23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

When I spoke to the merchant they said they only received a {$200.00} dispute from TD bank and I disputed {$800.00} or {$850.00} I believe! So TD bank did absolutely nothing to get my money back, the merchant even knows that these charges were duplicated! This is ridiculous TD bank just removed {$650.00} from my bank account no explanation no nothing just a provisional reversal! This is insane and I am completely sick to my stomach that they would take my money without even trying to get it back! I know I am tired of fighting for my money that I know was an error on behalf of the merchant! What is mine is mine and I am extremely upset and disappointed that TD bank would not rectify this as they shouldve have. The merchant stated that they did not send TD bank anything because they never received my dispute for the {$650.00} at all! This is legal robbery and I am tired of going through this with and for my money!
Product: Credit card or prepaid card

I was approved for the HSBC cash reward master card on XX/XX/XXXX. I received my card soon after and made several purchases with the card, around 10-20 transactions. After this, my card was frozen and I could no longer use the card. I contacted hsbc, and received an associate within 15 minutes. He informed me I had a fraud freeze on my account, due to a new account, he transferred me to hsbc fraud department. I was placed on hold for an hour before an associate answered, I have her rep number, she sent me a pdf form to fill out and provide additional information on proof of residence on XX/XX/XXXX. I completed the form as soon as I received it and returned it to them XX/XX/XXXX. Soon after I attempted to call to follow up on the email XX/XX/XXXX, XX/XX/XXXX and XXXX. I was placed on hold for 1 hour, 2 hours and 2 minutes and 1 hour and 34 minutes all ended in an automatic disconnect. All of which I retained the screenshots to evidence my attempts to follow up on my account and proof of address, in which, I sent an email with my confidential information in. I attempted to create an online account, but due to the type of freeze on my account I can not create an online account to monitor my account activity or make a payment. It is now XX/XX/XXXX and I have yet to hear from HSBC and my card is still frozen. The card I was approved for was for a vacation trip which I have already taken. I can no longer wait on hold for hours to be disconnected with and need to resolve this issue before my credit is impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for over 3 month to log into Trans Union to file a dispute but I get an error message that the say 's Were sorry ; this site 's dispute functionality is not available at this time. Please wait at least an hour and try again. I have attached this to my file. 
I need to dispute the following accounts that are not my accounts, XXXX XXXX Trans Union RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have included the negative accounts below. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion Derogatory Accounts ( 4 ) Not my account XXXX XXXX Other Loan Past due : {$820.00} Collection/ Chargeoff XXXX XXXX XXXX Not my account Other Loan Past due : {$500.00} ChargeOff XXXX   Not my account Credit Card Past due : {$0.00} ChargeOff XXXX XXXX Not my account Other Loan Past due : {$130.00} Collection/ Chargeoff According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

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

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXXXXXX This account is not only incomplete, it's inaccurate. 

Why are there so many missing fields of information? Did XXXX XXXX  not supply that information to you? 
Why isn't XXXX XXXX isn't reporting any payment history at all? 
How can I be on time in XXXX of XXXX with Experian but 30 days late with XXXX? 
How can I be 30 days late with Experian and 60 days late with XXXX in XXXX of XXXX 
How can I be 60 days late with Experian and 90 days late with XXXX in XXXX of XXXX 
How can I be 90 days late with Experian and 120 days late with XXXX in XXXX of XXXX 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting. 
This has caused me to suffer and its defamation of my character.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : US DEPT ED/ {$1300.00} / XX/XX/2022 US DEPT ED/ {$750.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$2300.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$1200.00} / XX/XX/2022
Product: Checking or savings account

Received letter dated XX/XX/2022 that states my account ending in a number is overdrawn. The letter is from TD Bank. It has no record or reports of withdrawals. It just states to make a deposit of {$5.00} as soon as possible to clear the overdraft. I spoke to Fraud division at TD Bank, XXXX. She took my information and told me to contact you.
Product: Credit card

