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

On XX/XX/year>, I mailed a formal dispute letter to TransUnion requesting a thorough investigation into inaccurate items appearing on my credit report. Additionally, I disputed incorrect personal information listed in my report. To facilitate TransUnion 's verification of my identity and address, I enclosed a copy of my photo ID, Social Security card, and a recent bank statement reflecting my current address. 
On XX/XX/year>, I received a response from TransUnion stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is in direct contradiction to my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that if a consumer disputes the accuracy or completeness of any item of information within their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion 's refusal to process my legitimate requestdespite receiving the necessary verification documentationdemonstrates a failure to meet this obligation. 
TransUnions lack of action has effectively denied me the right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my rights under the FCRA is both frustrating and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax took my previous address from 2013 and made it my current address, my current address is now showing up as a previous address, I 'm trying to refinance my mortgage and it is creating a huge problem. I tried the online dispute form and it stated my information does not match, I tried calling, was sent to XXXX where they explain I needed to use the online form.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete certain inquiries from my consumer report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2.

I have identified the following inquiries on my consumer report as the result of identity theft and not transactions initiated or authorized by me : Listed in FTC Report In compliance with the requirements of 15 U.S.C. 1681c-2, I am providing the following documents and information : Proof of my identity A copy of the identity theft report Identification of the specific information : A statement declaring the inquiries are not authorized by me : I hereby affirm that these inquiries were not made by me or authorized by me in any capacity. 

Under 15 U.S.C. 1681c-2, you are required to block the reporting of this information within four ( 4 ) business days of receiving this request and the accompanying documentation.

Additionally, I wish to remind you of your obligations under 15 U.S.C. 1681n. Any willful non-compliance with these requirements can subject your agency to liability, including actual damages or statutory damages ranging from {$100.00} to {$1000.00} per violation, as well as punitive damages and attorneys fees. 

Please confirm in writing that you have received this request and that the inquiries have been blocked and removed from my consumer report. I request a confirmation letter within 30 days of this correspondence.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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. 

This company 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 card or prepaid card

Re : Bank of America Cash Rewards Credit Card I signed up for a Bank of America 's Cash Rewards Credit Card because their Ads state, " {$200.00} online cash rewards bonus if you make at least {$500.00} in purchases in the first 90 days of account opening. '' I opened up the account over the phone in XX/XX/2018, made all applicable purchases within the given time frame, and paid my bills in a timely matter. I waited 3, 4, 5 months, and I never received a bonus. I called BofA to check on the status, and they informed me that I do not qualify for the bonus because I didn't apply ONLINE. I, along with a lot of other consumers am baffled by this. Please refer to their website : XXXX XXXX XXXX Nowhere next to the statement " {$200.00} online cash rewards bonus if you make at least {$500.00} in purchases in the first 90 days of account opening '' does it mention " account opening ONLINE ONLY '' or an " * '' noting conditions voiding phone applications. This is really misleading to the average person. I opened up the account because of the bonus offer. I feel like this is a nasty bait and switch scheme Bank of America is  playing with the general population. 

Please note, at the time of application I was not able to complete the online form due to my circumstances at the moment -- thus I had to apply over the phone as it was more convenient for me. This is discrimination for those that are incapable of applying online.
Product: Credit card

In accordance with the Fair Credit Reporting Act COMENITYBANK/COMENITY CARD Acct # XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Vehicle loan or lease

Urgent Request for Car Release and Fee Refund Dear Ally Financial and Dezba Recovery, I am writing to follow up on my previous correspondence regarding the unlawful repossession of my vehicle on XX/XX/year>, and to reiterate my request for immediate action to resolve this matter. As stated in my previous letter, I believe that the repossession was conducted without proper legal procedures and in violation of my rights as a consumer. 

I am currently waiting for the release of my car and the refund of the excessive fees that were applied to my account following the repossession. It has been several days since I submitted my previous letter, and I have yet to receive any acknowledgment or confirmation regarding the status of my requests. 

Attached to this email, you will find the letter I received from Ally Financial, which further outlines my concerns and the actions I expect to be taken. I urge you to review this document and respond promptly, as the situation is causing me significant stress and financial hardship. 

To reiterate, I am requesting the following : 1. The immediate release of my vehicle.

2. A full refund of all fees associated with the unlawful repossession.

3. Written confirmation of the removal of any negative marks from my credit report related to this incident.

4. The movement of four payments toward the end of my contract to assist with my financial difficulties.

5. A written apology for the mishandling of my account and personal information. 

I kindly request that you acknowledge receipt of this email within three business days and provide me with a timeline for resolving these issues. If I do not receive a satisfactory response within this timeframe, I will have no choice but to escalate the matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Credit reporting

Did not provide validation that is competent evidence bearing my signature. No evidence showing contractual obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One I am having a problem with XXXX reporting information XXXX late for this account on XX/XX/2022. XXXX and XXXX are reporting the information correctly reflective of NO late payments. 

I have reached out to the creditor previously and the information was updated for XXXX, and XXXX. I would like to have this corrected as stated No Late Payments for XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Facts : XXXX The credit reporting agencies has illegally included information on the credit reports. 

