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

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

I am demanding a response, and if i don't receive one then i am making a complaint with the CFPB, FTC, Attorney General Office and whoever else i need to contact to get this matter resolve.

I want all charge offs and all late payments removed off my credit report and these accounts are subject to litigation.

You're also in violation of 15 US 1666 ( b ) -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am very embarrass that you would insult my character and report such misleading things, i will be contacting my lawyers for defamation of character if these matters dont get resolve. I am demanding you remove these late payments from my credit report within XXXX hours receiving this letter. The concerning accounts are listed below as a consumer again i demand the removal of these late payments.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject tosection 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations.

4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting

I am a victim of ID Theft and I am asking for help with disputing negative items that are on my credit file. I owe students loans without a certification and I am XXXX years of age. I have consolidated my school loans to have additional negative items added to my file. When the closed accounts are opened one can see that it is closed and transferred to XXXX account through consolidation. I have been turned down for credit because of this action and have to dispute with help. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. When I look at the good accounts there shows the accounts all in consolidation. I am very concerned and I would appreciate an investigation and a letter of proof showing the investigation. I thank you so much for acknowledging my queries.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
A merchant can not charge a debit card or a credit card without your permission they are situations where merchants may put through a charge, but they are rare and usually involve other issues. On XX/XX/XXXX and XXXX, a person from XXXX contacted me via email. Since directly after speaking with him, my credit card was charged using a card that I use for a one-time payment in XX/XX/2019. With that said, I provided zero account information during our conversation. I requested from him to tell me exactly what he needed from me in writing. Since none of my account information was needed from XXXX to charge my personal credit card. 
I demand the following collection account be verified or removed immediately Name of Account Account Number Provide Physical Verification I C SYSTEM 11 XXXX Unverified Account
Product: Mortgage

I had applied for a loan modification with Ocwen in XXXX of XXXX, and I was approved for a loan modification with 3 trial payments, I was approved for a Principal reduction for {$150000.00} that was to be given in 3 parts over the next 3 years, I completed my trial payments in the month of XXXX as planned, and I was told by Ocwen that I would receive an agreement to sign and return, I waited for the agreement for the whole month of XXXX, and no agreement ever came, made repeated calls and asked them to send me the agreement and they just made me wait each time, I even tried making payments during this time but Ocwen would not accept my payments, they kept saying that they won't accept any payments until and unless they have received a signed agreement, and finally they sent me an agreement on XX/XX/XXXX of XXXX, I returned the signed agreement the same day and cleared all the missed payments as soon as they received the agreement. 

I have been fighting Ocwen and now PHH ( as they were taken over by PHH in XXXX ), but I have been turned down the {$150000.00} without any mistake of mine, I need PHH to correct their mistake and give me my {$150000.00} discount as I have never been late on my mortgage ever since.
Product: Debt collection

Today, XXXX XXXX I found that part of my pay had been garnished by Transworld System. I have not received any phone calls or letters by this company before my wages were garnished. I did owe some money to the XXXX XXXX XXXX XXXX in XXXX but that was charged off and wipe from my credit report in XXXX. Also I was paying my taxes to California at that time and the statues of limitation for a company to sue for a debt is four years in California. right? Today, when I spoke with a company rep from Transworld, he said that they talk to me in XX/XX/XXXX about this debt but I was deployed to XXXX, XXXX with my family. So how did I talk to them while I was overseas. I disputed the charges with the company but the rep said they are still gon na take money from my check each month. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response on XX/XX/18 CNU ( Cash NET USA ) Stop creating lies that you confused me with another XXXX XXXX and the XXXX. I don't want no loan or on line loans from you or your scams to defraud people with your high interest rates. I have not applied nor gave you permission to. I'm on OPT- OUT with all 3 Credit Bureaus or any other companies running other names or business link to any of the credit bureaus. I'm not getting a police report due to the fact of Cash Net USA fraud and deceit. I have filed with the US Attorney Office for complaints on Cash NET USA. Stop harassing me on your loans/ on line loans for something I have not applied for nor giving you permission. I don't want to call you crooks for nothing nor do I want to here from you or your tricks. Keep what ever XXXX your offering and leave me alone. Stop with the scams how you obtain my information. My next step will be to file a law suit on Cash Net USA and any other party within the scam.
Product: Credit card or prepaid card

I was charged a {$40.00} late fee on my Capital One Credit Card on XX/XX/2023. 