Dillard 's I had a {$0.00} balance in XXXX, bought XXXX presents in XXXX which totaled {$120.00}. Payment is due XXXX/XXXX/16. Logged into my account to pay the bill on XXXX/XXXX/16 and it showed " No Recent Transactions '' but a balance of {$150.00}. I called to ask why the {$25.00} difference and was told " The system automatically puts a late fee on your account, if your payment is n't made by the due date. '' I said, " But today is the due date, it 's not late until after XXXX ( It was XXXX ). " If I was n't paying attention, I would have paid you an additional {$25.00} that I do not owe you. '' Then she told me " that 's how the system works '' and got very short with me, so I hung up. Bottom line, Dillard 's is charging a late payment on an account that 's just due today. It does n't seem legal to assess a late fee to an account that is still within the payment due date window. I always pay directly to the Dillard 's site, by my due date. It makes me question how many other times I 've been charged a " late fee '' when I was well within my payment window. Their " system '' should not be tacking on a late fee until after XXXX on the date due. 
**Also, there was nothing on the statement that shows the addition of a {$25.00} charge or what it 's for, it just got added to the balance.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd and final attempt to get this 30 late payment removed from my credit profile or to remove the entire account completely. I have sent in multiple documents supporting my claim and nothing is being done. 

XXXX XXXX XXXX # XXXX During XXXX i was XXXX XXXX XXXX I went though treatments for weeks to get better. I reached out to XXXX XXXX and requested requesting deferred payment while i recover from covid. I was unable to work. They approved my request. Unfortunately it was not inputted in there system, and next thing you know i have a 30 day late. I immediately paid the past due amount once i got the notification. I have reached out to XXXX XXXX and they will not assist in removing XXXX XXXX 30 late payment. I have sent copies of my XXXX XXXX XXXX, testing result and treatment to Experian, XXXX, XXXX XXXX and XXXX. XXXX is the only one who has listened and has acted. They removed the entire account from my credit report. 

XXXX XXXX, Experian and XXXX has violated my rights and consumer laws. Per FCRA i have the right to an accurate Credit Report. If i do not get resolution of this i will seek professional representation to get this removed/resolved and will pursue fines and penalties to the fullest!!!
Product: Credit reporting or other personal consumer reports

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX : Account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction back in XX/XX/XXXX with Santander Consumer. A consumer credit transaction is a transaction where a finance charge is involved. Pursuant to 15 usc 1605 the finance charge is the sum of ALL charges in any consumer credit transaction. Since the finance charge is the sum of all charges I should not be receiving any 'bills ' from Santander USA but I have been receiving bills from Santander Consumer USA since XX/XX/XXXX which is a violation of 15 usc 1692b. I now understand that pursuant 15 usc 1692a ( 3 ) I AM the Consumer. Santander Consumer USA has been fraudulently taking payments from me and I need your help in this situation. I have already sent them ALL forms and proof of the deception they have pulled on me and they are in receipt as of XX/XX/XXXX
Product: Debt collection

I called H & R Accounts ( XXXX ) to let them know the debt was currently under dispute and investigation by a third party. I also told them I did not have an estimated date of when it would be resolved or the outcome. I offered to pay as much as I could to have the debt satisfied. They declined and threatened that if I did not pay the amount in full they would report it to the credit bureaus by a specific date. 

I then sent a verification of debt letter ( certified mail ) and called to make sure they received it. They confirmed it had been received but threatened again that a report would be sent to the credit bureaus if it was not paid in full by their arbitrary date. They reported this debt to the credit bureaus prior to me receiving any verification of debt from them or trying to come to any sort of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Agent says account is closed and I owe {$1500.00} despite Chase offering Gap Insurance. The credit bureau shows an open account with a balance of {$4800.00}. Requested original lease agreement and documents supporting adjustments to closed account. Agent says I should receive within 7-10 business days. 

XXXX - Requested original lease agreement. Agent says this can not be released. 

XXXX Insurance rendered decision of total loss and was prepared to settle. Insurance needed copy of original lease agreement. 

XXXX Requested copies of origination documents. Agent says they are not available to send. Escalated to the presidents office. Agent took statement and provided no remedy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not authorize any above mentioned.
Product: Credit card

