23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never received any statement regarding a collection account. There was never any communication from the collection agency notifying me that they were placing an account for collection, or about my right to dispute the validity of the debt. It was discovered when I found it on my credit report XX/XX/XXXX. I did not recognize this account so a Request for validation was sent. The company did not respond. A credit reporting agency confirmed to me today that collection agency contacted them with validation on XX/XX/XXXX but has still not sent me anything and credit reporting agency never notified me. I have had zero communication from this company although I have contacted them for validation, and they have failed to validate that this debt is actually owed by me. The status of this account is still in dispute and " reinvestigation in process ''. This has been in investigation since XX/XX/XXXX. Furthermore, the collection agency is reporting the same account twice on my credit report. The only difference is one says " reinvestigation in process '' and one has a XXXX added between XXXX numbers on the account number.
Product: Credit reporting, credit repair services, 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 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

Capital One is assessing late fees on the same date as the payment due date and even though payment was made on the payment due date on my Walmart credit card. Capital One is the only bank that uses early cut off times. If you log in one minute past XXXX the system will only allow you to choose the next day to submit the payment. So even though payment was made on the payment due date, I am still assessed a late fee because of the early payment cut off time. All of the credit card companies that I deal with allow you to make a payment before XXXX pm before assessing a late fee and Capital One should do the same. Capital should have to explain why their cut off time is earlier than any other credit card company. If a payment is made before XXXX such as XXXX, Capital One has not problem taking out of my checking account in less than XXXX hours because I will receive a notification on my phone and e-mail that a debit to Capital On has been processed.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TRANSUNION refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Amount : {$9900.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was reviewing my credit profile and I see fraudulent inquiries on my credit report that I did not authorize. These inquiries is not my accounts. The inquiries are American Express XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

[ Note : I'll upload a XXXX of this in case the formatting gets lost. ] Chase is in breach of contract for ignoring many requests over the past few months for a {$250.00} reimbursement for my XXXX arbitration fee. The details are as follows : XXXX. Around XXXX, XXXX requested a {$250.00} reimbursement for my XXXX arbitration case via Chases XXXX XXXX. I quoted the relevant part of Chases Cardmember Agreement in support of my request. 


XXXX. On XX/XX/XXXX I sent another message through the online portal stating it has been over XXXX weeks since I requested a reimbursement. 


XXXX. On XX/XX/XXXX I sent a third request for a reimbursement. 


XXXX. In my mail correspondence with Chases XXXX department, which they received and signed for on XX/XX/XXXX, I informed them that I will be assessing a {$100.00} late fee per day for each day they fail to reimburse my {$250.00} XXXX arbitration fee, including holidays and weekends. 


XXXX. Chases XXXX department did not respond. 


XXXX. On XX/XX/XXXX I sent a fourth message through the online portal stating it has been over 3 months since I first requested a {$250.00} reimbursement for the XXXX arbitration fee. 


XXXX. I included the following statements in my online portal message : Additionally, I mailed some documents to your legal department, which were directly related to the open arbitration case. In my correspondence, I informed your XXXX department that for each day Chase withholds my reimbursement, I will bill you an additional {$100.00} per day ( including holidays and weekends ). 

Your legal department received and signed for this parcel on XX/XX/XXXX. 

Chase currently owes me {$250.00} plus {$800.00} in late fees and a {$300.00} administration fee. For a total of {$1300.00}. 

XXXX. I received an automated response stating someone would get back to me within XXXX business days. 


XXXX. Today is the XXXX business day, allowing for a complete XXXX business days between the day I sent it and today. 


XXXX. Chase did not respond. 


XXXX. To date, Chase currently owes me a {$250.00} reimbursement plus {$1300.00} in late fees plus a {$300.00} administrative fee. For a total of {$1800.00}. 


