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

Dear Sir/Madam, I am writing to file a complaint against TransUnion for a potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Specifically, an unauthorized account was reported on my credit report, which I had previously disputed and seen removed. According to the FCRA, I should have been notified in advance if the same account was to be reported again after its removal. However, no such notification was provided.

Most importantly, I wish to emphasize that this account is unauthorized. I have already filed a report with the appropriate authorities regarding this matter. It is deeply concerning that TransUnion may not only be in violation of the FCRA but has also potentially jeopardized my financial reputation by reporting an unauthorized account. 

I kindly request the CFPB to investigate this matter and ensure that such discrepancies are rectified promptly. I trust that the CFPB will take the necessary actions to protect consumers like myself from such negligent reporting. 

Thank you for your attention to this matter.
Product: Credit card

I opened a PayPal credit line to purchase a laptop on XXXX. It was an interest free promotion for 6 months. On the first statement from them, I noticed two interest charges added to my balance. I called and questioned it and they waived them. I got a second statement from them and they charged interest again. When I asked why this continues to happen, the agent declined to provide any explanation and refused to refund the most recent interest charge of {$4.00}, which is why I am contacting the CFPB for resolution.
Product: Mortgage

My wife and I applied for a Home Equity Line of Credit with Wells Fargo Bank. The phone rep, XXXX, obtained all of the information. Based on our mortgage balance and the estimated value of the home as well as income figures, he offered us a loan of {$33000.00} which was more than we were asking for. We lifted the credit freezes we have for protection. Our XXXX scores were above XXXX. Wells Fargo ran our credit reports and denied our request for a HELOC based on Loan to Value. We complained to Wells Fargo that they misrepresented, mislead us and committed fraud. The application should have stopped with the phone rep based on loan to value since he had the figures. The file was re-opened by XXXX XXXX, a supervisor, who said XXXX had entered incorrect figures for income ... he had used net instead of gross amounts. We were then conditionally approved for {$33000.00}. Documents were provided as requested. We were then denied a second time for loan to value and income/debt ratio. We feel that Wells Fargo committed fraud by misrepresentation, was misleading, provided false information to us, and made false statements to us. They had all of the loan to value and income to debt figures when the original and corrected application were submitted. They should have known then and there that we did not meet their criteria for the loan. They should never have run our credit reports based on the information they had. Now our credit reports show a hard hit and a declined credit request. We are asking that the credit hit from Wells Fargo and the declined credit be removed from both of our files.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/year> XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

This company has gotten a response from the data furnisher that is not valid. They are using this response to keep fraudulant and innacurate accounts on my credit report. they have also ignored arbitration letters. These accounts were disputed every XXXX  days for over the past XXXX, FTC and police reports have been mailed to this company. The fraudulant and innacurate account ( s ) were removed from each bureau except this comany. They refuse to provide explanation as they say they do not disclose this information. this is a violation of the FCRA as i have the legal right to know every detail about my personal information. I am asking these accounts be removed once again and one final time or I will seek compensation for each violation done by your company for failing to remove these accounts listed below. 

XXXX XXXX XXXX last XXXX SSN : XXXX Birthdate : XX/XX/XXXX  account : XXXX XXXX  account number : XXXX account : XXXX XXXX account number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX - XXXX, High Balance : {$17000.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX - XXXX, High Balance : {$1000.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX - XXXX, High Balance : {$4300.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$2400.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX - XXXX, High Balance : {$1000.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/XXXXXXXX XXXX XXXX - XXXX, High Balance : {$300.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$300.00}, Last Date of Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

I have tried to cancel my Credit Card with American Express 4 times now and the card is still open. American Express continues to charge me fees when I don't have a balance. Each time they haggle me and pass me off, leave me hold for over an hour. The last 2 times I have called American Express I was on the chat line for over an hour before they agreed to cancel but they did not. In the meantime American Express continues charging me annual fees and interest when I don't even have a balance.
Product: Mortgage

I had a cashier 's check printed from my XXXX XXXX XX/XX/25 for the full payment amount of {$1500.00} and mailed at the post office the same day to my original loan servicer company - XXXXXXXX XXXX XXXX  XXXX. This is per the instructions provided both written in a letter and verbally provided at the closing of the house, I mailed my check to the original servicer for XX/XX/25 payment to be posted when received. This should have posted to the account early and removed a few days worth of interest from the mortgage and interest on the escrow amount. A letter dated XX/XX/25 confirms that payments on or after XX/XX/25 should be sent to the new servicer and that the current servicer is collecting payments. A second letter dated XX/XX/25 stated the opposite that the due date for the first payment on XX/XX/25 should be with the new servicer. Clearly, this was several days after the payment was due. 

