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

Please see attached document ( XXXX pages ). I have sent to CFPB & Transunion. 

Transunion has continually used old outdated information that is proven as fraud or inaccurate reselling this old data and providing it to creditors. The data reappears or never goes away. In addition, they also hugely have disrupted my personal & business life by providing inaccurate data and violating several laws. I also had a private attorney write them in the past and this data is still existing on the credit report. 

I would like to collect monies from damages they have caused & also would like for them to be fined as you feel fit. 

They were notified of the data issues in XXXX & continue to violate. 

There are several issues and law violations that I would like settlement on : XXXX ) Inaccurate Data Reporting - XXXX XXXX XXXX Account XXXX ) Inaccurate Data Reporting - XXXX XXXX Account XXXX ) Inaccurate Data Reporting - Addresses/Fraud ( requested removal ) The addresses that are not associated with me are : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Arizona XXXX XXXX they were notified of this in XXXX, XXXX & XXXX )
Product: Vehicle loan or lease

On XX/XX/2018, in anticipation of paying off my auto loan with XXXX XXXX XXXX, I updated my address in their online account management system. On XX/XX/2018, I paid the balance of this loan on their online system. On XX/XX/2018 I still had not received my title in the mail. I called their customer service line at ( XXXX ) XXXX and was notified that my title had been mailed to the wrong address. I was placed on hold for over 30 minutes. The customer service representative acknowledged that the title was mailed to the wrong address. I was then told I would have to go to the DMV for my title. The customer service rep mentioned I would be " reimbursed '' but did not have any details regarding how this would be accomplished. It is my understanding that as the lienholder, they must be the ones to apply for the new title, so I do not know how I can get this from the DMV.

Considering how difficult it was just to get information from them on the phone, I do not have any confidence that I will be able to get my title or get reimbursed. Further, how will they reimburse me for the time I have to take off of work and the inconvenience of visiting a DMV? How will I be reimbursed for the hours I spend on the phone with this company? It is not my duty to obtain this title - they need to send it to me. They need to go to the DMV and sit and wait and waste all day and send my title to the correct address. Further, they are not taking any action regarding the fact that the title was mailed out to the incorrect address and could now be in the hands of the incorrect car owner. 

While on hold with XXXX XXXX XXXX on XX/XX/2018, my account was updated to reflect that I am owed a refund in the amount of {$2.00} since XX/XX/2018. This money has not been remitt4ed to me to date.
Product: Payday loan, title loan, or personal loan

Hi, Credit Acceptance in In XX/XX/2019 The company a Reprocessmy car and I Paid the company online 2 weeks before I did not call them back because they harassed me and went therefore say you have to pay and I was explaining my situation When I didn't call them to make more payment arrangements so did decided to take the
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear EXPERIAN, I am writing to formally dispute the following inaccurate information on my credit report. The items listed below are incorrect and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

The disputed items are as follows : - Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, the following sections have been violated : XXXX. XXXX15 U.S.C 1681 Section 602** : This section states that I have the right to privacy. The inclusion of the above-mentioned items on my credit report is a direct violation of my privacy rights.

2. **15 U.S.C 1681 Section 604 ( a ) ( 2 ) ** : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not provided written instructions for the reporting of these items.

3. **15 U.S.C 1666b** : Under this section, 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 late payments listed on my report are therefore incorrect and should be removed immediately. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I incurred a medical charge to XXXX XXXX in early XXXX in the amount of {$70.00}. At the time I was living on a boat and getting mail at the marina. 

In XXXX of XXXX I moved to land, and not all of my mail was properly forwarded. I never went back to XXXX XXXX, and I learned of the charge the following year. 

In XXXX of XXXX, I sent XXXX XXXX a check in payment of the charge in the amount of {$70.00}. This check was cashed by XXXX XXXX in payment of the debt. 