My due date was XX/XX/XXXX, and I have made 2 payments on the XXXX. A payment of {$94.00} ( minimum required ) + a payment of {$100.00}. The first payment was made online, and the second payment was made over the phone with a Capital One employee. 

I called Capital One about this fee, and they said they charged me because it is their policy to consider any payment made after XXXX " late ''. My first payment was made at XXXX according to them. And the second payment after XXXX. 

Capital One is refusing to remove the fee. I would like to dispute this charge because it is unfair given the fact that I made my payments on the XXXX. 

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

XXXX XXXX XXXX DOB:XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE :XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX -  XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

transuion XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX Construction XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX  I didn't authorize these inquiries and I've ask them to remove the and they will not
Product: Debt collection

On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the XXXX XXXX XXXX. I was given Ticket number : XXXX regarding my call and inquiry. 
She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. 

Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : DNF ASSOCIATES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 

This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX  and XXXX  and none of these amounts are familiar to me.
Product: Credit card or prepaid card

Re : Notice of disputed charge to Account No. XXXX XXXX XXXX XXXX To whom it may concern I am writing to dispute a charge of {$1400.00} to my credit card account on XX/XX/2022. The charge is in error because, I was scammed through a phishing scam. Someone claiming to be my boss asked me to purchase gift cards on their behalf and when I realized it was fake it was too late. I tried to return, stop charges but they had already spent the cards. I've filed a police report, contacted credit card company, XXXX, XXXX and XXXX to try to get support against the scam. Unfortunately, Chase Bank will not allow me to dispute the transaction because although I was scammed, they are not willing to allow for a dispute. The txt person/scammer did promise to refund my money but it's a dead end. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

I had three charges made to my account {$500.00}, {$500.00}, {$400.00}. Please help me get back my money
Product: Checking or savings account

To Whom It May Concern : I am asking for assistance and for a resolution with Chase Bank account number XXXX in the amount of approximately {$9200.00}. 
On XX/XX/XXXX, my mother XXXX XXXX XXXX passed away. Almost exactly one year later, on XX/XX/XXXX, my grandmother, XXXX XXXX XXXX passed away. My grandmother had a trust and a will ( which I am providing ). According to both the last will and testament and to the trust everything was to be split amongst her three children in equal shares, per stirpes. However, my mother passed away before my grandmother and I am an only child. Therefore, I am entitled to my mothers 1/3. The only issue is Chase Bank. I have attempted to request the remaining approximate {$9300.00} from Chase Bank several times now and provided all of the required documentation and they are refusing to cooperate. Chase Bank is stating that since my mother passed away one year prior to my grandmother than this account should have been split 50/50 between her XXXX siblings and into XXXX. However, when my mothers siblings XXXX XXXX and XXXX XXXX went into Chase Bank XXXX Chase Bank paid them each XXXX of the account balance at the time ( approximately {$27000.00} ) and withheld the remaining XXXX. Therefore voiding any policies that they have in place. So, I am therefore entitled to the remaining XXXX that was for my mother, XXXX XXXX XXXX XXXX XXXX as the beneficiary XXXX 
I ask for your immediate assistance with this urgent matter, as Chase Bank has been impossible to deal with. Everyone I speak to gives me different answers and different reasons as to why this is still ongoing and why they can not give me this money. Thank you very much for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2019, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to Bank of America at the instructions of the scammers.
Product: Credit card

I am writing to report fraudulent activity on my credit card and to dispute the outcome of my banks investigation into this matter. Which is Bank of America On XX/XX/XXXX, I stopped at a XXXX gas station to refill my car, as I was low on gas and needed to get home. Afterward, I did not use or touch my card until I discovered unauthorized charges. On XX/XX/XXXX, I noticed five charges of {$50.00} each at a grocery store in Washington state. The chain in question is XXXX XXXX XXXX XXXX XXXX MD These transactions were impossible for me to have made, as I am a XXXX XXXX XXXX XXXX XXXXXXXX and working part-time at a XXXX XXXX XXXX. I have not traveled out of state, let alone to XXXX. 

