23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent in a complaint, now closed, # XXXX. I complained that after sending an FTC identity theft claim with accompanying documentation to TransUnion, I had not seen any sign that they were taking the appropriate measures as required under FCRA 605 ( b ). They responded to the complaint with their usual rhetoric about performing an investigation, etc. and let me know in 30 days. This timeline violates the timing requirement of the FCRA. In any case, just yesterday, XX/XX/2020, I received a letter from TransUnion dated XX/XX/2020, outright dismissing my FTC fraud complaint, without doing any investigation, and determining for themselves that I had committed fraud by filing said report and they would not do a thing to look into the allegations! As far as I know, they have NEVER done an investigation into an account that I have disputed, and they are the only one of the three credit agencies to not put a block on the accounts listed AS IS THEIR OBLIGATION under the FCRA. I did not see any portion of the FCRA that states that companies may use their own discretion after receiving a fraud complaint. I have attached a copy of the said letter here, and I have also forwarded one to my attorney. I'm completely shocked and outraged that TransUnion believes they have the right to do whatever they want with my credit score.
Product: Money transfer, virtual currency, or money service

I have a HELOC account with Chase that has a zero balance. I transferred {$100.00} to my nephews account and the transfer was processed on time and no issue. I then attempted to transfer {$10000.00} and that transaction was flagged by Chase 's fraud department. They called me and I called them back. I fully authenticated using my social security #, a one time passcode provided by Chase and I answered all of their authentication questions.

After fully authenticating, the associate then proceeded to ask me why I needed the money which I found very strange. I asked for a manager and after a lengthy conversation was told that the transaction is approved and it will be processed. 

I called the next day because the transaction was still showing pending. after another lengthy conversation I was once again told that the transaction was approved and it will process. I checked my account on XX/XX/21 and the transaction is now completely removed from my transaction history. I called Chase on XX/XX/21 at XXXX and was transferred to a VM where the call disconnected afterwards. 

I dont understand why I was told twice that this transaction was approved but the opposite was true. What is the reason why I cant transfer money from my HELOC account? Nothing has been explained to me and I don't feel that I am being treated fairly. I am expecting that money to be transferred, I am told the money will be available on several occasions but Chase doesn't seem like they have any intention of transferring these funds. WHY?
Product: Debt collection

Received a phone call from XXXX claiming to be XXXX from ROC with a message to contact them in regards to a potential process serve. Left a number to call back of XXXX. I researched this number and found it to be related to a fake collection agency scam.
Product: Vehicle loan or lease

Volvo Financial has kept 2 overage payments of {$850.00} each ( {$1700.00} total ) which I did not owe them, and which were promised to be refunded to me. Following a lemon law hearing and decision in my favor, Volvo bought a vehicle back from me on XX/XX/2024, and I was refunded only the payments I had made UP UNTIL THEN. However, it took Volvo Financial TWO ADDITIONAL MONTHS AFTER THAT TO CLOSE MY ACCOUNT, during which time I was instructed by them to make two more lease payments on a car I no longer had or owed money on. They told me I had to do this to protect my own credit report, and promised that any overage would be refunded within 15 business days of them closing my account. My account has now been closed for over 2 months, and each time I call to check the status of my refund, they give me a runaround and no clear answers. I have never dealt with more incompetent and uninformed customer service reps than this. They have kept me on hold for over an hour at a time while they search for answers and records which they never seem to find. They do not seem to understand the most simple of scenarios or calculations and have no idea where to look in their system for data or records. During my last 3 ( lengthy! ) phone calls with them, I have been given several different insufficient answers about where my refunds might be. These include : ( 1 ) sent to the dealership instead of me ( 2 ) sent to the 3rd party buyback facilitator instead of me ( 3 ) not sent at all. One agent named XXXX told me these checks were issued on XX/XX/XXXX and XXXX, but all the other agents who have answered the phone since her, have told me that they have no idea what XXXX was referring to and don't know where to look for the data ( How about in their bank register of outgoing checks?? ) I last spoke with them on the afternoon of XX/XX/2024 ( for over 1 hour ) during which time the agent was unprofessionally silent and unapologetic. I was told no manager or supervisor was available to speak with me. I was told a more knowledgable person would call me back within 48 hours. Over a week later, no one ever called back. No one answers the phone at headquarters in XXXX, NJ. I reached out in writing to XXXX, XXXX XXXX. His ony response was to pretend that he and I were in different countries. He literally wrote only, " Sorry, I am in the U.S. '' Clearly, I am in the U.S. too!! This company will find any excuse not to help a customer. Utterly shameful! They have 20 1-star reviews on the XXXX, many of which say they deserve 0 stars and call them scammers. They are untrained at best, and outright thieves at worst. I just want a refund of my overpayment and to never think about their incompetence again.
Product: Debt collection