Law : *According to the Fair Credit Reporting Act, Section 15 USC 1681a under the Exclusion Section number B anything that was extended or authorized on credit card will be excluded from the consumer report. Credit Card Any card plate or coupon book existing for the purpose of obtaining money property labor services on credit. Remove these accounts, If not you are civilly liable for reporting misinformation, it is also inaccurate.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I requested a 6 month forbearance with M & T bank, it was extended for another 3 months. I advised M & T Bank in XX/XX/XXXX, I was able to resume making payments and requested a loan modification. On XX/XX/XXXX, I submitted the information requested by M & T Bank of NY, which was a modification statement, stating that I am the sole owner of my property, that my property is tenant-occupied and my tenant was impacted by Covid 19. 

XX/XX/XXXX, M & T Bank sent documentation with the terms of my modification and a statement that I would receive the documentation within 30 days. It is going to be sixty days soon. 

Here it is XX/XX/XXXX and I still do not have any paperwork with the terms of the loan modification, although, I received documentation on XXXX and I was told recently on XXXX that this was completed. My frustration is that I'm being asked to make monthly payment via phone as oppose to having the option to pay online. I'm called weekly to ask for payment arrangements and I can not make any payments online, only via the phone.
Product: Debt collection

Im already been sued by the credit card company and I called to make a payment arrangement based on my situation but it was rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a collection charge off reported on XXXX XXXX  for an AUTO LEASE with Transunion, XXXX and XXXX. This is outdated and incorrect.
Product: Checking or savings account

I purchased hotel package with a third party XXXX XXXX. Their policy was no refunds, however they canceled the main event and there is 14 day quarantine if you travel to XXXX XXXX due to Covid 19. I disputed this matter with my bank however they denied my claim. I had until XX/XX/2020 to reschedule my trip, but it takes 90 days to dispute a claim. I was unable to reschedule my trip due to me being a XXXX XXXX at a XXXX I am an essential worker and I wont be able to reschedule due to my XXXX policy. My job goes by seniority I wont be able to put in my time off until next year. Now my bank allowed this company to take XXXX from me. I paid for a trip that I didnt receive and now they got away with my money. Can you please help me. Thanks sincerely XXXX XXXX.
Product: Debt collection

My XXXX XXXX XXXX XXXX was used by thieves.i did not authorize the charges, and was unaware until i received my statement.when i received my statement it was for $ XXXX called the man and told them and they said i would have to pay the {$100.00} i was not disputing.i paid the {$100.00} asper the XXXX XXXX rep.he told me i was not responsible for the {$490.00} and they would issue me a new card.one week later i received a collection call from Resurgent Receivables. i told the rep the story and i was told that i had to pay or it would sting my credit.I said no way was i paying for something that was not mine.They told me i could pay half and settle but that too was bad for my credit, i said no.This has been going on for almost 2 years to no avail.Please help me..i have excellent credit and always pay my bills.Thank you in advance.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights under the following : XXXX5 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, 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. 

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 XXXX years. 

15 U.S.C. 16815-2 ( 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: Checking or savings account

My name is XXXX XXXX and the email address associated with my Square account is XXXX I set up a XXXX  and used Square to process payment for my XXXX. 

All of a sudden my account was deactivated by Square and my funds were held.

Square told me the date for availability of funds but they never kept to their word as they kept postponing it. When I reached out to Square, I was told that due to the disputes on my account they would hold my funds for extra 30 days. 

The balance on my account held by Square is {$4400.00} All disputes associated with my Square account were closed on XXXX XXXX XXXX but up till now Square has refused giving me my money. I will attach a screenshot of my account showing that disputes were closed over 90 days ago I have tried to resolve this with Square but they are not responding to me. I contacted Square a month ago and they refused responding to me, I also contacted them again twice today and they haven't responded.

Because of this, I am filling this complaint to enable me have access to my money from Square
Product: Checking or savings account

Wells fargo lost my wallet seen old man watching ne didnt think nothing about it then lost wallet next day I have a XXXX withdraw that didnt fo now my pin is on my another card but in the numbers it's not written down they even stated that even though it wasnt me that took the money they got my pin right first time probley cause dude wat had me now they will not give me my money back and I'm out XXXX wells fargo XXXX I want even at the bank that day so this is wrong and I shouldnt ne held accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened XX/XX/16, {$610.00} XXXX XXXX XXXX, {$3700.00} XXXX XXXX XXXX {$9800.00} These collection accounts do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX-branded credit card was moved from XXXXXXXX XXXX to  XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an alleged debt for which I have received separate collection attempts from both FMS, INC and XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., it is unlawful for two separate entities to pursue collection on the same alleged debt without a valid explanation or legal authority. Furthermore, I did not provide consent for my personal information to be shared, disclosed, or transferred between your companies, in violation of my rights under consumer privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The unauthorized sharing of my personal information constitutes a serious breach of privacy and legal compliance.

I demand immediate clarification and resolution of this matter. Specifically, I require a detailed and itemized validation of this alleged debt, including the name of the original creditor, the amount claimed, and proof that either FMS, INC or XXXX XXXX XXXX XXXX has the legal authority to collect this debt. Additionally, I require an explanation of how my personal information was obtained, whether it was shared or transferred between your companies, and proof of my explicit consent to such an exchange. Until this dispute is fully resolved, I demand that all collection activities cease immediately. 


I expect your immediate attention to this matter and a written response from both FMS, INC and XXXX XXXX XXXX XXXX within 30 days. Failure to respond or continued unlawful collection practices will result in immediate escalation to the fullest extent permitted by law.
Product: Credit reporting or other personal consumer reports

recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain. I haven't received the results insisted upon although I know that you've been receiving the letters sent.