23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

REFERENCE TO COMPLAIN CASE NUMBER XXXX I ATTACHED A COPY OF MY UTILITY BILL TO PROVE THAT THE DEBT IS NOT MINE. 
Case number : XXXXTransUnion said : Explanation of closureUnder the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item ( s ) unless you can provide new information such as court papers or a recent, authentic letter from the creditor ( s ) that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the creditor directly. Contact information for each creditor is provided on your credit report for review. If you provide a Consumer Statement that contains medical information, then you are giving consent to TransUnion to include this information in every credit report we issue about you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. 




ResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, XXXX # XXXX reflects as a collection, balance and past due {$1700.00} and estimated deletion of XXXX. 

In addition, onXX/XX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, you were notified in writing that the disputed information had been previously verified as being accurately reported by the data furnishers. 



What happened Product Credit reporting Issue Incorrect information on credit report : Information is not mine ( belongs to someone else, identity theft, fraud, etc. ) Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that TRANSUNION AND XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report, errors, fraudulent, incorrect accounts, unauthorized inquiries, miss spelled, personal information, address that's are in my credit reports ...... 
I have more than ninety-eight unauthorized inquiries twenty six different names in my credit report, I contacted XXXX, Transunion, and XXXX FOR THE FRADULENT INFORMATION I HAVE IN MY CREDIT THE DONT WANT TO HELP ME. 
I need hep to get those incorrect information 's and account of my credit please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA- they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as soon as possible. 
Thank You
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated.

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.

EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

My card has been hacked numerous times and money has been stolen. Starting XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. Cash App is not secure with banking and at some point did not offer live ( human ) representatives to handle issues making it difficult or impossible to get the money back
Product: Credit card or prepaid card

I have the Amazon Store Card from Synchrony Bank. 

I called synchrony today XX/XX/XXXX to see why my account was closed. They explained to me the reason for closing my account was because of two rejected payments. I had rejected payments on XX/XX/XXXX and XX/XX/XXXX. I didnt receive ANY warning or communication that it was going to be closed until I tried using it on XX/XX/XXXX. After getting my payments rejected both of those times, Ive immediately made my payment within days to maintain good credit history. 

I have over {$600.00} worth of reward points in this card that Ive earned and they will not give it back to me. I didnt even get a chance to redeem them. This is what Im most frustrated about!
Product: Credit reporting or other personal consumer reports

In XXXX of 2018 I was shopping on the XXXX store website and my personal email acocunt with all of my identifying information ( name, birthdate, license number, social security number, address, and more ) were fraudulently stolen by hacking into my perosnal email. My information was then used to obtain credit cards, utility bills, and several inquiries ( were made fordulently without my permission or knowledge. I have filed a police report as well a fraud report with the FTC. I would like for all these items to be deleted from my credit profile. Due to this my credit profile has been negatively impacted and I wish to have those items deleted. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Student loan

My student loans date back to XXXX under the public service loan forgiveness program. XX/XX/XXXX I submitted a request to federal loans to have my loans transferred to them and they confirmed that all of my loans qualify for public service loans forgiveness and took over servicing my loans. I have been paying on my loans since XXXX when I graduated XXXX school and began XXXX. In XX/XX/XXXX after Fed loans told me I qualified for the program, I was told I would received information regarding how many of the payments I have made over these last 7 years qualify towards my 10 years ( 120 loan payments ). I have contacted them about every 3 months since then and still have not received an answer when I was told originally it would only take 1-3 months to calculate this. It has now been 14 months and they still have not given me any information regarding my qualifying payments and continue to brush off my requests to have the qualifying payments calculated. I have resubmitted employer information for the 2 places I have worked that qualify for this program and am still making on-time payments every month. Current principle balance is {$310000.00}.
Product: Credit reporting or other personal consumer reports

These Hard inquiries have appeared on my credit report and do not belong to me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First of all, my son had so-called emergency treatment on XX/XX/XXXX. I tried to fix the problem with the XXXX XXXX XXXX XXXX and contacted my insurance and XXXX. Then, they assured that they can take 20 % off from the statement and I tried to schedule a payment plan with additional discount due to XXXX. Around XX/XX/2020 I noticed that I was referred to debt collector called CAPIO PAYMENTS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX I emailed to them twice and send the documents around XX/XX/2020 and they still send the incorrect amount of {$1800.00} which I will not pay and can not even afford it.
Product: Vehicle loan or lease