XXXX  credit reports refuses to take this charge off of my credit report, as the collecting agency, TSC Accounts  Receivable So, XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX, ( XXXX ) XXXX claims that I still owe XXXX XXXX {$90.00}. This claim is false, I paid the charges in XXXX of XXXX and my check was cashed by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I leased a vehicle with Mercedes-Benz credit XX/XX/XXXXXXXX  for 30 months, ending XX/XX/XXXX. Vehicle was paid on time during the term, during Covid-19 I requested a payment extension as I lost my job and was unable to continue making payment ts on the lease. My lease was extended for 6 months and I begun payments again XXXX of XXXX. XX/XX/XXXXXXXX   vehicle was inspected at my home because lease was ending XX/XX/XXXX. Vehicle was picked up at home XX/XX/XXXXXXXX   end of lease and a month later I received a letter to pay {$6500.00} for mileage after inspection and fees that didn't apply. I contacted Mercedes-Benz Financial and they sent me a letter with a XXXX balance and I have send it to the credit bureau numerous of times and they fail to remove it from my credit and is causing a negative impact in my credit unable to lease or finance a vehicle and I need this removed immediately so I can lease a car to commute to work.
Product: Credit card or prepaid card

XX/XX/XXXX/XXXX : I called creditor ( Capital One ], requesting a new card ( mine is missing and also told the customer svc rep ( XXXX-sp? ) I needed to bring my account balance current. She informed me that I would need to call back after XXXX the next day ( XX/XX/XXXX ) when the payment clears and I could get a new card issued. My payment of {$450.00} ( I was only asked to pay {$130.00}, the amount past due ) cleared immediately. The payment confirmation # is XXXX. 
XX/XX/XXXX/XXXX : I called Capital One to request my replacement card and was informed that my account was restricted and I was not able to get a card. He confirmed my payment had indeed cleared but I could still not get a replacement card. He transferred me to an account Mgr who confirmed I could not get one. I would have made the minimum payment and saved the other {$300.00} for an emergency as my husband is currently on SSI. The Mgr is XXXX and his badge # is XXXX. He even put me on hold for @ 3 minutes returning to say he tried but there was nothing he could do. He said if there is ever an offer for restricted cards, I'd be notified but there is no offers at this time.
Product: Credit card or prepaid card

I have a Caesars Credit card through Comenity. I have been trying to get access to my account for a week now and can not. The company is " undergoing maintenace '' and does not allow access to the online portal. I also was calling daily for information and nothing could be given over the phone as well and cant even make payments. Now when I call the service has been turned off " due to unforseen circumstances. I do see hundreds and hundreds of people dealing with this also. Its a nightmare working with this company. I have been in retail for over 20 years and never dealt with such horrible customer service and to not get an email or phone call before this is just wrong. I feel the company is being decietful. 
Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized credit inquiries made to my credit report. I have discovered several inquiries that I did not approve or authorize, and I am unfamiliar with the companies involved. Additionally, I believe that the credit reporting agencies have shared my personal credit information without my consent. 

The following unauthorized inquiries were made to my credit report : XXXX. XXXX XXXX - Date : XX/XX/year>- XXXX XXXX : TransUnion 2. XXXX XXXX XXXX- Date : XX/XX/year> - Reporting Agency : TransUnion I have not applied for credit with any of these companies, nor have I given them permission to access my credit report. I am concerned that my personal information has been shared without my consent, which is a violation of my rights under the Fair Credit Reporting Act. 

I kindly request that your office investigate this matter and take appropriate action to ensure that my rights are protected. I would also appreciate any guidance on how to address and resolve this issue with the relevant credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days 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. XXXX XXXX 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 8
Product: Money transfer, virtual currency, or money service

Someone has stolen my identity to open check and saving account and using for illegal activities
Product: Checking or savings account

I was involved in a settlement and I never received my part of the settlement.
Product: Debt collection

I became extremely sick in college a few years back. I had to go and get many test done to figure out what was wrong with me. i paid off every single bill that i had accrued because of this sickness. Almost {$10000.00} dollars. I never remember receiving communication from the hospital in regards to a bill that i had owed. otherwise, i would have had no problem paying this. It must have slipped through the cracks with all the mail i was getting. I paid the debt off instantly as soon as it went to collections. I tried to call the bank to get it removed and they wouldn't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about XXXX XXXX 's potentially illegal practices and horrific customer service regarding me and my husband 's ( XXXX XXXX and XXXX XXXX ) mortgage on our property at XXXX XXXX XXXX, XXXX, VA XXXX. 

