23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a watch from XXXX using my TD account. Days after receiving the watch the band broke due to a clear manufacturing issue. I tried to get XXXX to replace the band and was only sent incomplete parts for a band, but never a complete band. I filled a dispute with TD, stating that I had emails to add to the dispute to enforce my claims. They told me that if TD needed more information they would reaching out to me. Today I received a letter that they completed their investigation and that I should reach out to XXXX for warranty repair/replacement, which was the problem in the first place! 

Now TD Bank has told me the investigation is closed and I should have submitted the emails when I submitted the dispute, despite them never providing me an address to send emails, telling me their dispute department would reach out to me. 

As a XXXX XXXX that has stated this fact to TD, I feel completely and absolutely discriminated. XXXX is failing to honor their warranty and my bank does not seem to care!
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of certain student loans from my credit report as provided for under Federal law specifically 15 USC 1681b ( a ) ( c ). I believe that the inclusion of these student loans on my credit report is in violation of the law, and I kindly request your assistance in rectifying this matter. As you are aware, 15 USC 1681b ( a ) ( c ) mandates, that consumer reporting agencies, such as yours, Must insure the accuracy and fairness of the information they include in credit reports. According to my understanding of the law, certain student loan should be exempt from reporting after a certain period of time, provided they meet the necessary criteria outline in the statute. After conducting a thorough review of my credit report, I have identified the following student loans that I believe should no longer be included : Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX I kindly request that you investigate the inclusion of these loans on my credit report and take appropriate action to remove them if they indeed meet the criteria for deletion under 15 USC 1681b ( a ) ( c ). I understand that the law allows for the removal of obsolete and outdated information, and I believe that these loans fall within those parameters. I have attached relevant, supporting documentation that demonstrates the eligibility of these loans for removal if there is any additional information or documentation required from my end, Please let me know, and I will promptly provide it. I kindly request that you respond to this matter within the timeframe for by the federal law to ensure the timely resolution of this issue. Please communicate with me in writing, regarding any action taken, or any further steps required on my part. Thank you for your attention to this matter I look forward to your prompt response in the successful resolution of this request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for my XXXX XXXX XXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC XXXX ( b ) ). 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( TILA ) : These reporting errors breach the TILA 's requirements for accurate credit reporting. 
Under the FCRA, sections 15 U.S. Code XXXX and XXXX mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles XXXX and XXXX ( 15 U.S.C. XXXX and XXXX ) outline liability for noncompliance. 
Summary of Errors and Discrepancies Across All Bureaus : Late Payments : XXXX : Reports late payments, including XXXX days late in XXXX, XXXX days late in XXXX, and XXXX days late from XXXX to XXXX, which are inaccurate. 
Experian : Similar late payment errors as XXXX, with reports of XXXX, XXXX, and XXXX day late payments during the same timeframe. 
XXXX : Reports late payments, including XXXX  days late in XXXX, XXXX days late in XXXX, and XXXX days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only XXXX provides a closing date ( XX/XX/XXXX ), while Experian and XXXX omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : XXXX and Experian show errors starting in XXXX, while XXXX begins reporting errors in XXXX. 
Requested Resolution I request Experian to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within XXXX days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed these inquiries and my credit Report. I did not authorize these companies to run my credit. They are fraudulent. 

Company 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  isn't reporting these open acct. One is my mortgage which is with XXXX XXXX XXXX XXXX. Acct # XXXX. Date XX/XX/2019 my credit score drooped by XXXX points. 
My credit card Acct # XXXX XXXX the bank name is XXXX XXXX XXXX credit card isn't even being reported, but have added an attachments to show proof. This is to is not being applied to my credit score. Can you please help me with this problem?
Product: Debt collection

