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

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of XXXX to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to XXXX of XXXX  of XXXX. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed.
Product: Consumer Loan

I initiated the pay off of my auto loan on XX/XX/2016 via their website. On XX/XX/2016 the loan was officially closed. On XX/XX/2016 Chase pulled another loan payment from my checking account, via automatic payment, even though the loan was closed. It 's now XX/XX/2016 and I do n't have that payment returned to my checking account.
Product: Debt collection

Placed this account on my credit report. This is a direct result of identity theft
Product: Checking or savings account

Below is my original complaint regarding Bank of America : Bank of America is engaging in unfair business practices as follows : 1. Without any notice, they started charging me a monthly maintenance fee on both my checking and savings accounts.

2. They are not investigating disputes. I disputed several XXXX charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from XXXX  does not validate the charges. 
3. These charges have caused my account to become overdrawn and then the Bank charges me overdraft fees. 

In addition, they have reversed two XXXX charges without investigating my dispute. These reversals caused my account to become overdrawn and they charged me overdraft fees. Also, they did not refund the monthly maintenance fee for my savings account. Without notice, they started charging a maintenance fee on my savings. They have also closed my savings account due to the negative balance caused by the fees and have said I will be reported to a consumer agency for the closure of the account for having a negative balance.
Product: Credit reporting

I have attempted to dispute a public record with Equifax but the dispute keeps getting turned around in 2 days without resolution. I had explained that I am working out payment arrangements with the Original creditor ( XXXX XXXX ) and that I had not been served papers for this to classify it as Public Record. They had marked the judgement as Satisfied instead of removing the item that I have no record of. Reference Number XXXX
Product: Credit card or prepaid card

I have  XXXX   American Express Cards ,  XXXX  is a Business and  XXXX  is Personal.   The business card has a credit balance of  XXXX  and I wanted it transferred to  the Personal Card. T he Customer service says it tak es 7 to 10 b usiness days. ( to transfer a balance are u kidding me ) I started the process on  XXXX   XXXX  via a Chat line from the company website. Around the  XXXX  of  XXXX  I called to find out what the problem is because it was not transferred.   They gave me a line that the Chat people did not do it. So on the  XXXX  they said it would take another  XXXX  to 10 business days to make a transfer. Stupid as it is ....   So now is the  XXXX  and still nothing has been done.     How difficult is it to transfer a balance between  XXXX  accounts at the same company?   Why should it even take 1 day vs  7 to  10 days to do a simple transaction. Their answer .. . .. Pr ocedure ....   Makes no logical sense.     The  XXXX  credit cards are Personal  XXXX  Business  XXXX
Product: Student loan

I filed a XXXX XXXX XXXX for XXXX University after the lender failed to provide me the application. I had to find out about the " secret '' form on XXXX. I filed a complaint on this website regarding the fact that these forms were not set to me. They finally send me the form as a result of the complaint. I send in my XXXX XXXX XXXX and was denied by AES. They said that the lender denied my application. When I asked for proof as to why the bank lender denied my application they told me its confidential. When I asked for the reason of denial to be sent to me on bank lender letter head telling them why I was rejected or if I was they refused. I called the bank that was the lender and they told me to call AES to get it. 

This is very sketchy and purely retaliation that I reported AES to CFPB in the first place. They refused to provide me with a letter from the bank that holds the loan as to why the loan can not be cancelled despite providing over XXXX pages of proof. XXXX! They told me I had to pay the loan, it was only dischargeable upon death.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 card or prepaid card

On XX/XX/20 I contacted Capital One to inquire why my credit application was denied. I was informed by the representative at XXXX that I needed to remove the fraud alert from my credit to be approved. I explained that I am to be called and my identity is to be verified ; I also offered to verify my identity at that time. She again asserted that I need to remove the fraud alert.
Product: Credit card

I have a XXXX  XXXX XXXX XXXX credit card that was compromised on XX/XX/XXXX. Someone used the card information to make a fraudulent purchase via PayPal, spending {$360.00} on an unknown item from XXXX XXXX. According to the XXXX  XXXX XXXXXXXX XXXX policy, I must personally visit XXXX of their branches in XXXX  XXXX to report and resolve issues related to credit card fraud. However, I am currently unable to leave the United States due to ongoing immigration processing. 

As a result, I reached out to PayPal to request assistance in recovering the stolen funds. Unfortunately, their customer support has been unhelpful, responding with repetitive automated messages or directing me to log in to the PayPal account used for the fraudulent transaction to file a dispute. The issue is that I do not have access to the PayPal account information used by the fraudster, making it impossible for me to take this step. I am hoping someone can help me escalate this issue with PayPal and seek a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. 3 ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, XXXX, XXXX and TRANSUNION VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector XXXX not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Circuit # XXXX All 3 Accounts was paid before being placed as judgements as well as the new law passed in XX/XX/2017, judgements should not be placed on the credit report if all the personal information is not reported. This is a violation, accounts was removed Fair Collection and Out # XXXX  Creditor has not provided any proof or contracts bearing my signature but after 2 disputes, the credit bureaus are still reporting inaccurate information. This account was removed from XXXX.

