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

On XX/XX/, I check my credit report and noticed it was inaccurate for XXXX XXXX XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also sent in mail dispute to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account with 30 days.
Product: Credit reporting or other personal consumer reports

There are discrepancies in my credit report, with late payments that don't align with my history. Please make the necessary corrections.
Product: Student loan

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. Mohela U.S. Department of educationXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

We have an account with the Comenity Card Company. 

There is only one transaction every month that is a recurring {$9.00} for XXXX XXXX. 

The statement date is the XXXX of every month and is due on the XXXX. The payment of {$9.00} goes out on the XXXX of every month and is cleared electronically by the XXXX or XXXX. Prior to the due date There was an issue in XXXX where they were having issues processing the amount paid every month that was charging late fees and interest. It was cleared up until XXXX. Spoke with a XXXX about the late fees and interest charged. He agreed with what was said and reversed all the late fees and interest charges to bring the balance to {$0.00}. I asked if there was anything owed for the next billing cycle in XXXX and the answer was " No ''. So, I only owe the {$9.00}? XXXX confirmed the answer was yes. 

Come time for XXXX, the bill came in around {$10.00} or so ( can not remember the correct amount ). Could not call and deal as my wife was having medical issues. 

So, got the new statement for XXXX and shows Late fees of {$40.00} plus interest and says we ow {$46.00}. I spoke with XXXX from Comenity on XX/XX/XXXX around XXXX XXXX  XXXX and understood the issue, but needed a supervisor to assist with the confirmation of the fees. I got on with XXXX and explained the situation and he said that the fees are accurate and nothing can be done. They lied to me on the call. I should not have to pay the price for the mismanagement. Since the daily interest was running, we would owe that amount. I said, you have been receiving the {$9.00} payment every month on time, they made the mistake last month but kept the interest running. Then to charge late fees on top of that. 

He could not even tell me how much it would be if I paid out of account. based on when it would be received. 

To me, this is thievery from a company. I have worked with many companies and never have this issue with ANY of them. They are taking {$40.00} more money from me than I should have to pay. 

What can be done?
Product: Mortgage

I took out my mortgage in XX/XX/XXXXXXXX XXXX 
in XXXX  Chase started charging me administrative fees, and taking payments to pay for those fees. 
Chase claims that they were sending people out to inspect my house to ensure someone was living there. Each time I received a charge for those services. 
Chase claims that they verified that I was living in the house, which is in fact not true as the house was under remodel and has yet to have anyone move into it as of this date. 

I have reviewed my contract and there is no section about Chase sending people to inspect my house, nor was there any disclosure in the contract about any such fees. 

I am requesting that Chase provide me copies of the invoices from the service provider, and that Chase void those fees effective XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company has violated my rights as a consumer, since it has reported monthly the account ( XXXX ) which is in Chage off, this is something illegal.
Product: Checking or savings account

SunTrust denied a deposit from my XXXX federal account in the amount of XXXX. This deposit was made in order to cover a XXXX charge that was pending. SunTrust denied the deposit, and charged me XXXX overdraft fee for the XXXX charge. I later learned that they were having online banking issues due to the merger with BB & T. I called customer service multiple times and no one would help. I was transferred to a supervisor who hung up on me. I should not have to pay for their system errors. If they has accepted my XXXX deposit there would have never been an overdraft fee. I now have two XXXX overdraft fees, leaving my account XXXX cent. I have been a customer for XXXX plus years, and this is what they do to their loyal customers. This is systematic Classism! I am a single mom working 3 jobs just to care for my family 's " basic needs and they can get away with stealing my money. My daughter needs XXXX, but I'm sure no-one cares, that XXXX SunTrust stole could pay for it. We obviously are not rich enough for anyone to care.
Product: Debt collection

Congress Collection is violating my federally protected rights. I never received the dispute notice before furnishing to my consumer report which is a violation of the FDCPA. You are now on Notice to Cease and Desist all communication from me from all mediums including my consumer report. Failing to remove the tradeline will result in me pursuing litigation for the damages this injury is causing.
Product: Money transfer, virtual currency, or money service

All monies reported to be returned/refunded immediately.
Product: Credit card or prepaid card

Re : Card ending in XXXX ( Chase Sapphire Reserve ) - disputing 2 transactions from XXXX. Refunds in the amount of XXXX ( XXXX ) // XXXX ( XXXX ). 