Approx one year ago, I had some fraudulent drafts on my bank account, which the bank reversed and I closed the account. I started receiving numerous aggressive phone calls from XXXX XXXX XXXX at home and at work, I informed them when they called me at work that I could not take personal calls at work, yet they called back today and spoke to one of my coworkers telling him that they would come to my work tomorrow and serve me papers and even gave him a case number, I have the note my coworker gave me. I called the company and told them to never call me at work or at home again, that this was a fraudulent case. XXXX XXXX kept telling me to just talk to him and I said no, this is the last communication we will have, I told him he was harassing me and threatening me, talking to my coworkers, giving them case numbers etc, he said '' we have to do what we can do to collect the debt '', then he hung up on me.Their phone number is XXXX. I have never received any written notification from them to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day XX/XX/XXXX I repeatedly try to work out an agreement with XXXX to lower my monthly payments from {$340.00} to a minimum of {$150.00} due to my employment status has changed after my car was totaled. After my car was totaled by the insurance they paid XXXX XXXX XXXX nearly {$11000.00} which left a balance in XX/XX/XXXX. I made a payment in XX/XX/XXXX of {$200.00} a payment of {$150.00} in XX/XX/XXXX also {$150.00} in XX/XX/XXXX ; which does not constitute being more than 30 days late & causing my credit score to plunge. Also I spoke to gentlemen by the names of XXXX ( XXXX ) & XXXX ( XXXX ) back in XXXX & they stated that the last couple of reps never completed what I requested or never have the ability to fill my request of a lower monthly payment. Also my issue with WFDS is that 2 reps before XXXX & XXXX assured me this was something they could take care of ; if I knew from the beginning they couldnt process my request I wouldve had the chance to use another option. But I wasnt giving that opportunity so this is the reason Im disputing. Again this will be the 2nd letter I had to type ; XXXX XXXX XXXX WILL NOT NEGOTIATE LOWERING MY PAYMENT FROM THE INITIAL PRINCIPLE BALANCE PAYMENT OF {$340.00} TO A MINIMUM $ XXXX   MONTHLY WHICH I HAVE BEEN REQUESTING SINCE THE CAR WAS TOTALED OUT IN XX/XX/XXXX. The point is that the reps I spoke to XX/XX/XXXX/XX/XX/XXXX lied & stated that it can be reduced which never happened until I kept getting phone calls from the automated service to call in which caused my suspicion. My issue is how can you still charge the principle balance amount when the principle amount is not there. Also I requested 2x to have it reduced in which I was told by 2 reps it would be completed and it had me under false pretenses that it was completed. Also I never disregard paying XXXX Ive made payments what I could afford ; so they have no legal right reporting me to the Credit Bureaus without at least reducing my payment as requested previously.
Product: Credit card or prepaid card

XX/XX/2022 ( Sat ) : At XXXX ( call duration : XXXX XXXX  ), I informed representative that I could not sign-in to my account online. The representative, who could not speak XXXX well, kept telling me I could just go online to access my account. I again told her I could not sign-in to my account online! I told her I was getting an error message that said, " A system error has occurred. Please try again later. '' She responded by telling me I was using the wrong username ( which is not true, because I copy & paste username from a text file ). She told me to use all lower case letters of my username instead, and to wait XXXX XXXX  and try again. 

