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

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently received a hard inquiry on XX/XX/2022 at approximately XXXX California time regarding a credit application which I did not submit. I received a security code which I have placed on all inquiries and immediately went to review on my XXXX XXXX account. Possible fraud on my account and information. Tried contacting the XXXX XXXX  directly but could not get through to speak to anyone live.
Product: Checking or savings account

I had opened a bank account with Bank of America onXX/XX/XXXX. At that time, I had XXXX XXXX and XXXX XXXX as well. I opened the account because I was told by a family member to do so, so that I can apply for a credit card through the bank and help build my credit. I never got around to doing so because I had four jobs around that time. I am not sure when but my card goes missing and then I went into Bank of America to report it missing and file a claim with the fraud department. In fewer words they told me that there is nothing they can do and I am responsible for the negative balance of {$13000.00}, because the two states are so close I could have transacted the transactions. I left feeling like this was all a plot against me one because Im young, and the other because I am a XXXX woman. They didnt look at the facts, sometime later I received a letter in the mail stating that I had a XXXX balance, so I thought they had credit my account {$13000.00} because they reviewed the case again and realized it was not me. In XX/XX/XXXX I applied to open a XXXX XXXX XXXX XXXX account and I was denied because the charge for the {$13000.00} was on my consumer report. I thought it had gone away. So I went to the Bank of America closest to my house in XXXX XXXX, CA and I sat with a banker and we called the fraud department and they told me that I previously stated that I knew where the charges had come from and I authorized them. I never said that, and why would I file a claim and then state that I knew where the charges came from, that makes no sense. Following that I had XXXX XXXX investigate the matter with proof that I was at work during the times of the transactions and Bank of America said that they initial findings are correct. I looked at the statements myself and there are about two days that there were transactions in CA and I was not at work. I was more than likely at school at XXXX XXXX University AZ. I have proof of me clocking in a nd out of work.
Product: Credit card

I have had to have an attorney file bankruptcy on my behalf due to unforseen circumstances. My bankruptcy petition was filed on XX/XX/XXXX. All creditors were promptly notified and all creditors except Synchrony ceased collection efforts. I have three store cards through Synchrony ( XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ) and they continue to send payment reminders, allow login to the online portal and state that payment is due soon on each account. I have tried to contact them through the chat feature but it was not working properly. I would like for them to stop collection efforts.
Product: Debt collection

I called IQ Data on XX/XX/19 and spoke with XXXX and he assured me that once payment was made collection will be removed and email confirmation will be sent over confirming that debt was taken care of and removed from my credit report file. We are now on day 11 and I've been hung up on and transferred trying to retrieve/check the status of the email confirmation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX XXXXXXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my MIB report, under the Fair Credit Reporting Act. I am requesting a copy of my MIB report sent to me via mail.
Product: Credit card or prepaid card

I purchased concert tickets in XX/XX/XXXX on a Chase credit card. That credit card account was subsequently closed later in XXXX. The concert was finally canceled in XXXX due to the on-going pandemic. The merchant, XXXX, has issued a refund to the original form of payment ( the card closed in XXXX ). Chase accepted the refund ( attached screenshot from merchant system ), but since the account is closed they can not locate it in their system to give me a refund via check. Chase is holding {$530.00} of my money which they can not locate and will not refund. The merchant says they have no additional action they can take since the bank accepted the refund.
Product: Credit reporting or other personal consumer reports

I want to stress that I did not authorize these accounts, and their existence is causing me significant distress.
Product: Payday loan, title loan, personal loan, or advance loan

Installment loan. Late fees are extremely high and charge ON THE DATE PAYMENT IS DUE and not after. There is also no grace period to make payment without incurring a fee. Which is intentional. This product is essentially a buy now, pay later where if you pay off loan in predetermined time-frame there is no interest charged. It is clear that the intent of the product is to charge as many fees to the balance as possible ( Fees are {$40.00} ) so that they can run out the clock and begin to charge interest as ON TOP OF THE FEES. 
Predatory lending at its plainest.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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.

TRANSUNION 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: Bank account or service

On XX/XX/XXXX I made a purchase from an online business called XXXX & since I 'm a XXXX ( I work for XXXX ) I utilized a website called " XXXX XXXX ) to initiate a discretionary allotment to have {$43.00} deducted from my paycheck every pay period ( every XXXX weeks ) sent to the financial institution XXXX designated which is XXXX XXXX. however I then learned that the RTN I used to establish my allotment is actually for TD Bank NA. On XX/XX/XXXX, I input the correct data ( again using XXXX XXXX ) and took action to redirect the allotment of {$43.00} per pay period to XXXX XXXX. At th time I THOUGHT I had terminated the erroneous allotment to TD Bank. Unfortunately today I learned that the alllotement never stopped and that since XX/XX/XXXX, {$43.00} has been deducted from my pay & sent to TD BANK ... for no reason whatsoever. 
After, confirming that the correct payment & allotment I input when I changed the deduction to send XXXX their payment was, in fact, input correctly ( this was confirmed by virtue of the fact that I have a remaining balance of {$190.00} on my purchase, I then undertook the task of contacting TD Bank to determine why they were holding onto monies sent via an allotment every into an account that I have absolutely no connection to. I tried to speak with them, providing more than enugh identifying information for myself as well as the RTN, Account number, typw of account and EVEN EACH AND EVERY DATE PERTINIENT TO THE TRASNACTION/ISSUE : 1 ) The date the initial payment was sent ; 2 ) Each and every date a payment was made ; 3 ) ANY date wherein an action of any kind took place ( I was able to do this because XXXX XXXX keeps detailed records pertaining to any inputs and/or transaction that take place associated with my account. 
Despite all this they refused to provide me with any inforation pertaining to the ownership of the account - something that is absloutely necessary for me to know in order to be able to contact the entity holding those monies & have them remitted.
Product: Credit reporting or other personal consumer reports