On XXXX XXXX, XXXX I was contacted through the mail by Aldridge Pite LLP, who claim to be attempting to collect an alleged debt for XXXX XXXX XXXX. Upon receiving the letter from Aldridge Pite, I began to draft my response pursuant to 1692 ( g ), and before I could enter my dispute I received a Notice of Pending Foreclosure Sale on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Aldridge Pite received a Consumer Notice of Dispute of Debt in pleading form pursuant 15 USC sec.1692g, and though there were some apparent errors in the notice, the demand was very clear. Aldridge Pite LLP 's response was lacking verification and validation of any facts, as submitted in letter received XXXX XXXX, XXXX. At that time I saw that XXXX XXXX was indeed a debt collector as defined by 15USC sec.1692 ( a ) ( 6 ), and then filed Notice of Insufficient Response on XXXX XXXX, XXXX. The Notice sited errors in accounting of alleged debt by proof of Aldridge Pite 's own submission, demanded verification and validation, and ordered a CEASE AND DESIST. After XXXX XXXX 's receipt of such Noitce, I received through the mail a Cancellation of Foreclosure Sale on XXXX XXXX, XXXX. However, on XXXX XXXX, XXXX, I received another Notice of Pending Foreclosure Sale identically styled as the previous Notice of Pending Foreclosure Sale absent of any acknowledgement of dispute or verification and validation. My response to Aldridge Pite, was to make Notice of Violations Pursuant to 15 USC sec.1692 on XXXX XXXX, XXXX. Aldridge Pite responded saying, " we believe our response was sufficient to satisfy and verification obligation we may have under the FDCPA '', they also referenced to letter dated XXXX XXXX, XXXX. The inoperative word that XXXX XXXX used, " believe '', is neither verification nor validation as defined by law which lead me to draft a FINAL NOTICE on XXXX XXXX, XXXX siting a Summary of Facts and Violations pursuant the FDCPA XXXX XXXX sec.1692. Aldridge Pite 's response to such filing was to send a letter dated XXXX XXXX, XXXX styled, Cancellation of Foreclosure Sale. Then on XXXX XXXX, XXXX, Aldridge Pite LLP, gave Notice of Pending Foreclosure Sale, once again without any compliance to Federal Law pursuant to the FDCPA 15 USC sec.1692. Because of financial downfall, my response will be through a type of amendment to Final Notice, however I do intend to move for District Court of Georgia to ratify my PRIVATE RIGHT OF ACTION claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 reporting agencys have made decisions in less than 5 days from recieveing disputes asking for removal from my reports until further investagtion r complete and meets the standards of the law .they received my disputes on the XXXX of XXXX and made desisions two days ago some company 's they don't even list or have contact numbers for. please help me I am XXXX yrs old and I'm scared my info on the XXXX  XXXX  please make the seal my info tight and remove anything that not valid. I have downloaded just a few of the letters my lawyer sent to them with dates on the letters. I have also downloaded proof of all the injuries that just experian has let access my files. While frozen
Product: Mortgage

Our mortgage is with Equity Resources , Inc. In XX/XX/XXXX, I contacted them as our tax bill was incorrect due to a delayed filing for the homestead tax exemption which was lost and corrected. I told them not to pay the {$7100.00} as that was incorrect and the corrected amount was the original {$1800.00}. Equity Resources , Inc paid the {$7100.00} anyway to XXXX XXXX XXXX. The tax refund was returned to Equity Resources on XX/XX/XXXX. I contacted Equity Resources on XX/XX/XXXX, as I discovered an escrow analysis for XXXX online with the analysis of our tax bill at {$7100.00} vs {$1800.00}. In addition, our tax bill for XXXX will be lower as we applied for elder over 65 tax exemption for my husband and I am legally XXXX. I have the email correspondence attached. Equity Resources , Inc. stated on their email dated XX/XX/XXXX, our account is scheduled to complete an annual analysis in XX/XX/XXXX. This did not occur, and we received a payment change on XX/XX/XXXX, of {$3600.00} vs our XXXX payment of {$2500.00}. We can not afford this payment and it is not the correct amount we owe as the tax monies were refunded. We do not owe a tax bill of {$7100.00} and Equity Resources , Inc is fully aware of this fact. This is not an amount we qualified for and places us in jeopardy of making our mortgage payments.
Product: Debt collection

AFS ACCEPTANCE is reporting on my credit trying to collect {$11000.00} plus XXXX ( XXXX XXXX XXXX ) also on my credit trying to collect {$6700.00} For the same account ... the vehicle was purchase from XXXX XXXX XXXX but was sold to AFS ACCEPTANCE so why both trying to collect??? I was never giving no notice of the auction or sale, was have sent any information were I could have attended the sale or auction please validate this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in XXXX  and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 


Re : Case # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX. 
XXXX Account # : XXXX XXXX : XXXX XXXX XXXX : {$590.00} Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 
I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item from XXXX XXXXXXXX XXXX on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon
Product: Credit card or prepaid card

I have a XXXX American Express XXXX card. The advertising suggests that recipients receive a waiver of their annual XXXX spend if they spend $ XXXX or more on their card in a calendar year - indeed, this was the case when I opened my card first. However, I have not been receiving this benefit, and when I contacted XXXX they said that benefit had been removed, including from existing cardholders. They claim it happened in XXXX. However, XXXX was unable to provide evidence of a notification being sent out and was unable to identify when existing cardholders were notified of this arbitrary and capricious change. 

I spoke with XXXX today ( XX/XX/XXXX ), and they were unable/unwilling to provide any remediation or any details on when this decision was notified. They were only able to provide a copy of this article, supposedly posted on XXXX 's website in XXXX, where you can see in small letters a notification that this benefit was removed. I do not find this to be sufficient notification. 

XXXX XXXX XXXX XXXX XXXX marketing is also extremely deceptive, as their website strongly suggests that all XXXX AmEx cardholders receive this benefit. The lack of this benefit is not made easily viewable within XXXX 's promotional materials or information about different types of AmEx cards, so there is little way for cardholders to discover that they do not have this benefit. 