XX/XX/2022 ( Sat ) : At XXXX ( call duration : XXXX XXXX  ), I called back and told the representative that I still could not sign-in to my account online. The representative just tells me to go online and access my account. Again I told her I could not access my account online because you are not allowing me to sign-in to my account! She then tells me to wait XXXX XXXX  before trying to sign in. I told her I did wait the XXXX XXXX  and more, but still could not sign in. She then reverts back to telling me to go online and access my account. I again told her more firmly, " I Can Not Sign-In to my Account Online! '' She then puts me on hold and never returns. 

XX/XX/2022 ( Tue ) : At XXXX ( call duration : XXXX XXXX  ), Called to cancel this account, but no answer. 

XX/XX/2022 ( Wed ) : At XXXX ( call duration : XXXX XXXX  ), Called to cancel account, but no answer.
Product: Debt collection

i dont remember when this happened but it was back in XXXX i have id theft also but when i did get this loan out i had lost my job 5 days later and i had not been able to pay today XX/XX/XXXX they called my mom which is going through some problems becasue my father had an accident and told her that they were calling from the county and that i had a warrent for my arrest because of this loan my mom was very scared because of the arrest and the worry of my fathers health i need help i cant do this at the moment i bearly started working again and i am a single mom of XXXX  and they dont want to help me to pay them back
Product: Credit reporting or other personal consumer reports

Letter to Capital XXXX XXXX XXXX ( XXXX XXXX ) XXXX ole XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> Re : Account Number [ XXXX ] Request for Pay-for-Delete & Goodwill Adjustment under FCRA To Whom It May Concern, I hope this letter finds you well. I am writing to respectfully request a pay-for-delete arrangement or a goodwill adjustment for the late payments that have been reported on my credit file in connection with the above-referenced account. Due to temporary financial difficulties, I was unable to meet my payment obligations during the relevant period. However, I am now in a position to resolve this matter fully.

In accordance with Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I recognize your obligation to report accurate information to the credit bureaus. Nevertheless, the law also allows creditors the discretion to update or remove negative reporting, even if the information was accurate at the time it was reported. As such, I kindly request that you consider removing the late payments from my credit report as a goodwill adjustment, given my history as a loyal customer and my current willingness to pay the balance in full or agree to a payment plan.

Furthermore, Section 623 ( a ) ( 7 ) of the FCRA outlines your ability to notify the consumer ( myself ) if negative credit information is being reported. However, nothing in the statute prohibits your ability to assist a customer by removing such information as a measure of goodwill. This is particularly relevant in cases where the customer is working in good faith to resolve the balance.

As an expression of my commitment to resolving this matter, I am prepared to pay the balance in full or negotiate a mutually beneficial payment plan. In exchange, I request that you remove the late payments from my credit report with the credit bureaus ( Experian, XXXX, and XXXX ). This would not only help improve my credit standing but also demonstrate XXXX XXXX  or XXXX  dedication to positive customer relationships. 

I believe that this arrangement is in both our best interests, and I look forward to your favorable response. Please let me know how we can proceed to resolve this matter efficiently. 

Thank you for your time and consideration.
Product: Money transfer, virtual currency, or money service