First National Bank of Omaha has broken 2 Federal Laws, the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and the Fair Debt Collections Practices Act Section 807 ( 8 ) in which it is stated that if a consumer disputes the information on their report the defendant is required to : a ) Provide documentation of the debt bearing the consumer 's signature b ) Mark the consumer 's credit report as disputed within 30 days. 
Neither of these things were done. The initial dispute was sent via certified mail and signed for on XX/XX/2016. I have included evidence attached showing that within 30 days, which would have been XX/XX/2016, none of the XXXX credit agencies had marked my credit reports as disputed and there was never any validation of the debt bearing my signature. 
I filed a small claims lawsuit initially XXXX from the bank proceeded to bully me ( during a phone conversation on XX/XX/2016 ) into dropping the lawsuit by arguing me about the facts of the law and then making a counterclaim against for an incorrect debt that has already been charged off anyway. He misstated the laws and would not hear my side of the story, so this is my last recourse to get the information removed from my credit report. 
I am including as attachments 1. Original dispute to the First National Bank of Omaha 2. Evidence of date it was signed for on XX/XX/2016 3. Subsequent letters to the First National Bank of Omaha 4. Evidence of dates they were signed for XX/XX/2016 5. Screenshot showing the information was not marked disputed by XX/XX/2016 -- was not even marked disputed by XX/XX/2016 when credit report was run
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX for 2 years never miss a payment of been late.. The car was total loss in XXXX in or around XX/XX/XXXX. I got in touch with my insurance company which was XXXX and they did there part as soon as they could and I was pleased with them and during that time I called to PNC bank to report the incident and they was in touch with my insurance company and worked everything out with the payment which they paid over XXXX and Gap insurance was paying the balance which left a little over XXXX. I spoke with PNC bank several times about the payments and to keep them informed and we kept each other informed about the process and PNC new they were getting paid and they proceed to place a late payment on my credit and knowing that they were getting paid and they new the exact date that the check would be process. I would like the late payment removed off my credit because I have never been late with any of my payments on anything and I think it is very unfair for them to place this on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MTR XXXX XXXX XXXX XXXX XX/XX/2021
Product: Checking or savings account

In one month my account was fraudulently hacked and withdrawn for XXXX and the bank is saying some were authorized and the other was denied to to time frame in which was not even 10 days WELLS FARGO BANK
Product: Debt collection

I am writing to file a complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have encountered several issues with their conduct that have adversely affected my consumer rights.

Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is obligated to provide validation information upon request. Despite my request, they have failed to furnish any validation information, yet they proceeded to report the debt to consumer reporting agencies.

Denial of Dispute Opportunity : As per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the accuracy of a debt. Unfortunately, Midland Credit Management has denied me the opportunity to dispute the account, violating my rights under the aforementioned regulation.

Use of False, Misleading, and Deceptive Means : The collection agency has engaged in false, misleading, and deceptive practices. Such conduct is in direct violation of consumer rights, and I request a thorough investigation into these practices to prevent further harm to consumers.

Furnishing Information Without Disclosures : The collection agency has furnished the debt to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 [ 7 ) ( A ).

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and takes appropriate actions to rectify the violations committed by Midland Credit Management. I am seeking redress and a resolution that upholds my rights as a consumer.

Enclosed with this letter, please find documentation supporting my claims, including proof of my request for validation information and any communication with Midland Credit Management. I believe a prompt investigation will reveal the extent of their non-compliance with federal regulations.

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX lied said I sent a cease and desist letter I never did, I had know reason to I paid off my credit card on time. On XX/XX/XXXX I talked XXXX XXXX person who said he had know information on a cease and assist letter sent. XXXX XXXXXXXX sent a attachment pd though the CFPB that want open at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with transunion, eXXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Consumer Loan

I would like to make a complaint against Mobile loans. I have paid this company over {$3000.00}. I am being charged a fixed amou t of {$73.00} every two weeks. I have co tacted this company to request a deferment or a settlement. I am drowning with these online lenders requesting help. All.of my payments are being applied to i terest
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD XXXX ACCOUNT XXXX Reported Late Payment in XX/XX/ 2019 when payments were current within 30 days of the reported late payment.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization
Product: Checking or savings account

On XX/XX/20, I inadvertently sent {$600.00} to XXXX XXXX via Cash App. Immediately upon realizing what happened, I contacted Cash App to inform them of this error and to request a refund. I was told by the representative on XX/XX/20 that Cash App is unable to cancel or refund payments once sent to the recipient, but was informed I could request my funds back by submitting a refund request. Upon performing this action, XXXX XXXX denied my refund request ( document attached ). 

As a company, Cash App should have safeguards in place for those who make errors using its system. In addition, I was told " goods and services '' were received in full. However, this is also incorrect - no proof was sent by Cash App to support this erroneous claim ( document attached ).