Both of our XXXX  and Equifax credit reports ( as of XX/XX/XXXX and XX/XX/XXXX respectively ) have our mortgage account for XXXX  listed as delinquent. There is no such error and all payments were made as scheduled ; XXXX XXXX XXXX received the full payment I made for XXXX ( which was due on XX/XX/XXXX ) on XX/XX/XXXX ( see explanation below ). My husband and I have attempted to contact XXXX about this via email numerous times throughout XXXX and XXXX ( case number XXXX ) and never received an email response. We also spoke to the company several times on the phone and were informed that everything was marked as paid and that all was fine. Customer service told us they would be sending a letter confirming this but we never got one. 

In XXXX, we received a letter from XXXX XXXX XXXX stating that our mortgage was being transferred to XXXX XXXX as of XX/XX/2019. We had automatic deduction payments set up for the first of every month. Our XXXX payment, which was due XX/XX/XXXX, was deducted from our bank account on XXXX XXXXafter the transfer had already occurredbecause XX/XX/XXXX fell on a Sunday and the next day was a holiday. Our XXXX account did not reflect this payment having been received, probably because XXXX had already fully transferred the mortgage to XXXX XXXX. Im enclosing a letter from our bank, XXXX, confirming that our full mortgage payment plus an additional {$100.00} to principal ( total of {$3000.00} ) was deducted and sent to XXXX on XX/XX/XXXX. XXXX then did send that money to XXXX XXXX, which was credited to our account in early XXXX. Were also enclosing proof of that transaction. The supposed delinquent payment also occurred during the 60 day window when transferring to a new mortgage provider, where XXXX should have not been legally allowed to report anything as delinquent. Nevertheless, this happened, our credit scores have dropped over 100 points, and all while we have shown them proof of payment over two months ago. 

Given our pristine credit reports ( never missed one payment on anything ), the fact that XXXX did deduct this payment as scheduled ( see proof of payment ), and our numerous attempts to contact the company and resolve this issue for the last two months, we would like these derogatory remarks to be removed from our credit reports immediately. We have disputed these payments with the credit bureaus. We have also reached out to XXXX again as well to attempt to resolve this dispute, but have seen hundreds of complaints from other customers in these exact situations who say that the issue has never been resolved to the detriment of their credit long-term. We are concerned that we are similarly falling victim to this company with very malicious business practices.
Product: Credit card or prepaid card

Hello, I am reaching out as a somewhat last resort. I have a PA Way2Go ( prior PA Eppicard ) that is expiring in 2 weeks XX/XX/2023. I simply need my new card. 

I have attempted to contact the Way2Go customer service line ( I don't know if anyone at your organization has attempted to navigate that otherwise worthless phone system ) but it's circular and provides NO option to speak with anyone -- and if you try to re-route in the phone system itself it will constantly hang up on you. 

Additionally, I have reviewed the program documentation in detail ( since the Bank that the accounts sit in is provided through Conduent ), neither PA Way to Go or Conduent provide any email or general service mailboxes to send inquires and requests. There are 2 service center phone numbers that operate identically ( see my comment above ) -- this has got to be the worst oversight/customer service for a program that spans the entire state. 