Trans Union suddenly dropped my FICO score by XXXX points without notifying me of any issues or disputes from any source or company. Why can they arbitrarily change a consumer 's report without ANY reason?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to equifax certified mail they received XX/XX/2022. In regards to a collection account XXXX XXXX  on my credit file.VIolations committed against me included by not limited too : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) : Furnishing certain deceptive forms ( you are not a party in the XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX  ) ( XXXX ) : certifiable validation and verification of alleged debts XXXX XXXX XXXX XXXX ; unfair practices attempting XXXX on alleged debt XXXX XXXX XXXX XXXX ( XXXX ) : False representation XXXX not a party to alleged debt by my consent ). 
XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX distribution of communication with authorization or approval XXXX XXXX XXXX XXXX ( XXXX ) XXXX communication without prior consent, expressed permission XXXX XXXX XXXX XXXX ( XXXX ) : communication XXXX prior consent, expressed permission XXXX XXXX XXXX XXXX : harass and oppressive use of XXXX XXXX an alleged debt XXXX XXXX XXXX XXXX ( XXXX ) : attacking my reputation accusing me of owing an alleged debt XXXX XXXX XXXX XXXX ( XXXX ) : use of obscene and profane language on my reports saying i owe these alleged companies. 
XXXX XXXX XXXX XXXX XXXX XXXX ) : Communicating false information XXXXInvasion of individual and family privacy XXXX XXXX : obtaining personal identification information without prior consent and creating an account in my name without my knowledge Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) states they have XXXX days to provide the procedure used to determine accuracy of account if XXXX asks for it failure to provide this information is violation of XXXX. XXXX deleted as they couldnt provide the proper documentation I requested.
Product: Mortgage

I submitted a complaint on XX/XX/10 and recieved a response from Amerisave, with wrong information and they also told me they were preparing to send my paperwork out that week and would receive them the next week and the beginning of the week. It is now mid week and i still have not received anything. So I called Amerisave to check the status and was told by the rep, there had been absolutley no update to my account. No paperwork had been prepared.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I dont owe this company any money. The debt that they are trying to collect is not my debt.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 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: Credit reporting or other personal consumer reports

I have requested my report several times they have yet to respond or send my report its being used without my permission. I haven't been able to identify if the report is accurate, I have been denied for an apartment which has caused damage.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion and XXXX for failing to properly investigate and correct unauthorized student loan accounts on my credit report. 

I discovered that XXXX has reported student loan accounts to TransUnion without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The U.S. Department of Education can not assign permissible purpose to a third party, making this an unlawful disclosure of my personally identifiable financial information. 

I sent formal disputes to TransUnion requesting the removal of these unauthorized accounts and documentation verifying that I had consented to this reporting. I also cited 18 U.S.C. 1028A ( Aggravated Identity Theft ) due to the unauthorized use of my private information. 

TransUnion 's Failure to Comply : 1. Failure to Verify Authorization : TransUnion has not provided any documentation proving I signed a contract permitting XXXX to report these accounts. 

2. Failure to Remove Unauthorized Accounts : Despite being notified that this reporting was improper, TransUnion continues to report these accounts, damaging my credit. 

3. Noncompliance with FCRA ( 15 U.S.C. 1681i ) : TransUnion has failed to conduct a proper investigation and correct this error within the legally required 30-day timeframe. 


If this issue is not resolved promptly, I am prepared to take further action, including filing a complaint with my state Attorney General 's Office and pursuing legal remedies.
Product: Checking or savings account

I was supposed to receive my direct deposit by Friday, XXXX XXXX at the latest but as you know, there were issues with direct deposits so I never received the {$470.00} that I was supposed to. My manager called the payroll company, XXXX, on Saturday XXXX XXXX and was told we would have a deposit within the hour. It was longer than that but I finally received a deposit of {$460.00} which was an incorrect amount. I let it go and discussed it with my manager. Then, come Tuesday XXXX my account was ''preauthorized debited '' in the amount of {$470.00} which then put my account into the negative and I received an overdraft fee of {$35.00}. I called my bank, Citizens Bank, and they reversed that fee for me but still NO paycheck. I've been promised now the past FOUR days that I would have my {$470.00} back into my account by the end of the day starting Tuesday XX/XX/XXXX. Still nothing and now a new overdraft fee of {$35.00} because even with THIS weeks deposit, I'm still in the negative with no date or time or info as to when I will be receiving my money that I worked for BACK!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA, XXXX Subject : Request for Method of Verification Dear Transunion, I am writing to formally address an issue concerning my recent credit report. I requested a verification method for the information that was provided in my credit file. However, I have yet to receive any details or explanation regarding the process of verification for the disputed items XXXX XXXX XXXX account number # XXXX and XXXX XXXX account # XXXX and XXXX XXXX XXXX acct # XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report, and the credit bureau is required to respond with the proper method of verification. As part of this process, I would like you to provide a clear explanation of how the disputed information was verified, or to remove the inaccurate entries if proper verification was not conducted. Please respond to this request within the required 30-day period from the receipt of this letter. If I do not receive a satisfactory response, I will be forced to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering further legal action to protect my rights under the FCRA. Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. Sincerely, XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have customized cash rewards credit card with Bank of America. My statement cycle ends on XXXX of every month. 

I made a purchase with my credit card on XXXX XX/XX/2022, at XXXX. In the statement I received on XXXX XX/XX/2022. I was charged interest. 

I reached out to Bank of America credit card customer service. They didn't provide me proper information on why I was charged interest. That too before the statement closing date. Also rudely disconnected my call on XXXX XX/XX/2022 when I asked them information on how the interest was calculated. They failed to provide the information.