The conversion rate used for returns is unfair, wrong, and predatory. On this date, a purchase would be converted at 1.194 -- - however, a return is receiving a completely different unfair rate of 1.121 ( 6 % worse ). 

Please see to it that I am refunded the appropriate amount with consideration to the rate that is current. The difference owed to me is over {$100.00} Spent 30 minutes on the phone with XXXX ( XXXX XXXX, TX ) - Account Supervisor XXXX/XXXX/XXXX -- -- - service representative was n't able to assist, outside of her area of competence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s ) with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being XXXX XXXX XXXX XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day. Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX  website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; Experian, XXXX, and XXXX. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been paying my mortgage since 1999, for some reason since XXXX XXXX XXXXXXXX XXXX took over my mortgage loan, my payment history has not been reported to consumer reporting agencies. This matter has been effecting my credit worthiness, I am not able to qualify for best interest rates of a new home mortgage financing, due to this error. Want to mention, that finisher has to provided, maximum possible accuracy to consumers credit report, written by Fear Credit Reporting Act. Please fix this error ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has put me on a do not call list, because I 'm trying to correct their mistakes that they refuse to correct. I 'm sick of dealing with these people, if they would get it right I would n't have to call. I have two accounts that are listed as open account, and listed as BK s as well, the BK should have closed those accounts.XXXX XXXX and XXXX XXXX. Also the two tax liens XX/XX/XXXX and XX/XX/XXXX should show realased, and then remove after the 7 years.everyone else got it right, why not them?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Ink ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUINT TO LAW 15 U.S.C 1681 et seq. It's Statutes and it's Amendments - TRANSUNION, XXXX  AND XXXX   COMMITTED FRAUD AGAINST MYSELF AND THE FEDERAL GOVERNMENT IN THAT THEY WILLINGLY CONSPIRED TOGETHER TO ; # 1. ILLEGALLY REFUSE TO ADD MY STATEMENT OF DISPUTE, 1st ATTEMPT, TO THE NEGATIVE ACCOUNT FOR WHICH THE FIRST STATEMENT OF DISPUTE WAS INTENDED FOR. ( Statement of Dispute- mailed via USPS on XX/XX/XXXX. Action taken by TransUnion, XXXX and XXXX  Credit Bureaus- No Action Taken. ) # 2.  ILLEGALLY DELAYING XXXX MONTHS, ( XX/XX/XXXX - XX/XX/XXXX ), TO ADD 2nd STATEMENT OF DISPUTE TO NEGATIVE ACCOUNT FOR WHICH THE PERSONAL STATEMENT OF DISPUTE WAS INTENDED FOR. ( Action taken by TransUnion, XXXX and XXXX found on XX/XX/XXXX ; Criminal Conduct- Elimination of all Accounts in Good Standing in Retaliation for pressure to add Statement of Dispute- 2nd Attempt sent XX/XX/XXXX to negative account for which the Statement of Dispute was intended for. ) # 3. TRANSUNION, XXXX  AND XXXX ILLEGALLY DELETED ALL ACCOUNTS IN GOOD STANDING FROM MY CREDIT HISTORY IN LIEU OF ADDING MY PERSONAL STATEMENT OF DISPUTE TO A NEGATIVE ACCOUNT FOR WHICH THE STATEMENT OF DISPUTE WAS INTENDED FOR. ( Action taken by TransUnion per my call to them in XXXX on XX/XX/XXXX ; Attempting at present to cover their criminal conduct, against myself and the Federal Government, by deleting both my Personal Statement of Dispute and the Negative Account for which the Personal Statement of Dispute was intended for. TransUnion also stated to me in response to a written average dispute that I submitted to all 3 of the afore mentioned Credit Bureaus in XX/XX/XXXX that the Negative Account spoken of above, which is " XXXX XXXX XXXX '', and the collection agency, " XXXX XXXX XXXX '' who purchased the charged off negative account of XXXX XXXX XXXX are owned by the same people and hence could not be removed, even though the negative account by XXXX XXXX XXXX is an Unknown Creditor and was disputed as such per my legal right. - Action taken by XXXX ; Attempting at present to conceal their criminal conduct by having deleted my Personal Statement of Dispute from the Negative Account that it was previously attached to and by showing only XXXX Accounts of many previously in Good Standing and showing those XXXX Accounts as closed. - Actions taken by XXXX  ; Unknown at present. )
Product: Debt collection

