23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was hit by a negligent driver XX/XX/year>. I need a total shoulder replacement on my dominant arm. My son, who is XXXX, is XXXX and his car seat and mobility device, which is used daily to go to therapies, they were both damaged. I received payment of {$750.00} and {$740.00} to replace them. I thought I could trust this platform but they took everything! Theyve allowed almost {$1800.00} worth in fraudulent charges, and credited back $ XXXX. Thats it. Its despicable! They were aware of the fraud too, but did nothing to stop it!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

OLS is involved in unfair and deceptive consumer practices with regards to our loan servicing. OLS provides us with false or misleading information regarding the amount due on the original term of the loan. Refuses to provide us with the accurate amount in arrears. OLS botched up our loan modification by providing misleading, incomplete information in an attempt to collect more than what it is required to collect. OLS refuses to reinstate our loan even after we informed them that we were willing to pay the total sum in arrears, approximately {$10.00}, XXXX dollars, as per the original note and mortage after a referee had determined, in a previous law suit that a specific amount is now due and owing and a down payment in the amount of XXXX, XXXX dollars was paid to reduce that determined amount with a remaining balance of about {$10.00}, XXXX dollars.
Product: Checking or savings account

I opened a account with u.s. bank. I deposited XXXX in money orders. First money was on hold for 5 days. No one told me this at the bank when I deposited it. I was given access to XXXX. I get a temp. Debit card that would not work. So I could not even access the XXXX. I called and they said it was because a new card was sent. That would void temp card. Then I get funds released. I get a new debit card and credit card from U.S.Bank. The new debit card is now frozen. I called and was offered no help. Then I get a text that another card is being sent. Why I don't know. Now my debit card is frozen. My credit card is frozen and my online account will not let me on. I have called and emailed the bank. No one can help me. I was told a person named XXXX is the one that put the hold and he is the only one that can release my account. He will not return my call. He is unable to be located when I do call. I do t know what the problem is. This is my money. I have rent and bills to pay. I can not even buy food now. I am very frustrated. I want answers and I can't get any.
Product: Credit card or prepaid card

This was from over a year ago, and I did not know that there is a place to file a complaint like this. So please forgive me if this complaint is too late to be filed. 

On XX/XX/XXXX. 
When I checked my chase Freedom account, I found that all my points are gone and my account was closed. So I called the customer service to see what happened. The lady told me that Chase sent me a letter in XX/XX/XXXX that my account will be closed, and I will have 30 days to use my points. BUT, I moved to a different house in XX/XX/XXXX, I even forwarded my mails to my new address through a service of USPS, but I did NOT get the mail from Chase on closing my account! And they didn't notify me through any other method other than that one letter. I had XXXX points in my account for my purchases in FOUR years with this Chase Freedom credit card, and I lost all those points because a letter was somehow lost. This seems really unfair to me, and the lady from CS told me there is nothing Chase can do in this situation. So I want to file a complaint about this.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$76.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents verifying this debt have never been provided to me and the main reason for that is, they do not exist, but if they do, as you should know, you have 5 days to provide them to me In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the licensure, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX 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 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 XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several closed Charged off accounts on all 3 Credit Reports XXXX. Equifax. XXXX. The Accounts have been Charged off and Closed for 5 years Ive Disputed with Open Dates that are Inaccurate on all 3 Credit Reports and the Balance with Proof and they only update my Credit Report the Accounts should be Deleted due to inaccurate information and Falsely reporting On My Accounts. They are stating I cant Dispute these accounts No longer It is illegal to Report Inaccurate information according to the FCRA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX
Product: Vehicle loan or lease

My car was repossessed back on XX/XX/2022, I paid the balance of {$2100.00} not to the exact I remember to get the car back. I asked the agency were there any repo fees they stated that there weren't any .I also reached out to you guys and filed a complaint against Santander Consumer .Santander also replied back sent a letter that stated that my next bill wasn't due until XX/XX/2022. I made two different payments although they werent exactly on time but they were for the month of XXXX payment. Santander had been calling me repeatedly and I called them and asked them why they kept calling me and thy stated I hadn't paid my XXXX bill because they added it my repos fees and applied it to XXXX payment. The agency never sent me a letter telling me about the repossessions fees I had talked to several agents and Ive gotten different stories .If I go online and pay my car note than it should state that it was going to repossessions fees. I called Friday XX/XX/XXXX and got a supervisor and he argued with me back and forth and hung up in my face. The agency stated that the repossessions fees wasn't showing up because they were waiting for the repossession agency to send the bill this is not how business works.
Product: Credit reporting or other personal consumer reports

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Please send your written response to my address written above.

I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges.

from consumers, regardless of the specific information that they have provided.

This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 
Kindest Regards, XXXX  XXXX bankruptcy false verification. You refuse to investigate. This is illegal
Product: Credit card

Again CapitalOne has failed in properly handling a dispute ( had issues with them in the past and they seem simply ill-equipped to deal with disputes ). We filed a dispute and then I provided all the information they asked, then we even attempted to contact them to ensure they received the information and no response. Then the other day got a notice that they never received the information so they closed the case ... Why do consumers have to be subjected to such incompetence when these companies make a fortune on the backs of consumers and businesses!?!?!?! 

I 'm attaching a copy of the information provided via a response to their email which I know they have received information at that address in the past and then also attaching our communication asking if they received the information and can see there was no response and their previous message was that at that one point they had all the information needed ... Note that on the email there are various attachments as i was very thorough in providing every bit of information that I have.
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 XXXXXXXX 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 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: Money transfer, virtual currency, or money service

On XX/XX/2022 I received an email stating that PayPal would be keeping my {$26.00}, XXXX due to Acceptable Use Policy Violation. 