Ally financial has repeatedly charged unjust fees late fees etc for no reason. I have called several times and get told the same reply its a computer glitch. I have gave this company several weeks to fix system issues but they have not complied. This makes me not trust them and feel like Ive been getting ripped off.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions happened on my account multiple times from XXXX. I called chime and submitted multiple claims. They approved the first one and denied the rest. When I asked for documentation on their denial reason they sent me a list of transactions that I had disputed. They provided provisional credit for one claim but they took it back now my account is negative {$500.00}. I submitted a police report and the logs of me talking to XXXX trying to get my money back.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/scrub>XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I began receiving a series of notices via email from Experian. The messages said " you no longer have a credit score, '' then a few days later would be followed by messages saying, " you now have a credit score. '' I am currently applying for a mortgage loan and my lender is unable to get my credit score from Experian. I have called Experian and opened disputes, and the XXXX time I was able to get an Experian representative on the phone she informed me that Experian had my legal first name wrong in their system. My legal name is " XXXX. '' Experian, entirely on their own, has put my name in the system as " XXXX. '' The representative confirmed that Experian has copies of my legal name change documents that I provided in their files, and she said she would have the issue corrected within XXXX business days. This was XX/XX/2023. As of today, XX/XX/2023 I am still unable to access a credit score via Experian. Their website says I do not have a credit score still. My lender needs this information, and I have over 20 years of credit history. Experian 's arbitrary error in my legal name is stopping me from buying a home. I have tried written and phone resolutions, to no avail. I appreciate any and all help from the CFPB with this matter.
Product: Debt collection

Dear Collector, PARAGON REVENUE GROUP XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe.

Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account.

I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.

You can not add interest or fees except those allowed by the original contract or state law.

Any attempt to collect this debt without validating it violates the FDCPA.

Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX.

I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Checking or savings account

I was one of the people who they opened saving account then was charged over draft fees. I was also charge fees for interest that made account go over draft.
Product: Checking or savings account

On XX/XX/XXXX, I made a small deposit ( {$39.00} ) to XXXX XXXX sportsbook using my PayPal account. The purpose of this deposit was to enable PayPal as a withdrawal option for the money I had in my XXXX XXXX sportsbook account. Throughout the course of events, I continued to receive deposit errors for subsequent and larger deposits which lead me to have the attached customer support conversation with XXXX XXXX sportsbook. Per the customer service agent, the only way I could deposit using PayPal would be to add a card to my PayPal account. The other deposit method available to me in the XXXX XXXX app was to add my card directly in their app rather than PayPal. 

From XX/XX/XXXX through XX/XX/XXXX, there were {$34000.00} in withdrawals from XXXX XXXX deposited to my PayPal account. There were times when I then attempted to redeposit to XXXX XXXX using PayPal - and again I received the same deposit errors. So I just retried those deposits using the other method - from my debit card directly in the app. 

On XX/XX/XXXX, in an effort to not lose any more of my winnings, I requested a XXXX month self exclusion from XXXX XXXX sportsbook. I received confirmation of the exclusion on Monday XX/XX/XXXX. This means that I can no longer log in or use this vendor. I then checked the transactions section on my PayPal account and saw that there were a bunch of transactions going back to XXXX XXXX. I immediately contacted PayPal and disputed those transactions since the self exclusion was already in effect. PayPal denied my request within less than a couple hours and sent an automated response. I have appealed this decision multiple times and provided documentation, and PayPal denies the dispute each time.

This has been a gut wrenching experience and Im surely not the only customer who has had to deal with this.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint regarding the discriminatory and unfair treatment I received during my recent loan application process with First Bank. I first reached out to XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX to discuss my plans for applying for a business loan. XXXX XXXX directed me to an online application, but I encountered difficulties completing it. On XX/XX/XXXX, I visited the main branch in downtown XXXXXXXX XXXX where I was referred to XXXX XXXX XXXX. Despite explicitly mentioning numerous times that I was seeking a business loan to grow my business, XXXX XXXX insisted that I apply for a personal loan instead. I was also told to remove my vehicle as collateral, as this would classify it as a title loan, and to exclude my part-time income because it wasnt related to my business, despite that income being part of my financial support. After following XXXX XXXX instructions, my loan application was denied. I was told by XXXX XXXX that she didnt know I couldnt apply for a personal loan for business purposes. Furthermore, XXXX XXXX stated that I was technically eligible for the loan, but the bank was too conservative to approve it. This comment, along with the guidance to apply for a personal loan despite my clear need for a business loan, suggests I was not given proper consideration or respect during the process. After my denial, I spoke again with XXXX XXXX, who reaffirmed XXXX XXXX remarks, stating that I was eligible, but that First Bank was too conservative to release the funds. XXXX XXXX also recommended that I pursue a title loan or another form of loan elsewhere instead of continuing with First Bank. What is particularly concerning is that First Bank has a XXXX XXXX XXXX ( XXXX ) chapter, yet I was not directed to anyone specializing in small business loans. This, along with the evasive guidance and insistence on pursuing a personal loan, strongly suggests I was not given a fair opportunity. I firmly believe that my race played a role in the treatment I received during this application process. I felt as though I was judged based on stereotypes, and my business was not afforded the same consideration as others. I was not only treated unfairly but discriminated against based on the color of my skin. The lack of respect, misleading advice, and discriminatory undertones throughout this process have been unacceptable. This type of behavior is both unethical and unlawful, and I expect appropriate action to be taken. Thank you for your attention to this matter. Sincerely, XXXX XXXX