23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a payment via electronic banking to Home Depot Credit Services in the amount of {$5100.00} on XX/XX/XXXX. Unfortunately I intended for it to go to my Home Depot Project Loan account but I sent it to a Home Depot credit card account that is closed due to inactivity. 
I contacted Home Depot and they claim no knowledge of my payment. I never received any notice the credit card account was closed nor any communication about my money being received or being returned. 
They will not provide any phone number for their Payment Research Center, only an address to mail inquiries to in XXXX XXXX, MI. I am concerned by their actions they will attempt to steal my money and I am requesting your help.
Product: Credit reporting or other personal consumer reports

See Attached. Experian has violated my rights under the FCRA by willfully being noncompliant to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not following procedures to follow maximum possible accuracy when preparing a consumer report. On the XXXX XXXX XXXX act # XXXX, you can see there was no adequate investigation performed. In the payment history section from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX  for charge off is being reported as a payment each month. This is a charged off account meaning it is closed because it is a cancelled debt so how can there be an update to the payment history each month? It says the date payment received is XX/XX/XXXX but if you look at the payment history it has XX/XX/XXXX marked as 30 days late but how can that be if in XX/XX/XXXX the payment status was current? in XX/XX/XXXX and XX/XX/XXXX they both say 60 days late but it's impossible to be 60 days late two months in a row. Under 15 U.S. Code 1681 ( a ) ( 1 ) congress made the finding that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I've pointed out all these inaccuracies after Experian 's Investigation yet they still reported back the account as updated and verified which goes directly against each law I have mentioned in this complaint.
Product: Credit card or prepaid card

1. XX/XX/2017 Bank of America rejected my application for a Visa card. 
2. I was informed that this was because I had a payment modification made on a previous credit card. 
3. Responsibility for paying the credit card was assigned to another party in a judicial settlement. 
4.Since I was the primary holder of the card only I could request a modification to the payments.

5. I neither made nor approved anyone to make such a request nor was I informed by the bank that such a request had been made. 
6. The bank refused to correct the error and remove the injurious report from my file.

7. To protect my credit from future injury I subsequently had to pay off the remaining balance on the credit card. 
8. The bank has refused to accept responsibility for the error and to provide a written apology.
Product: Debt collection

Attorney XXXX XXXX XXXX filed a lawsuit and obtained a judgment against me, and is requesting a garnishment on my pay for a debt that is past the statute of limitations. 

The loan date was XXXX, in the state of Tennessee statute of limitations is 6 years, I was served in XXXX XXXX which is exceeds the statute of limitations by almost 1 year ; with a court date that was past the statute. XXXX XXXX XXXX on the date of court and was unable to attend to argue my case, and now they have a judgment out for it. 

When I spoke with the representative with the attorney office and she stated the date of loan being XXXX I expressed this was all done after the statute of limitations and she stated oh well you can dispute it but the judge approved the judgment.
Product: Credit reporting or other personal consumer reports

I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to update a account although i privided adequate documentation. XXXX XXXX paid off XX/XX/XXXX. XXXX XXXX XXXX XXXX removed as a authorized user on XX/XX/XXXX. No actions were taken
Product: Credit reporting or other personal consumer reports

In my credit report, I found some unrecognizable accounts. As a result of not knowing about the existence of the accounts listed below, they need to be removed. I have been a victim of identity theft. All the accounts listed in this letter are unfamiliar to me. The Federal Trade Commission has been notified of the theft of my identity, and I have received copies of the Identity Theft Affidavit from the Federal Trade Commission. In this letter, I respectfully request that the items listed be removed. I appreciate your team 's assistance in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2021 I initiated a trustee-to-trustee transfer from UMB Bank to XXXX Bank for a specified amount. The form I sent to UMB Bank clearly stated the amount to be transferred and that my account with UMB Bank should NOT be closed. UMB transferred the entirety of my account balance to XXXX XXXX  and closed my account. They also charged me a {$25.00} account closure fee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account # : XXXX Date Opened :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/year> High Credit : XXXX XXXX  15 US 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in XXXX! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called factual disputing methodology. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the fancy jargon in this round to prevent it being misinterpreted as coming from a credit repair company. 
You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( MyFICO ) and others who furnish third party disputes free of charge, etc. 

Please investigate if every piece of information is correct. If not, please remove it from my credit
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an unauthorized transaction was made on my credit card through my PayPal account for {$360.00}. Then again on XX/XX/XXXX a second unauthorized PayPal transaction was made on my credit card for {$250.00}. This was a fraud charge, I immediately called my bank and closed my card. I contacted PayPal and their response was no unauthorized use which I find completely unacceptable. The party that received my money dont even sound like real people, the first account was to XXXX XXXX and the second to XXXX XXXX XXXX used to purchase the same good XXXX twice. I do not feel accountable for these unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car is reporting on my credit report as a repossession. We dont have any information on said car and would like it removed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

SPS services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. SPS services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXXXXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX Select Portfolio Servicing, inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against MRS BPO LLC, regarding their unlawful actions that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F ( 12 CFR Part 1006 ). Specifically, I believe these collection agencies have not adhered to the following regulations : Failure to Provide Validation Information : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), MRS BPO LLC have failed to provide the required validation information upon my request. Despite this failure, they have placed a collection account on my consumer report. 