NCB Management # XXXX   Account was recently added, with terms but I have never had a contract to have terms or a payment status reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. Now I have multiple accounts on my credit report that keep my score down I have reached out multiple times to have the issue resolved and the 3 credit bureaus have a hard time correcting/ fixing this issue. This is unethical as I have filed a police report and followed all protocols to try to resolve the issue. However, the credit bureaus choose not to clear this matter up. 

Listed below are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I took out a loan with Tower Loans of XXXX la 17 months ago. I was told at the time, that I could repay the amount within 30 days for a {$200.00} - {$300.00} principal charged. I borrowed {$1200.00}. The manager at this establishment insured that I could repay within 30 days and it would not be added to my other personal loan balance. She sat with me and my husband with quick sign here comments. Less than a week later I went in to pay it off and I was told my payoff was {$3300.00}. When I asked about what I had originally been told, I was told that had been a false statement and how much will you be paying today. Feeling ashamed of myself for being fooled I have went in every month for the past 17 months and paid {$230.00} each time. Making my total paid in this time period {$3900.00}. I called for payoff this week and my balance is still {$2000.00}. Hearing this infuriates me. I have paid more than double the amount I was promised I could originally pay off. I spoke with XXXX the district supervisor and was made to feel like I 'm just trying to get out of paying my bill. I asked him some questions that he refused to answer. Like the APR and his cap % as well as how the principal is charged. He then took it upon himself to hang up on me. I feel this company SHOULD be looked into for unfair practices. I have basically paid almost {$4000.00} in PRINCIPAL. This should be illegal. Not to mention the tactics used to get me to sign a contract agreeing to this. I forgot to mention the harassing phone calls and overall BAD ATTITUDES of All their employees including the District Supervisor. The District Supervisor also told me, you 've been paying it for over a year, why is it an issue now. Well because I honestly believe I 'm being treated unfair and I honestly believe TOWER LOAN is breaking the law.
Product: Credit reporting or other personal consumer reports

There are several accounts on my TransUnion credit report that are showing as currently delinquent when they are not. All accounts have a {$0.00} balance. 

I recently applied for an XXXX loan, and they provided me with a file that included all the accounts that were currently showing as delinquent on my credit report. I included the screenshot as a attachment. There were several items showing currently past due. 

These " delinquent '' accounts contributed to me being denied the loan. Also, my TransUnion credit score is approximately XXXX points lower than XXXX and XXXX. I believe this is because of how these accounts are showing as currently delinquent. All these accounts were either paid in full or paid through a settlement with the debtor. The accounts are all listed in the " Accounts with a Negative Pay Status '' section and are as follows : XXXX XXXXXXXX XXXX ( x XXXX ), XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX. 

I worked with a lawyer to pay negotiate the pay offs for these accounts after being tricked by a consumer debt relief program into thinking that they would help me with a solid plan to pay off my debt. After I determined that was a failure, I engaged with the lawyer and paid off every account that was delinquent. I've done all I can to repair my credit and have currently no delinquent or outstanding accounts and would like my credit score to reflect this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX birthday XXXX XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan opened at XXXX XXXXXXXX XXXX account at XXXX XXXX XXXX, credit card at XXXX XXXXXXXX and an account at XXXX XXXX Hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, current, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. These acounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .I 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX on XX/XX/2022 that they were furnishing inaccurate information on my consumer report. I also filed a formal complaint with the CFPB. XXXX responded stated that they would investigate the matter and get back to me in 60 days. I disagree with their investigation process because the FCRA states consumer agencies have 30 days to complete an investigation. So why is XXXX responding asking for 60 days. The extension for Covid 19 has ended.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit card or prepaid card

On approximately XX/XX/XXXX of XXXX, I paid {$200.00} dollars on my account and soon after I tried to make a charge on my card and it was not approved. I didn't think much of it at the time and on about XX/XX/XXXX, I recieved an email stating that i should log into my accout to read a notice that was there. I recieved 2 letters one stating that my account was restricted due to over draft or severely delinquent. This was false and inaccurate. I called on XX/XX/XXXX, and talked to a few representatives at the company and to their knowledge this was also inaccurate and false. No one could explain the issue and why my account was closed abruptly without explanation. I decided to take a look at my credit report with XXXX XXXX  to realize that it was reported to the credit agencies without my permission. Pursuant to 15 USC 1611, releasing false and inaccurate information is a violation and holds a penalty up to 5 years imprisonment and or {$5000.00} fine. Pursuant to 12 CFR Part 1026.11, account termination. Creditor must refund all amount of credit to consumer in form of check, money order, etc. Or credit account within 7 days. These are just a few of my rights as a consumer that were violated. Pertaining to the Truth In Lending Act, HJR 192, FTA, Consumer Rights, etc, these violations hold penalties.just trynna exercise and protect my rights. I have all documents pertaining to this matter.