XX/XX/2021. I have yet to receive any form of contact from this Commonwealth Financial. I have looked this company up and it was mentioned they deal with medical bills. I have not been to a medical provider in 2 years, and I have lived in Texas for 5 years, so an account dated XX/XX/2021 doesn't make sense. How old is this account? Why have I not been contacted by this company?
Product: Checking or savings account

In XXXX, I requested USAA to add my wife, XXXX to my checking account. What followed was a series of 5 denials by XXXX XXXX. The first denial was the only legitimate one, XXXX had forgotten to date her ammended signature card.That was corrected, and sent back electronically, USAA confirmed receipt on XXXX XXXX XXXX, however requested the same form 2 more times, which I corrected, and sent electronically, and USAA received XXXX he then sent a letter denying the request, claiming he " didnt know what the request was for '' .At this point, I realised that XXXX XXXX wasnt simply incompetent XXXX but was retaliating for the XXXX complaint I filed against USAA. The next denial was because they claimed they didnt have my ammended signature card on file, so they sent me one, and I filled it out, and sent it back. Having run out of excuses, XXXX XXXX, again denied my request, claiming he was missing one of XXXX 's pages that he received back in XXXX. I believe that page can be found in the bottom of XXXX XXXX 's paper shredder, if it hasnt been emptied yet. XXXX XXXX is USAA 's " VP of Operations '', and it is scary to observe the ease with which he lies, he is a man with no moral compass, and has created a problem where there was none. XXXX XXXX has expended some effort in preventing a veteran from adding his wife to his checking account, it seems like that is the opposite of what a " VP of Operations '' should be doing. Not a good look for USAA, especially since my wife, XXXX is XXXX, some people might think XXXX XXXX is a XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal and final demand to immediately delete the inaccurate and unverifiable account referenced above from my credit report. Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681s-2 ( Fair Credit Reporting Act ), I have the right to dispute any erroneous information on my credit report and demand immediate correction if the information can not be fully verified.

You are hereby notified that you have 30 days from the receipt of this letter to : Provide full legal validation of the debt, including all original signed agreements. 
Remove this account from all three major credit reporting agencies ( XXXX, Equifax, and XXXX ), as the continued reporting of this inaccurate information constitutes a violation of federal law. 

Failure to comply within 30 days will leave me no option but to take immediate legal action against your agency for violations of both the FDCPA and FCRA. This includes pursuing legal action to seek statutory damages, actual damages, and recovery of all legal fees. Additionally, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure your agency is held accountable for these violations. 

This is your final notice to resolve this matter promptly. Please confirm that the account has been deleted from my credit report and that you have ceased all communication with me regarding this matter, as per my rights under 15 U.S.C. 1692c ( c ). 

I trust you will handle this situation professionally and in compliance with the law. I look forward to receiving confirmation of the removal within 4 days. 

Sincerely, XXXX XXXX
Product: Credit card

I am writing to file a formal complaint against Citibank regarding their failure to honor a debt settlement agreement reached on XX/XX/year>. The details of the agreement, subsequent refusal to accept payment, and lack of transparency regarding the status of limitations are outlined below. 

On XX/XX/year>, I contacted Citibank to address a past due account with a balance of {$7300.00}. During this conversation, a Citibank representative informed me that they were willing to settle the balance for {$2500.00}. They explicitly stated that this offer was valid until the end of the month, implying that I had until XX/XX/year>, to accept the offer and make payment arrangements. 

With the understanding that I had until the end of XXXX to finalize the agreement, I called Citibank on XX/XX/year>, to arrange payment. However, to my surprise, I was informed that on XX/XX/year>, the account had " reached a status of limitations, '' and Citibank was no longer collecting the debt. Despite my attempts to clarify this sudden change in status and request an explanation in writing, Citibank has refused to provide any documentation or further details regarding the " status of limitations. '' This abrupt refusal to accept payment and lack of transparency are unacceptable. Citibank 's actions constitute a breach of our agreement and have left me in a state of financial uncertainty. I expect Citibank to either honor the original settlement offer or remove the debt from my credit reports promptly. By preventing me from clearing the balance, Citibank is unfairly impacting my creditworthiness and financial well-being. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Citibank fulfills its obligations. I also request that Citibank provide a written explanation of the " status of limitations '' and its implications for my account.
Product: Credit card

On XXXX XXXX I was traveling with XXXX XXXX on a ZED standby ticket. I attempted to access the XXXX XXXX XXXX XXXX mins before my flight. The XXXX agent working the XXXX XXXX check-in did not know the policy about Citi XXXX standby tickets and went above and beyond her duties to call the Citi XXXX customer service number on the back of my card to speak with Citi to determine if I should have access. The Citi representative gave false information to the XXXX agent about the eligibility of standby tickets and XXXX refused to grant me access to the club. Clearly in the terms and conditions of the Citi XXXX card it says " XXXX cardmembers must present a stand-by ticket or boarding pass, showing an XXXX, XXXX XXXX XXXX , XXXX, or an XXXX Connection carrier flight number, valid for travel on such flight. ''
Product: Debt collection

Collections agency on behalf of the original company continued to make harassing calls regarding a debt after being informed that the debt was discharged with Chapter XXXX Bankruptcy. Representative threatened to take additional legal action and notated the account as refusal to pay.
Product: Mortgage

BBVA is falsely reporting TWO late payments on my account to XXXX Credit Bureau. There was only ONE late payment in question and already has been disputed numerous times secondary to failure of communication, false assurance and delays in providing a demand letter from BBVA as explained in my previous complaint. But to find out that they are actually reporting TWO past 30 day payments is infuriating.
Product: Money transfer, virtual currency, or money service

I received a cashiers check in the amount of XXXX It came special delivery through the mail. The date on the check is XXXX XXXX. It did n't have any documents attached. I enter a lot of online sweepstakes and contests so I thought it was in connection with that. I took the cashiers check to my bank and told them I was n't sure of where it came from. However it had the correct spelling of my name and the correct address. The tellers checked out the water marks and said it looked good to them. I told them I wanted to deposit the check and told them I did n't want any of it until it cleared. It cleared the next day but I waited a week making sure the check had cleared. I was told again it had cleared so I took out the full amount. I gave some of it to a needy friend and some to my Son for clothes. Paid off some bills etc. Well a day or two passed and all of a sudden the check is not good. I have my checks direct deposited to the account. I use the money to pay the rent. The bank put me at fault taking every penny out of my account for 2 months leaving me with nothing. I feel first of all that the bank is at fault and should not be allowed to just take my money. I was told more then once and waited long enough that the error is the banks. In order for my Son and I not to become homeless I had to sell my car. I have been a wreck over this. They took everything from me. So now I 'm out my money and my car, Cashiers checks are paid for when issued. How can it be good for a week and just go bad? How am I responsible for the banks mistake? This is totally wrong in every way. Please help me on this issue. 
Thank you very much
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX has violated my rights. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.