Denial of Dispute Opportunity : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given a reasonable opportunity to dispute the accuracy of the debt with MRS BPO LLC.

Use of Deceptive Practices : MRS BPO LLC have engaged in false, misleading, and deceptive practices in their attempts to collect the alleged debt, which is a direct violation of consumer rights protected under federal law. 

Furnishing Information Without Required Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), MRS BPO LLC have unlawfully furnished information to consumer reporting agencies without providing me with all required disclosures. 

Additionally, I dispute owing any and all debts to MRS BPO LL. Therefore, I hereby revoke all rights of MRS BPO LLC to communicate with me via email, text messages, or phone calls regarding this matter. 

Furthermore, I formally request the following from MRS BPO LLC : Debt Validation : Provide validation of the alleged debt, including itemized statements and documents proving the debt 's validity and ownership. 

Purchase Agreement : Furnish a copy of the purchase agreement or contract between MRS BPO LLC and the original creditor demonstrating their legal authority to collect this debt. 

Proof of Licensing and Bonding : Provide documentation proving that MRS BPO LLC are licensed to collect debts in California and bonded as required by law. 

These actions by MRS BPO LLC have caused significant distress and financial harm. I have attached relevant documentation supporting my claims, including copies of correspondence with MRS BPO LLC. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure MRS BPO LLC comply with federal law. I also request that this collection agency cease all collection activities related to the disputed debt until these violations are resolved. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting a COLLECTIONS debt for unpaid medical expenses. 
One of these was removed, but two remain in the amounts of : 1. {$180.00} ( Date Updated, Payment Received ) I did NOT make a payment on this account. I have no knowledge of this account. 
2. {$200.00} ( Verified as Accurate ) I have no knowledge of this account. 
I disputed these debts for the following reasons : 1. I had no knowledge of the debt.

2. The company, MBA Law, never attempted to collect the debt from me.

3. The debt does not match anything under my medical bills in the amount or date. 
4. I have paid my medical debt or I am paying I'm accordance to a plan.

5. This has been added as a collections account to my credit report without the 180 days delay in reporting in accordance to the 2016 Credit Reporting Act.

6. MBA Law has not provided proof of this debt belonging to me.
Product: Consumer Loan

I had a Toyota Corolla that was repossesed due to me losing my job and not being able to make payments back in XXXX. I filed bankruptcy in XXXX and this was included in it. It is still showing that I owe them and it is still open. How is this possible? This bill is 6 years old and it is affecting my credit due to this still being on there.
Product: Checking or savings account

XXXX We had issued through XXXX XXXX XXXX XXXX XXXX XXXX ) an ACH collection in the amount of {$1300.00} payable on or about XXXX XXXX, XXXX. 

XXXX This was for rent collected from a tenants ( XXXX XXXX ) from her account ( # XXXX ) at Chase with routing number XXXX. 

XXXX The tenant terminated the Lease but we forgot to remove the ACH. 

XXXX On or about XX/XX/XXXX, the tenant called and said money was withdrawn from her account. We told her that it was a mistake and we will refund it. We checked out account at XXXX and in fact our account was credited for that amount. 

XXXX We issued her an ACH payment to refund her for the same amount. We emailed her proof of the ACH refund payment to her. 

XXXX In early XX/XX/XXXX, we reviewed our XXXX XXXX bank statement. We found out that our account was credited {$1300.00} once, but debited for {$1300.00} twice. Our refunding her went through but her bank, CHASE, recalled and took back the original {$1300.00}. XXXX did not notify us about this until we saw the XXXX monthly statement. 

XXXX As a result, our account is {$1300.00} short. 

XXXX We brought this to the attention of the manager at XXXX XXXX  XXXX After some vacillations, he said his Treasury Management will contact Chase to return the money. 

XXXX On numerous occasions I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX He states that this is not his problem but XXXX Treasury Management has contacted Chase about this twice, and that Chase has not responded. I asked and was told that by law, Chase has two weeks to respond but it has not responded to their inquires. 

XXXX Before filing this complaint, I called Chase and spoke with a XXXX ( call Ref # XXXX ) to see if Chase can explain the reason for failure to respond to XXXX XXXX  XXXX She did not have any inforamtion.
Product: Checking or savings account

On XX/XX/2019 my checking account was short of fund for a couple of bucks ( less than {$50.00} ) for the last 2 hours and after that really short time, I did fund my account, as I always do ( I do have a link savings account ), and direct deposit also. Then, to my surprise on XX/XX/XXXX TD bank charged a fee of {$14.00} because of an insufficient fund that I actually trying to figure out if after 20 plus days TD Bank can do that retroactively, because of my two accounts with them have enough fund since then.
Product: Credit card

I have been a customer of Bank of America for over XXXX years and have not had any late payments, but they reported XXXX XXXX day late payments to the credit agencies. I have stellar credit and have always sent my payments out prior to them being XXXX days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights. 

15 U.S.C 1681 section 602A States l 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 XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX  XXXX # XXXX XXXX. XXXX  XXXX # XXXX
Product: Debt collection

Numerous calls about the same subject matter. 

Company changed the payment amount.