I did a check of credit report and found error from Hospital Services Inc ( HSI ) with a negative remark on credit in which I have not ever contracted with Hospital Services Inc on XX/XX/XXXX without this consumers knowledge of debt to HSI. On XX/XX/XXXX, I wrote HSI to dispute the issue. In the letter I asked for their North Dakota state license number as a registered collection agency, I asked for debt validation through a full audit of all transactions into and out of the agency via XXXX XXXX XXXX XXXX D.B.A.XXXX XXXX in XXXX, ND in which original debt was held and written off not a statement of account, I asked for a signed contract that I had with the agency with my wet signature on said contract, I asked for purchase date of debt to the debt collection agency, and I challenged the statute of limitations. 

I received written communication from HSI on XX/XX/XXXX stating that an itemized statement which contained personal medical procedure information to include lab tests and care received that was given to the collection agency by XXXX XXXX XXXX XXXX D.B.A. XXXX XXXX in violation of the Person Health Information Privacy code of HIIPA through the OCR Civil Rights to privacy in medical information. I did not ever sign any document to giving XXXX XXXX XXXX XXXX   D.B.A.XXXX XXXX  permission to divulge any medical information to any third party agencies. 

HSI specifically states on their website and letterhead that they are " A Debt Collection Agency ''. To collect debt in North Dakota, an agency must be licensed. There is no record with the Secretary of State of North Dakota that HSI is a licensed agency. HSI did not provide in their communication their North Dakota State collection agency license number. Hospital Services, Inc stated in the bottom of the letter that this communication is from a debt collector and stated that this debt had not been purchased. The itemized statement from XXXX XXXX XXXX XXXX  D.B.A XXXX XXXX shows that the amount was written off. HSI falsified information in the written communication. HSI states on their website that they communicate with the " debtor '' that they will post negative remarks on the debtors credit report as a means to get payment for purchased debt from hospitals.
Product: Credit card or prepaid card

I submitted a payment through Homedepot.com for my monthly balance. The due date was XX/XX/10 and the amount {$65.00}. On XX/XX/XXXX I received a letter that the payment was rejected. I called to find out why the payment was rejected. The first XXXX said she could not help and I was transferred to customer servce. They said theyd issue a credit for late charges but could not tell why it was rejected but I should speak with my Bank. I phoned my Bank, they had no record of an attempted payment. On XXXX I received another letter further explaining why the payment was rejected. I was asked to validate the routing and account number. This is an old routing and account that had been removed years ago from the account. I wrote to Home Depot online as my experience on the phone was unhelpful. After At least five or more back and forth where I was provided canned emails with no explanation I was told these could not be done in writing and Id have to call. I will not call and go through that experience again.
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 consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 state a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 those account 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. 


XXXX XXXX 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

After sending out a letter and complying with FCRA 605B guidelines to TransUnion they have responded with a letter stating they have removed the 27 inquiries only to have them on the credit report. This is the reason why my attorney has been assigned to sue the credit report agency for failing to comply with the federal law and for failing to remove the 27 inquiries that are fraudulent.

They have also failed to provide any training to the fraud department. Im sending you the complaint so that you have the information documented. 

When my attorney files a lawsuit against you for my personal injury in losses of XXXX because I am not able to secure capital to grow my business or operate my business. Not to mention pain and suffering from XXXX and anxiety and XXXX from the stress of not having enough XXXX  to support my family financially. You have no right to have that much control of someone elses destiny especially when you are in the wrong side of the law. Even if you are to remove the inquires from the file. The past year has been very difficult for me and my family along with my ministry. I want you to know how much you cost me and my family. 


You have failed me as a victim and you deserve to be held accountable for my financial losses and suffering that you have caused me and my family. 

I am sending you this letter so that you are not confused about the lawsuit against you that my attorney has filed. You will receive notification of this matter within a week. Personally I am wanting to take this matter to trial to ensure that this matter is not effecting any other victims of fraud and identity theft.