The new servicer is Freedom Mortgage and they sent me a letter stating that they had not received payment and that I was late on my mortgage. When I received this letter XX/XX/25, I immediately called them to check on where they payment was. They informed me and I later confirmed with my online account that it had posted XX/XX/25. Furthermore, the new servicer sent a letter dated XX/XX/25 stated that the older servicer would not collect payments after XX/XX/25 - again sent well after the end date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries and a fraudulently opened account currently in collections. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX bank - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
Product: Credit card or prepaid card

This past summer I was approved based upon my credit application and report for two XXXX XXXX Credit Cards. Then suddenly about a week after they closed my account. This institution has given its CSR to close an already established account ( based solely upon my credit history, scores, and other factors ). One of the last conversations I had with them a CSR had trouble pronouncing my name and later in the conversation after discussion of my faith based beliefs the accounts were closed. Me along with over 500 customers were approved for credit to later have their accounts closed for frivolous reasons. For me it was because of too many inquiries and for others the closer of newly opened accounts runs rather quickly and I believe the bank is allowing its credit card representatives to close accounts newly opened. And so XXXX XXXX  continues this distrustful practice of opening accounts and because a person has a different belief close the account and send out a bogus letter of why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Im unaware and had no knowledge of these accounts on my credit report According to these laws 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S 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 reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I had purchased a money order to give to my XXXX XXXX XXXX XXXX i stay in and my complex would not take the money order because it was not the full amount owed. So i decided to write my name on it and deposit it because i was worried i would loose it untill i came up with the full amount owed to them. The bank said bc of that they were investing it fraud and said i had to provide them proof I purchased that money and I provided that proof in person at the bank. I even had to show my id when i purchased this money order. It has been over 2 weeks now I still have not received my money they cutt me off of access my account or being able to pay any of my bills which i have accumilated late fees on and my apts are now about to evict me and my children from our home. I have not even been able to get groceries for my children. They are very rude when i call and they keep coming up with new excuses now they are saying they have to investigate a XXXX XXXX i got back in XXXX from my boss and that is the NEW reasoning i have not received my money. Last i got into my acct they have also removed every XXXX i had in there. This has caused alot of issue and extra fees I am dealing with and going to struggle to catch up on and pay. I have shown my proof and there should be no reason I do not have my money and absolutely no reason they removed every dime out of my acct. I now know i should not write over who i originally wrote the money order out to but like i said i have shown my proof so i should have my money and not be behind on bills and about to be getting evicted at all. Thank you.
Product: Credit reporting or other personal consumer reports

I did my research with the fair credit reporting act and XXXX XXXX XXXX I have no account number with them cause I never did business with them, has violated my rights. The following laws : 15 U.S.C 1681 section 602 A State I have a right privacy.

15 U.S C 1681 Section 604 A section 2 : a consumer reporting agency can not furnish an account without my written permission.
Product: Debt collection

*Cavalry SPV I, LLC Violated/failed to respond Texas finance 392.202.

*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE.

# # Complaints, As of today XX/XX/191. Cavalry SPV I , LLC didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports.