Despite providing this information, my bank completed its review and incorrectly concluded that I authorized these transactions because the charges involved my cards PIN and chip. This conclusion is not possible, as I had my card in my possession the entire time and did not share my PIN or card information with anyone. 

I am requesting the CFPBs assistance to resolve this issue and ensure that the fraudulent charges are reversed. I can provide any additional information or documentation needed to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan that I did with credit acceptance for 10k or more, monthly and it 's not showing up on my credit report. I tried calling credit Acceptance they said they will fix this problem but they have n't fixed it with the three major credit bureaus. I would like for them to update my credit information showing a pay off on a loan that I had with this lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

These bankruptcies was dismissed. CREDIT BUREAUS need to remove these Bankruptcy XXXX XXXXdismissed US BKPT CT FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX and Bankruptcy XXXX XXXXXXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference number : XXXX from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.
Product: Debt collection

I received a letter regarding a debt claimed to be owed by me from XXXX XXXX XXXX a debt collection company used by TD bank. 

Upon asking for verification not only did they not send me my information, but the company also violated the Fair Debt Collection Practice Act by providing me someone else 's full information including sensitive data such as social security numbers, driver 's license numbers and more. 

I did reach out and formally complain with the company, I was told they will launch an internal investigation, and they advised me to destroy the documents I received, and they would let me know If my information was sent out to someone else.
Product: Credit card or prepaid card

On XX/XX/XXXX there was a credit inquiry that showed up on my XXXX account for a XXXX XXXX credit card from CitiBank. I did not initiate this request. 

On XX/XX/18 I was able to speak with someone at CitiBank who confirmed a card was taken out in my name and we closed the account down as I notified them that it was fraudulent. I spoke with a XXXX who told me CitiBank would notify the credit reporting agencies and that I would receive a letter in the mail from CitiBank detailing their findings.
Product: Mortgage

XXXX XXXX XXXX  and first American title have not been applying my monthly payments to my accounts. Now threatening to foreclose on property. I am going to file a lawsuit against both companies on Monday XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting public information without providing verification resulting in violating my privacy rights. The courts do not report bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.
Product: Debt collection

This has been an ongoing issue since XXXX, involving a hospital visit from XXXX I believe. The amount was somewhere around {$1800.00} dollars. I paid the invoice sent by the hospital and never thought anything of it again. Then i started receiving calls in XXXX saying it was in collections. I sent the receipts and proof of payment to the first collection agency. Since then it has been removed from my credit report 3 times, with the most recent removal being in XX/XX/XXXX and it was labeled as a fraudulent account in the removal notes. Now I just received a call today from a new collection agency saying that they are going to be reporting the collections account again on my credit. I assume this is just going to keep going on forever with these vultures. Next year will be 7 years since the hospital visit in question anyways so i dont know how much longer this is going to keep going. I am absolutely not going to pay this again. I requested that the collection agency not contact me again and that i will possibly be seeking legal intervention if they contact me or reinsert this account on my credit.
Product: Credit reporting or other personal consumer reports

TransUnion has failed its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts was removed from my credit report not giving me a Fair Credit report. 
XXXX-OPENED XX/XX/XXXX- UNSECURED LOAN, {$32000.00} XXXX- OPENED XX/XX/XXXX. 

BOTH POSITIVE ASPECTS OF MY CREDIT REPORT THAT HAS NOT BEEN REPORT IN THE PAST SEVERAL MONTHS. 
Per FCRA PAID DEBT SHOULD REFLECT INDEFINATELY OR AT LEAST TEN YEARS ON MY REPORT.
Product: Debt collection

XXXX is the rental management company for the apartment complex XXXX that i signed a 1 year lease with and set up auto debit for rent payments. they served me with a 3 day notice to vacate due to non payment. after i proved they had debited my account for the rent the property manager XXXX called me and insulted me and called me names and let me know i was n't welcomed there anymore. so i moved out due to a tremendous amount of XXXX and anxiety they caused me.now they are charging me for the amount of time it took them to rerent the apt.they reported me to the collection agency ncc business service in XXXX fl