PayPal is in breach of their contract as their contract states all/any disputes would be handled via Arbitration. I was not allowed to have a third party involved as far as an Arbitrator nor court involved in this decision, PayPal has played the role of Judge, jury and executor. 

PayPal has not presented me with any evidence regarding their alleged claims against me but instead has taken an aggressive adverse action against me. 

In addition the consumer wonders if this has been reported to the IRS for proper credit for taxes...
Product: Debt collection

XXXX XXXX XXXX filed debt for cell phone that is not mine, sent to collection without any notification to me, Equifax will not respond to three dispute requests, starting 6 months ago. continues to list this debt on my credit report. Was removed by other reporting agency back in XXXX, Equifax removed and then relisted without notification.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of XXXX, in addition to civil liability.

I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email XX/XX/2022 from XXXX which is a company that I had a XXXX XXXX XXXX XXXX  with. The email stated the following correspondence : Saying goodbye is never easy XXXX, You are the reason we built XXXX. Youre the reason we created XXXX XXXX XXXX All companies change shape and grow at some point. Our time has come and we are saying farewell to our beloved XXXX XXXX XXXX plan to focus our efforts on other products that will help people in greater ways. 


On XX/XX/XXXX, our trusted partner, XXXX, will be taking over for the duration of your loan. You will make payments and manage your account from their website. Aside from XXXX now being the servicer, nothing else about your loan is changing, and all terms will be the same. Continue to make payments on your scheduled due dates. If youre using AutoPay, it will continue to work as usual. Youll be able to download all of your loan documents and statements from the XXXX website. 
1. So my payments which were on auto pay began to come out of my account with the new company as of XX/XX/2022. However, the new company has not reported any of my bi-weekly payments to any of the credit bureaus. And when I tried to file a dispute with all three agencies regarding this matter I was given an message that stated I am unable to dispute the information. 
2. Also the company is listing on my credit report that my monthly payments are {$270.00} which is inaccurate. I pay {$120.00} bi-weekly and there are only 4 weeks in a month that comes out to {$250.00} per month not {$270.00} as being reported by the credit reporting agencies. Which you can see from the documentation provided. And the same message was received when I tried to dispute that inaccuracy as well.
Product: Bank account or service

Someone called at XXXX saying there was a problem with her debit card.called from a wireless phone # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ATTENTION : Consumer Financial Protection Bureau ( CFPB ) RE : XXXX XXXX Account # XXXX RE : INVESTIGATION RESULT DATED XXXX ATTACHED. 

Dear Sir / Madam, This is to inform you that according to the information in the attached investigation result provided by the furnisher regarding my last dispute, the investigation result indicated that the date of first delinquency is XX/XX/XXXX since the last date the account was current was XX/XX/XXXX which says ( XXXX ). PLEASE SEE HIGHLIGHTED DATES IN THE INVESTIGATION RESULT ATTACHED. The Highlighted items indicated the date the account was last current as well as the date of first delinquency. 

According to FCRA, any delinquent account must be deleted seven years from the first missed payment and that date according to the highlighted attached document as XX/XX/XXXX. Be informed that seven years from the date of first delinquency which is XX/XX/XXXX according to the highlighted in the attached evidence is XX/XX/XXXX. 

Note : Reporting delinquent account more than seven years or trying to re-age an account is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 1681c ( a ) ( 4 ) REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS. 
( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS. 
Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or changed to profit and loss which antedate the report by more than seven years. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX
Product: Debt collection

A few weeks ago I noticed a medical collection on all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I was not aware that I owed this debt. I was not notified of this debt. On XX/XX/XXXX I called Transworld Systems at XXXXXXXX XXXX and spoke with XXXX. Her employee number is XXXX. I asked her, " How did TransWorld Systems verify this debt ''. She stated they mailed a letter to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX on XX/XX/XXXX. However, I lived at an entirely different address in a different city on that date, and I have a lease to prove it. Before that date, I lived with a family member at a different address. Before that, I was in the XXXX located in XXXX XXXX Oklahoma. I asked her, " Did you all verify this debt by email? '' She stated no. I then asked her did you all verify this debt with me over the phone, and she said no. She stated that they called the phone number they had on file multiple times but no one answered. She said someone picked up the phone on XXXX the XXXX XXXX and said they had the wrong number. 

The Consumer Financial Bureau ( CFPB ) states, " Make sure the bill is yours and shows your correct name, insurance information, and billing address. '' However, I was not provided a chance to verify any of this information. Instead, this company took it upon itself to place this on my credit report without giving me a chance to verify the debt. 

The Consumer Financial Bureau ( CFPB ) states, " Debt collectors are not permitted to report a medical bill to the credit reporting companies without trying to collect the debt from you first. Debt collectors may be hoping that you will simply pay the bill without disputing it. Instead, you have the right to dispute the information. However, I never received notification of this debt prior to Transworld Systems placing this on my credit report. 

I recorded the phone conversation between the representative and I for my protection. I am completely disgusted at how debt collection agencies feel as if they can do whatever they want. The companies information is as follows, TRANSWORLD SYSTEMS XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I demand this collection be deleted from all three credit bureaus ( XXXX, XXXX, XXXX ) immediately. Failure to do so could result in legal action against Transworld Systems.
Product: Debt collection

XX/XX/XXXX I received an email from XXXX XXXX saying I had a collection on my XXXX account. I disputed it saying " this does not belong to me. '' It says the collection is from Jefferson Capital System and the original creditor was XXXX XXXX XXXX. I am on someone else 's XXXX  plan and have been for many years. I paid my debt in full to XXXX  when I had my own account. It says this account has been open since XX/XX/XXXX and is open now. I haven't opened an account with them and this is the first I've heard about this account. XXXX XXXX said they reviewed the claim and found that this is legitimate. I don't know what to do now since I didn't open this.