This organization called Paypal, had collected funds of XXXX sales in XXXX, had held it for 3 to 4 weeks, than sent email that fund was available. Tried to transfer funds to two differnt accounts, XXXX XXXX, and XXXX XXXX account, both times refused to transfer claimed that account was not proper for their website. Three months past, tried to send the funds, EXACT AMOUNT to my service provider lady, to empty the available balance. Paypal had a valid credit card deposited with them for expense issues of XXXX servive, which was used fraudulantly to purchese services instead of sending the available funds to my service lady. I am living in the XXXX border area of XXXX XXXX, when a problem comes Paypal CHANGES THE LANGUAGE TO XXXX, UNABLE TO UNDERSTAND, or claims unusual activity an blocks the site to access to finish the complaint issue, WHICH JUST WAS DONE AFTER FILING THE ISSUE AND DEMANDED TO CLOSE THIS ACCONT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need that XXXX XXXX make the necessary adjustments. They removed the negative mark that appears in my credits teports in the month of XXXX for the month of XXXX and included it again in the month of XXXX. They even include an false observation in the report that reads : XXXX XXXX. The problem of this delay was fault of the bank and the XXXX application according the bank informed me. This application was programmed to debit {$150.00} fortnightly and due to a problem that the application had, it only debited {$1.00}. The bank informed me not use that application due to problems I had and they recommended that I switch to " XXXX XXXX '' app, which I did immediately. This is not allowed by the fair credit law. I have spoken with more than XXXX representatives and they have agreed to resolve the matter and have not done anything. 
Even, I have never received a card statement, this other issues were left to be resolved and they have not done anything. 
This matter has caused me irreparable damage. They have even disabled my account due to an address problem and I have already sent you the required documents twice. They unlocked my card on XXXX occasion and then re-locked it. 
I send him everything I have done in the past emails and I include again my identifications with the electricity bill and the credit report. I demand that they fulfill their responsibility since the damage caused is irreparable. 


I await the call that XXXX XXXX agreed to give me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 XX/XX/2023 and XX/XX/2023 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking to verify as accurate : Experian : XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a Bankruptcy from my consumer report because, I notice some inconsistent data points being reported. 

1. As reported, the item US Bankruptcy Court does Not have an exactly matching Data Furnisher/Creditor Contract address location. Transunion shows ( U.S Bankruptcy Court ), XXXX ( US Bankruptcy Court GA XXXX ) and XXXX ( XXXX ). 

2. The date filed and reported shows XX/XX/2022 with Transunion and XXXX but shows XX/XX/2022 with XXXX. 

XXXX. The reference for Transunion is ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) which is Inconsistent as well. 

XXXX. XXXX and Transunion Reports a closing Date of ( XX/XX/2022 ) and XXXX reports nothing. 

I am not disputing the bankruptcy because of verification purposes, I'm disputing the bankruptcy because of the wrong information being collected by each credit reporting agency, causing this bankruptcy to be inaccurate.
Product: Checking or savings account

I've had money send through XXXX  without my acknowledgement and I have tried to dispute the transaction and claim was denied.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i entered a consumer credit transaction with XXXX XXXX. The total amount of the transaction was for {$10000.00}. On XX/XX/XXXX, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. On XX/XX/XXXX XXXX received a letter from me asking to validate the debt and produce legal documentation that I am obligated to pay this debt. Their response was a letter stating that they confirmed the transaction history and that the information was current and accurate. Moving forward to XX/XX/XXXX, I sent them two documents. One being a debt validation letter and a cease and desist. These documents were sent via XXXX  on XX/XX/XXXX and was delivered to the company on XX/XX/XXXX at XXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Product: Debt collection

XXXX at XXXX I am responding to your contact about collecting a debt. You contacted me by email on XX/XX/XXXX and identified the debt as owing {$1300.00} to XXXX at XXXX. I do not have any responsibility for the debt you are trying to collect. This is not my debt and I do own no ownership of it. Please stop all communication with me via email, phone or otherwise, and record that I am disputing any obligation for this debt. If you attempt collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

They have been calling for months after I sent letters again in XX/XX/XXXX. I now have the debt listed on my credit report.
Product: Vehicle loan or lease

Brought a XXXX XXXX back in 2016 don't think my money down was applied currently an more of my payment was applied to interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied apartment applications due to id theft on my credit report that XXXX  and equifax refuse to remove even with the documents required to remove ( ID theft report, social security number, and drivers license via mail with tracking number. ) I believe my rights have been  violated and I would like these accounts to be removed immediately.