Without prejudice, XXXX : XXXX, beneficiary
Product: Checking or savings account

On XXXX XXXX, XXXX, my checking account was defrauded to the amount of {$1000.00} by a party utilizing XXXX. This transaction was never authorized by me. 5/3 Bank insists that I did authorize it and refuses to replace the funds. I have filed a police report, a claims report with XXXX XXXX, the Federal Trade Commission & attempted to receive phone records from XXXX to prove my position. However, XXXX will not release said information without a court order. 
To complicate matters for me, when this occurred, 5/3 bank had never informed me of a feature which they offer customers which signals me immediately when any substantial transaction is made against my account. I learned of this feature accidentally in a conversation with one of their banking officers ( but not the one who originally handled my complaint ).
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we got ta delete any wrong stuff from my credit report. Can you look at the papers? Some accounts listed are wrong about what's reported, like the amounts and dates.
Product: Credit card

I had the following charges on my credit card which are unauthorized. I've called the company to dispute them but they won't do anything about it. 

XXXX  - {$21.00} since XX/XX/XXXX to present ( {$310.00} in total unauthorized charges ) XXXX  - {$29.00} since XX/XX/XXXX to present ( XXXX in total unauthorized charges ) XXXX  - {$6.00} since XX/XX/XXXX to present ( {$76.00} in total unauthorized charges ) Ancestry - {$63.00} XX/XX/XXXX to XX/XX/XXXX ( {$570.00} in total unauthorized charges )
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX account # XXXX Falsely reported XX/XX/2023 as a Late Payment without delivering a notice of late payment 21 days prior to the date of the payments due date as FCRA federally protected law states to do so.

LATE PAYMENTS- According to 15 USC 1666b - Timing of payments ( 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.

The reporting company can not provide me with proof that they mailed a notice of the period statement with late payment 21 days prior to the due date reported. You have 14 business days from the date of receiving this dispute to update all false reported late payments on my credit report. If you fail to due you will be held liable to me for statutory damages of {$1000.00} per violation as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ).
Product: Credit card or prepaid card

I made a check payment for {$500.00} for my credit card through a Bank of America atm on XX/XX/19, the atm spit out a receipt that it was unable to process the item and could not return it and to contact electronic claims. I did so and they told me that it would take 7-10 to resolve. It was not, I called back after 2 weeks and they said the case was still pending. I checked the bank account I wrote the check off of yesterday XX/XX/19 and saw that it was cashed on XX/XX/19, but it has not been credited to my credit card. I called Bank of America today XX/XX/19 to ask where the money is if it not in my account, they told me to wait a few more days and see and if not I would have to file a claims with my other bank? I dont understand they lost my check and it was cashed and they want me to file a claim with my other bank?
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 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 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX Account 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 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 reporting

we were told it would be 7 years than it would come off out record. all but Equifax did come off. they told us 10 years, even the our lawyer told us 7 years his office process the bankrupty when we told him we did n't want to do it. 
why is XXXX agency report not the same when come to this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on Numerous occasions about them stealing my money mand not canceling my product. They keep you on hold for hours to make sure you miss the deadline of the 7 Days to cancel your product. I do not have money to throw in the Trash and Experian has had Law Suits filed against them before because of this Deception. I want my {$31.00} that they took from me on XX/XX/2018. 

I have spoken to many Foreigners in a 3rd world country about this matter and I am tired of asking them for money they stole from me. I want my MONEY NOW! 

Thank you,
Product: Credit card or prepaid card

( 1 ) I have been a card member with Citicards for more than 30 years. 
( 2 ) In the past year, I have reported to Citicards that I had not been receiving monthly statements. Since then, they have been notifying me when my statement was online, so I have been viewing my account and paying my monthly amounts on the Citicard website. 
( 3 ) On evening of XX/XX/XXXX I went on the Citicard website and made a payment of {$40.00} ( 4 ) Citibank then sent me a confirmation of that payment headlined " You're All Set '' confirming values " Before Payment '' and " After Payment '' ( attached - see " After Payment '' amounts ) ( 5 ) Shortly thereafter I went to the Citicard website and saw numbers much greater than the " You're All Set '' values shown as " After Payment ''. 
( 6 ) I got the run around when I called Citicard Customer Service on XXXX XXXX, XXXX ( 7 ) Following that call, I wrote my letter dated XXXX XXXX, XXXX to Citicards ( attached ) ( 8 ) That letter was sent via USPS Priority Mail on XXXX XXXX, XXXX. 
( 9 ) That letter to Citicards was verified by USPS as " delivered '' to Citicards on XX/XX/XXXX @ XXXX ( see attached USPS Confirmation of Delivery ) ( 10 ) I called Citicards today ( XXXX XXXX, XXXX ) to get an update. The Citicard representative, XXXX, stated that they had not received my mail, had no email address where I could send a duplicate and no fax number that would be received in a timely manner. 
( 11 ) After speaking with her supervisor, XXXX stated they would not correct my account back to the {$0.00} Minimum Payment Due and {$1500.00} Current Balance as shown on the " You're All Set '' page. 
( 12 ) A screen shot of the XX/XX/XXXX Citicards website verifies the inflated amounts, well above the " After Payment '' values with no transactions made by me during that period!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Ally Auto for failing to honor their agreement to correct inaccurate information on my credit report. I financed a XXXX XXXX XXXX XXXX with monthly payments of {$810.00}. After missing one payment in XX/XX/XXXX, I promptly communicated with Ally Auto to resolve the issue and brought my account current. During these communications, Ally Auto representatives assured me that once my account was brought up to date, they would remove the XXXX late payment for XX/XX/XXXX from my credit report, as it was incorrect. 