3. Didn't request dispute but Cavalry mark trade lines as dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure timely payments.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, Experian reports a 30-day late payment for XX/XX/year> on my XXXX XXXX account. My payment records confirm a consistent history of on-time payments due to my autopay enrollment, and I have not missed any payment obligations. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments. 
Payment History : This account history reflects a consistent record of timely payments. However, XXXX report erroneously lists 30-day late entries for XX/XX/year> and XX/XX/year>. Additional 30-day late entries are also incorrectly reported for XX/XX/year> with both Experian and XXXX. My autopay setup ensures on-time payments for all accounts, and my records substantiate a perfect history of timely payments. 
Attachments : A copy of my government-issued ID Social Security verification My latest account statement from XXXX XXXX showing payment status I expect to receive written confirmation of the removal of this erroneous late payment entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

I received an email from Aidvantage on XX/XX/XXXX that I have a payment of {$1400.00} due on XX/XX/XXXX. When I logged into my Advanage account it said that my loan payment was past due. I did not even get an email before saying that my payment was due, so now I have late charges and have to pay the amount. I've never been late making payments on my student loan. Why would I only get an email after my balance is past due instead of before? I called in and talked to rep XXXX XXXX. I told her what was going on and she said since I requested a refund the system will start charging me my balance and said that if I want my balance put in the COVID forbearance I need to tell them. I said that it was illegal for them to charge me fees and payments because of the forbearance and that it was still in effect. She apologized and put in my request and said that it would take 24 to 48 hours to take effect. So, I had to make a payment of {$1600.00} on XX/XX/XXXX to keep my account in good standing. I don't know how this could happen considering the payment pause has been in effect since XXXX XXXX XXXX -- three years ago. I was in forbearance before I was transferred from XXXX and at no point have I ever requested that it be removed. It even states in a big bold banner on Aidvantage 's website that we are in a forbearance period.
Product: Checking or savings account

I have a checking account at Bank Of America. I made 3 transfers of my savings from XXXX to the USA, from this date the account was blocked. I have called the customer service, claims and fraud phone number monthly, and on no occasion was it possible to unblock the account. On all occasions I am told that they can not access the account, to call 72 hours later. Today, after speaking for 3 hours with the Department, the Fraud Department told me that it can not unlock the account and they recommended that I close it. They themselves passed me to customer service, who told me that they can't close the account because they don't have access to it. Therefore I have no solution and they have my money withheld. I have authenticated myself with passport number, telephone, email and address every time. I need a solution to my case. I can not attend the offices in the USA since I am XXXX, I need a XXXX, my current XXXX has expired, and my new XXXX  appointment is here in XXXX for 2024.
Product: Vehicle loan or lease

In XXXX, I lease an XXXX XXXX and the financing for the lease was through XXXX XXXX XXXX. In XX/XX/XXXX, I traded-in the XXXX and started a new lease for a XXXX XXXX XXXX. The paperwork was finalized and I owed nothing on the lease and only owed my first month payment at signing. The paperwork was finalized and XXXX XXXX XXXX took back the XXXX XXXX XXXX. The first week of XX/XX/XXXX, I received a notice that my XXXX XXXX payment was late. This car had been purchased back by XXXX XXXX XXXX several weeks earlier in exchange for my new lease XXXX XXXX. I tell XXXX XXXX XXXX the situation and they state that XXXX XXXX XXXX in XXXX Texas has not sent them the payoff. They have had the car for about a month at this point and I have no possession and have traded it back to them via all paperwork that was signed XX/XX/XXXX when XXXX XXXX was purchased. XXXX XXXX XXXX in XXXX Texas tells me that they are backed up getting the payoff information to XXXX XXXX XXXX. I ask them if this will be reported to the Credit Bureaus. I can not get a confirmation that this will not be reported to the bureaus since I do not own the car any longer and XXXX XXXX XXXX is slow to get the payoff to XXXX XXXX I continue to get late notices from XXXX XXXX XXXX even though I have told them XXXX XXXX XXXX has possession of the vehicle and I traded it back to them with the purchase of my new vehicle. I am now in the process of trying to figure out if the late payments have been reported to the Credit Bureaus and to dispute the information if necessary. Due to XXXX XXXX XXXX 's negligence my credit history my be at risk. This is an issue that others considering lease financing and working with XXXX XXXX XXXX XXXX need to be aware of in the future.
Product: Checking or savings account

I sent 4 emails to ask Robin Hood to close my account and transfer balance out to a bank account. They never replied nor help. No Customer Service phone number is available.
Product: Debt collection

This company called portofolio recovery keeps calling my cell number with different numbers every day about 3 to 4 times a day I do not have A medical debt with them they keep asking for A XXXX XXXX XXXX and I have told them you got the wrong number and then they get rude with me and I end up hanging up I want it to stop please