Can someone there help to put me in touch with someone for my new/updated card? There is actually NO OPTION in the phone system for a card except to cancel or report one stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute letters to address inaccurate reporting on my credit report to Transunion in XX/XX/2022, XX/XX/2022, and XX/XX/2022. In all those events, Transunion claimed I was using a credit repair service and did not really look into my disputes. These inaccurate items on my credit are affecting my credit negatively and this needs to be taken care of immediately! I demand Transunion to act accordingly and respect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE REPORTING ON XXXX XXXX XXXX ( ACCT # XXXX ) IS INACCURATE AND INCOMPLETE. THE COLLECTION AND REPORTING HISTORY STOPS AND STARTS SPORADICALLY THROUGHOUT THE LAST 7 YEARS ; AND HAS BEEN ENTIRELY DELETED FROM XXXX THROUGH XXXX. THE DATE OF FIRST DELINQUENCY HAS BEEN DELETED AND/OR MANIPULATED BY XXXX XXXX XXXX XXXX XXXX TO EXTEND THE 7 YEAR STATUTE OF LIMITATIONS OF REPORTING WHICH IS AGAINST SECTION ( S ) 623 ( A ) ( 3 ) & 623 ( A ) ( 5 ) OF THE FAIR CREDIT REPORTING ACT. THE DATE OF FIRST DELINQUINCY IS XXXX OF XXXX MEANING THIS ACCOUNT HAS BEEN REPORTING ON MY EQUIFAX REPORT FOR MORE THAN 7 YEARS. 

EQUIFAX HAS FLAGGED AND/OR BLOCKED FUTHER DISPUTES ON THIS XXXX XXXX XXXX ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The week oXX/XX/XXXX I sent Transunion a dipute in reguards to XXXX and XXXX XXXX. These collections were deleted onXX/XX/XXXX than added back some time inXX/XX/XXXX. I did n't receive a written notification no later than 5 days after the these four accounts were reinstated
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items listed in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which are being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card

My information was heisted and this account is fraudulent and does not belong to me. I did not obtain any goods or services from his merchant or authorize the opening of this account. I would like this account to be completely removed from my credit report on all three credit bureaus.
Product: Credit card

I called my credit card company to add my husband on my XXXX as an authorized user and not a co-owner. The credit card company refused because I would not give them his social security number. I offered any other find of proof and they still refused. I informed them that under The Fair Credit Reporting Act it was unlawful to deny my request. Their supervisor, XXXX XXXX XXXX # XXXX still refused. Can you help me?
Product: Money transfer, virtual currency, or money service

Im writing this to formally express my concerns regarding Zelles handling of disputes particularly in the light of CFPB lawsuit highlighting significant issues with the platform. My financial institution and Zelle failed to adequately investigate any of my claims adequately when reporting discrepancies numerous times. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but allowed repeat offenders to exploit the system and leave consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Unauthorized inquity XXXX XXXX Date of iniquity : XX/XX/XXXX Unauthorized inquity XXXX XXXX XXXX Date of XXXX Unauthorized inquity XXXX XXXXXXXX XXXX Date of iniquity : XX/XX/XXXX Unauthorized inquiry XXXX XXXX  Date of iniquity : XX/XX/XXXX Unauthorized inquiry XXXX  XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Unauthorized inquiry XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX Unauthorized inquiry TRANSUNION INTERACTIVE Date of inquiry : XX/XX/XXXX Unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XX/XX/XXXX Unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX, XX/XX/XXXX Unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX, XX/XX/XXXX Unauthorized inquiry XXXXXXXX Date of inquiry : XX/XX/XXXX, XX/XX/XXXX Unauthorized inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Spoke with MIDLAND CREDIT MANAGEMENT in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Student loan

The school I went to was XXXX XXXX XXXX and they closed all of their North American schools due to false claims and wrongfully higher loans with XXXX XXXX. I have over XXXX dollars in student loan debt and non of my credits for my XXXX can be transferred to any school. This was a scam and they should be ashamed of lying to their students.
Product: Checking or savings account

Wells Fargo sent a letter stating they owe me {$150.00} but never send check-I 've called 5 times.