Despite this, Ally Auto has failed to uphold their end of the agreement. When I reviewed my credit report, I noticed that instead of removing the XXXX late payment from XX/XX/XXXXXXXX XXXX Ally Auto changed it to XX/XX/XXXX. Shortly after, they altered it again to reflect a XXXX late payment in XX/XX/XXXX. This deliberate shifting of the late payment record occurred three times and demonstrates their failure to meet their stated commitment to remove the late payment entirely. 

I have called Ally Auto multiple times, as shown in the attached call logs, to address this issue. On several occasions, I requested written confirmation of their agreement to correct the late payment, but they failed to provide any such documentation. During one call, I was placed on hold after requesting Ally Autos mishandling of this issue has caused significant frustration and inconvenience. The repeated changes to the reported late payment month ( XXXX to XXXX, then to XXXX ) appear to be deliberate attempts to avoid fulfilling their commitment. Their actions have negatively impacted my credit score and overall financial standing, creating undue stress and potential barriers to future financial opportunities. 

I also want to emphasize that during each call, I was clear in requesting documentation proving their intention to remove the 30-day late payment. Despite being promised by their representatives that these requests were being processed, no such documentation was ever provided. The lack of transparency and follow-through is unacceptable for a financial institution, and I am holding Ally Auto accountable for these failures. 

The fact that Ally Auto records all calls provides an opportunity for verification. I am requesting that all calls listed in the attached call log be reviewed to confirm my account of events, including specific promises made by their representatives. I expect Ally Auto to take this complaint seriously and provide a full explanation of their mishandling of this situation.
Product: Debt collection

XXXX XXXX IS IN VIOLATION OF LAW CODE 15 U, S, C 1681 ITEM WAS PAID XX/XX/year> IN FULL
Product: Credit reporting or other personal consumer reports

2 student loans ( private ). Originated XXXX with XXXX XXXX. 

1st and only payment made on account ll as XX/XX/XXXX. No full payments followed. 

XXXX XXXX mis-representing date of last payment. 

Loans should have called off 3 bureau reports in XX/XX/XXXX. They still remain, impacting credit.
Product: Mortgage

HI, I AM XXXX XXXX HOMEOWNER XXXX XXXX XXXX XXXX XXXX NY XXXX HAVE : SATISFACTION OF MORTGAGE DOC. ID XXXX XXXX AND PRINCIPAL {$50000.00} MORTGAGE made by XXXX XXXX I HAVE DEED XXXX date ; XX/XX/XXXX XX/XX/XXXX I send shellpoint mortgage servicing {$6500.00} check number XXXX XX/XX/XXXX I SEND {$5000.00} FROM XXXX COMMISSIONER OF SOCIAL SERVICES TO ESCROW # XXXX in SHELLPOINT Mortgage Servicing tel ( XXXX ) XXXX I NEED MY MOHEY BACK AND MY RESIDENTION HOUSE XXXX XXXX XXXX  XXXX XX/XX/XXXX Shellpoint Mortgage Servicing sell my house to XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report from XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). It appears that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. 

As a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report. 
4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. 

I believe that TransUnion has violated my FCRA rights by not properly investigating the XXXX  inquiry, which has resulted in inaccurate information on my credit report. Therefore, I urgently request you to take immediate action and remove this inquiry to rectify the situation. 

Please provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS. 

XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX