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

On XX/XX/year> I wrote all 3 credit bureaus a certified letter requesting that XXXX XXXX validate the debit on my credit files. They are saying this is a debit from XXXX. I requested validation of the debit showing that this was in fact my debit but never received any documentation, only an update from the credit bureaus saying it was validated. The account number that was provided on my credit file is XXXX in the amount of {$220.00}. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received no correspondence from XXXX XXXX regarding the debit validation that was sent. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Thank you, XXXX XXXX I have filed a complaint against the XXXX XXXX XXXX with the cfpb and they have still not provide information and my rights as a consumer are being violated. It was deleted from XXXX yet you continue to report. Please provide me the verification the company provided you that validated this debit
Product: Credit card or prepaid card

Citibank for the second month in a row charged me interest {XXXX} on XX/XX/2022 on Credit Card before the bill before it is due, next XX/XX/2022. 
Balance paid on time and in Full on XX/XX/2022 balance that date XXXX ; even their own statement says so. 

Most recent statement closed on XX/XX/2022 and I do not have that statement yet, but is not due until XX/XX/2022. 

Please ask the Controller of the Currency to enforce the law NOW! 

and prevent Citibank for charging my interest during the 25 day grace period when no interest is due at all. 
Second time in two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My HELOC acct with First Horizon Bank, previously XXXX XXXX XXXX  was charged-off in error in XXXX 2019. I made regular monthly payments to my acct. at the agreed upon monthly amount. XXXX never furnished me with a pymt coupon book or periodic mthly statements. Also, XXXX never sent a notice of them going to do the charge-off, therefore, I was never given an opportunity to investigate and resolve this matter before the charge-off took place. I was treated unfairly and not only has this caused my credit score to drop but I can not get approved for a new mortgage loan to finish paying off XXXX, now FHB. I still am making my regular monthly pymts while adding to my check a statement explaining that I have not received a periodic loan statement to date. I am very stressed out and frustrated that XXXX will not look into the disputed matter more and help resolve it. I have sent proof of all my payments to them, as well as once receiving a letter back from them stating that 2 of my monthly payments were never applied to my loan. They claim one of them was my fault, where my wife accidently wrote the number on top to the check wrong and the other one, FHB claims they do not know where it went. Not getting any pymt coupons or at least a monthly statement was part of the problem with writing the wrong number on the check ( by memory ). Still the bank is supposed to make sure the name of the account holder matches up and I still have not received any credit or compensation for those payments. FHB continues to report a CO monthly to the credit agencies. The errors in not crediting my acct. those payments, I believe, caused a domino affect to where my acct. stayed over due even though I was making my payments every month, it appeared I wasn't in error. I feel the bank is in violation of the FCRA and this matter needs to be investigated and resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

We are been victim or scam trying to use XXXX, in the year of XXXX. Using an app XXXX XXXX XXXX, we believed that everything was real because we open an account with them and begin to transfer money from our bank XXXX in Utah to the platforms, Coinbase, XXXX and XXXX, is a process we wire the money to Coinbase, then we have to use coinbase to transfer the money to a long adress that have numbers and letters and then money appears in XXXX XXXX and then suppose buy XXXX. 
We lost XXXX {$190.00}, we are paying debts now, because we fell for these scam, we use all our savings. 
The story is longer than these, these people are really convincing that they now what they are doing and that you are investment and everything is legal. 
If you want i can write with detail the story because is longer, so you can publish, i really feel stupid for believe, but something in my mind keep telling me something is wrong, so now i listen my brain voice. 
We write a letter to my bank, no good answer, we send letter to Coinbase, XXXX XXXX answer.
Product: Student loan

That all my payments were applied according, go repayment purposes and my credit score cleared of this debt. I have been paying a XXXX dollar loan for years the amount stays the same. I made payments up until XX/XX/2020 after being locked out online I called customer service about my account and they said my loan was default and would not give me information to get my account back in good standing. I recently obtained my credit report and I states I owe them money yet I call them and they say my account has been paid by another account. I still cant get correct information and my credit report is damaged due to them. Need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been my student loan servicer since XX/XX/XXXX since my loans were consolidated and rehabbed. There are multiple incorrect/ inconsistent late payments reporting across all 3 credit bureau with different balance and dates. Not only are the late payments incorrect, I have documentation that the account was supposed to be in forbearance or deferred at the time. The loans originated from XXXX XXXX XXXX University which is closed now due to fraud so I am unable to get any information from the institution. XXXX had the loans first they are now involved in a lawsuit. A new class action claim that was filed on XX/XX/XXXX against XXXX also included my some of the situations I've dealt with. I have reached out multiple times to try to correct my file with no action the last time was XX/XX/XXXX. Per FCRA this needs to be addressed it must be taken off my credit or adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in 2021 i reached out to all 3 credit bureaus in regards to reporting fraud accounts that were on my credit file.

PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 or other personal consumer reports

I am filing a complaint against TransUnion for failing to correct multiple inaccurate late payment notations on my credit report. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting under 15 USC 1681e ( b ) and the right to privacy under 15 USC 1681a ( 4 ). Upon reviewing my credit report, I identified six accounts where late payments were inaccurately reported and should be updated to reflect a " Paid as Agreed '' status. These accounts include XXXX XXXX ( Acct # : XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Acct # : XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX Acct XXXX XXXX XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX ( Acct # : XXXX ) with late payment from XX/XX/XXXXXXXX XXXX XXXX XXXX ( Acct # XXXX ) with late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX ; and XXXX XXXX ( Acct # : XXXX ) with a late payment in XX/XX/XXXX and XXXX XXXX. TransUnion has failed to conduct a proper investigation as required under 15 USC 1681i ( a ). Additionally, under 15 USC 1681b ( 2 ), a consumer reporting agency may only furnish a consumer report by the written instructions of the consumer. I never provided written authorization for TransUnion to report these inaccurate late payments. By failing to ensure accurate reporting, TransUnion has not only violated federal law but has also caused significant harm to me, including defamation of character, emotional distress, and financial hardship. Due to these inaccuracies, I have been unable to secure a mortgage, which has left my family in a vulnerable housing situation. I am requesting that the CFPB investigate TransUnion 's failure to comply with federal law and take immediate corrective action. I demand that TransUnion update the accounts to reflect a " Paid as Agreed '' status, provide written confirmation of the corrections, and issue an updated copy of my credit report within 14 days. TransUnions negligence in reporting and failure to correct these inaccuracies violate my rights under the FCRA, and I urge the CFPB to intervene to ensure compliance and accountability.
Product: Checking or savings account

XXXX. On XX/XX/2022 - XXXX charges were made on my Chase checking account a XXXX Retail XXXX Till in XXXX Florida XXXX charge for {$100.00} and XXXX charge for {$220.00}. The charge detail indicated these were in person charges. At the time of these charges I was on vacation in XXXX. 
XXXX. On XX/XX/2022 - Upon my return from XXXX I identified these unauthorized charges and notified Chase. They reversed the charges and provided a new debit card. 
XXXX. On XX/XX/2022 Chase denied my complaint and claimed that as these were in person charges I must be responsible. At this time I contacted Chase and spoke with a Supervisor to find out how to fight this decision as I did not make these charges. I was told to fax or mail documentation to substantiate that the charges were not completed by me. 
XXXX. On XX/XX/2022 Chase received both my written and faxed documentation with my travel documentation showing that I was in XXXX from XX/XX/XXXX XX/XX/2022 and that the card in question was in my possession and that there are no other authorized users on my account. 
XXXX. On XX/XX/2022 Chase provided another denial of my claim. I spoke with a supervisor and was told the decision was based on Chase saying my pin had been used and that my documentation was not sufficient. I asked that Chase provide me with a written explanation of what evidence was needed so I could provide that. The supervisor resubmitted my claim and request again. 
XXXX. On XX/XX/2022 Chase provided another denial and did not indicate what information was needed to prove that I was not in Florida. 
XXXX. Chase needs to correct this problem by removing the unauthorized charges from my account XXXX. Chase claim information - Date of Inquiry : XX/XX/2022 Claim Number : XXXX Card ending in : XXXX Claim related to XXXX ending in : XXXX
Product: Debt collection

I'm here again to ask for the removal of late dates and changing the status of disputed account to closed/never late from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance {$0.00}.
Product: Credit card

Someone made XXXX unauthorized purchases using my physical Capital Once Venture X credit card without my knowledge on XX/XX/2024 at a XXXX ( {$130.00} ) and a XXXX store ( {$100.00} ) in XXXX, XXXX. I was not physically in XXXX at the time and I was not aware that my physical card was stolen. However, Capital One sent me a fraud resolution letter claiming that, information we discovered leads us to believe you or another account user benefitted from the transactions. When I confronted a Capital Once agent over the phone to re-open the investigation, she said that it was my responsibility, not theirs, to rectify this crime with the merchants directly. I have been in contact with these merchants but have not heard of any updates. Im currently in the process of filing a police report with the local precinct hoping to obtain more evidence, such as footage at the stores, that I did not make these purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

XXXX XXXX XXXX
Product: Student loan

I am in XXXX  still, in deferment, so I do not have any payments on my student loan due until XX/XX/XXXX. Nelnet is aware of my deferment status and it shows on my account with them. I have records showing I do not need to make any payments until XX/XX/XXXX. 
On the bank account I used for auto payment with Nelnet, there is a statement for an NSF fee on XX/XX/XXXX. It says withdrawal for {$500.00}, Dept of Education. 
There is absolutely no reason AT ALL that I would need to pay {$500.00} for my loans or to the Department of Education for any other reason. 
I would have been charged {$500.00} just because I enabled autopay with Nelnet, and there is not even a due payment showing on my account. Now I need to dispute the fee I received for not having the money to make a payment I did not have to pay! 
The autopay feature gives a discount on the student loan payments, and taking out money irresponsibly is predatory to those who need that discount.
Product: Credit reporting or other personal consumer reports

I settled a debt with a collection agency and upon payment, I was told I would receive a letterhead providing proof of the settled debt. It has been a month now since the debt was settled and the collection agency refuses to provide me copy of this settlement. This is extremely urgent and I have attempted to contact the agency multiple times, however they will not provide me record/receipt of the settlement.

All I am asking for is a letterhead showing that I have settled this collection from the collection agency.
Product: Checking or savings account

On XX/XX/year> I was taken into police custody. I was released until XX/XX/year>. All the transactions between those dates were unauthorized. There were around 15 transactions made, totaling {$1500.00}. Some of the transactions were XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX ATM withdrawal XXXX XX/XX/XXXX ATM withdrawal XXXX XX/XX/XXXX Cash withdrawal XXXX This isnt all the transactions but some. I provided card company with police documentation stating that I was in custody. I even gave them the police report I filed once I was released.
Product: Credit reporting or other personal consumer reports

After numerous attempts, I am writing to formally demand the immediate deletion of fraudulent accounts and inquiries that appear on my XXXX & Transunion credit profile. As a documented victim of identity theft, I am protected under the Fair Credit Reporting Act ( FCRA ), CFPB and the guidance provided by the Attorney Generals Office concerning victims of these crimes. XXXX XXXX Transunion is legally obligated to act promptly to ensure these fraudulent accounts are permanently removed. 
After years of numerous attempts to work with XXXX XXXX Transunion in unsuccessful outcomes in sham investigations. XXXX XXXX Transunion, you have violated the FCRAs and CFPB requirement for handling my disputes, which has caused me great damage, as a consumer, great suffering and harm to my way of living by : Improperly reinserting very inaccurate information on my credit report. 
Conducting sham investigations that has failed to properly address and correct my disputes time and time again. 
I cant obtain a good vehicle or a home mortgage, due to these circumstances.
Product: Debt collection

I currently have XXXX private student loans which were sold to debt collection agencies. The first loan has sent me an invoice with what I owe, total interest, a breakdown of monthly payments due, and when my loan will be paid off. The second loan is with an unregulated debt collection office called Gaba Law Corporation. The only actual lawyer there is the owner and the XXXX people I have dealt with are not lawyers. When I ask them for info on what interest will be charged and how much interest I have paid up to date, they do not give me straight answers. The person who handles my file is very short with me and instead of giving clear info like how much interest I paid for the month or by when my loan will be paid off, he sends me short, irritated emails with vague information. In XXXX my balance was {$7200.00} and I have since paid {$470.00}. My balance is now {$7000.00}. Only 40 % of my money went to principal. 
My other debt has charged me 10 % for the total amount owed annually, so it 's a set amount for the year and I make monthly payments which lowers the principal substantially. Gaga Law Corp. charges this 10 % interest per day, and changes the amount every single day so I can never keep up with what I have paid and what I owe. As far as i 'm concerned with what I can afford to pay them I 'll be paying them for countless years considering the amount of interest I am being charged. I have emails proving all of this information above showing the vague, unhelpful, rude emails they send me when I ask for simple information.