Thanks, XXXX
Product: Debt collection

Capital one XXXX {$0.00} balance Status current Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Product: Checking or savings account

XX/XX/3 {$10000.00} had a hold on my checking account for a savings account to be opened with Affirm. I did not authorize this transaction. 
The funds are on hold in my checking account with XXXX XXXX XXXXXXXX. 
They claim they are escalating it but to no avail. 

There was another unauthorized transaction for {$10000.00} XXXX, taken out of my checking account on XX/XX/2023 then put back in my account Then on XX/XX/2023 the {$10000.00} was taken out again. 

I have been on the phone for hours trying to get my money back. 
They tell me to go online to send them a message. 

I can not because they froze my account because they said there were too many attempts to access my account. 

Since than I had to close that checking account, & open a new one, which was very time-consuming because of all the XXXX debits I have. 
My broker who is with XXXX XXXX also can not get through to them. 

They also trying to collect & XXXX for a charge I didn't make with XXXX XXXX. 

I called them and they told me they have no transactions from Affirm, which Affirm said they sent them 3 payments.

Fortunately i caught in time 7 OPEN ANOTHER ACCOUNT AND HAD TO BORROW {$10000.00} TO PAY MY BILLS..My account is with XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is to formally dispute inaccurate information on my credit report. I am writing in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b. Section 1666b of the FCRA prohibits you, as a credit reporting agency, from including inaccurate or misleading information in consumer reports. 

I am disputing a XXXX transaction XXXX currently listed on my credit report as a late payment. I was never provided with the disclosures required by 15 U.S.C. 1637b. This section mandates that creditors furnish a clear and conspicuous disclosure statement before marking any account as late. Without receiving this disclosure, the legitimacy of the transaction can not be confirmed. 

I request that you investigate this dispute promptly and thoroughly. Based on the lack of authorization and the missing disclosures, I demand that you exclude the XXXX transaction from my credit report. Please notify me of the results within the timeframe mandated by the FCRA. 

If the investigation confirms my claim, I expect you to update my report and reflect the exclusion of this disputed transaction. Additionally, please provide me with a copy of the updated report. 

I understand that you are required to notify me of the results of your investigation within 30 days of receiving this letter. If I do not receive a response within that timeframe, or if I am not satisfied with your investigation, I will be forced to pursue further action as authorized by the FCRA. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account was closed. This trade line keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.
Product: Credit card

American Express is emphasizing a " pay by '' date which is 3 weeks after the statement date. They do list a " closing date '' as well, which is at the required 30 day interval but do not explain what it means. This is misleading and appears to be designed to circumvent the intent of the law. I would ask that this be addressed by the CFPB. 

XXXX examples ( from different mailings ) are attached to this submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit profile and have noticed the alleged account CAPITAL ONE BANK USA NA ) that Is reporting to the bureau ( XXXX ) with a number of Discrepancies in the alleged account ( NAME OF CREDITOR **CAPITAL ONE BANK USA NA** ), ( MINIMUM MONTHLY PAYMENT {$0.00} ), ( PAYMENT HISTORY 88 % PAYMENTS ON TIME ), ( LAST REPORTED XX/XX/2020 ), ( NO TERMS INFORMATION IS REPORTED ), ( WORSE PAYMENT XXXX DAYS LATE ), ( CONTACT ADDRESS CAPITAL ONE BANK USA NA XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX USA ). 


However, the credit bureau ( XXXX ) is reporting the alleged account as ( NAME OF CREDITOR ** CAPITAL ONE BANK USA ** ), ( MINIMUM MONTHLY PAYMENT -- ), ( PAYMENT HISTORY 90 % Payments on time ), ( LAST REPORTED XX/XX/2020 ), ( payment status : new account ), ( NO TERMS INFORMATION IS REPORTED ), ( WORST PAYMENT STATUS -- ), ( CONTACT ADDRESS : CAPITAL ONE BANK USA XXXX. XXXX  XXXX, VA XXXX USA ). 

If this is the same creditor, the information would not be different.
Product: Credit reporting or other personal consumer reports

I have been dealing with an ongoing issue regarding my account ( # XXXX ) for the past five years, with no clear resolution on who owns the debt. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, does not claim ownership of the account. However, the collection agency XXXX XXXX states they are only authorized to collect on behalf of XXXX, even though XXXX no longer owns the account. 

This situation has left me in a continuous loop, unable to determine who is actually responsible for the debt. Neither party is able to provide proper documentation verifying the true owner of the account, making it impossible for me to resolve this matter. 

I am requesting that XXXX provide a formal assessment of the debt, including confirmation of ownership and a detailed breakdown of the account history. This ongoing lack of clarity has caused unnecessary complications, and I need a resolution as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is evidence of wrongful furnishing of information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.