23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

My payments were to be XXXX XXXX  monthly when I signed the agreement. Upon first payment they took out {$780.00}. And now my agreement says {$780.00} a month for 12 months. I was never emailed the original agreement and I can not get it on the website.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have been unable to access my free annual credit report through TransUnions website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account.

Key Details : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account.

Customer Service : I have contacted TransUnions customer service, but no resolution was provided.

Dispute Access Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws.

Laws Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law.

3. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ). 
XXXX. XXXX XXXX XXXX XXXX and Consumer Protection Act : TransUnions practices may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes.

5. Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially
preventing me from accessing my credit history.

7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).
Product: Checking or savings account

from XX/XX/XXXX to XX/XX/XXXX overdraft fee, and taking monies for company not authorize and charging fee like bounce check
Product: Credit card or prepaid card

I paid off an American Express XXXX card in XXXX of XXXX. They sent a replacement card that summer but I did not activate it. Since then, they have been charging me the annual fee in XXXX, XXXX and XXXX. 

When I called in, they cancelled the card but only gave me the XXXX money back. I know it is small, but I did not activate the XXXX card. In the past, I have tried to investigate this but the website does not allow me to log in and does not recognize any of my emails that might have been tied to the card. They still billed me. I know that I should have called in sooner, but these fees are so automatic and hidden in the course of everyday life. And my family was hit hard by covid. 

I find it frustrating that AmEx fine print says I have to call in to cancel. Not activating a card seems like cancelling to me. Also, the only card sent to me was in XXXX. None in XXXX or XXXX. That would have alerted me if they had sent out cards. 

Right now, I paid {$100.00} in XXXX and {$99.00} in XXXX. They have refunded me XXXX payment. 

Thank you for listening. Where would we be without you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX you furnished alleged transaction on my TransUnion Credit Report that you identified as late in this account ( XXXX XXXX XXXX ) : ( Account Number : XXXX ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law. I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or Delete and Remove the transaction you have listed as late on the account below : ( XXXX XXXX XXXX ) : ( Account Number : XXXX )
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information for my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately provide proof to consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXX/XX/XXXX Account name : XX/XX/XXXX XX/XX/XXXXAccount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I filed complaint XXXX when I had a previous issue with my escrow account. As a result, my account was manually credited for property taxes that were paid when I requested that they not be paid and my escrow account was closed. Now, XXXX is subtracting that credit from the zero balance of the closed escrow account, resulting in a negative balance and an increase to my mortgage premium to cover that balance. I feel that it's pretty unethical to fix a problem that was a result of their error just to close out a complaint and then try to charge that amount back later.
Product: Credit reporting or other personal consumer reports

you to take action and remove it from my credit report. 

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX  XXXX {$360.00} has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( XXXX ) 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. 

Experian continues to violate my rights with this creditor. Documentation has been submitted on multiple occasions and removed just for experian to violate my rights. This account has been proved fraudulent.
Product: Mortgage

On XXXX/XXXX/2016 I received a debt validation notice from XXXX XXXX XXXX stating I owe {$580000.00} for my home. I never got a phone call letter nothing. The loan servicing company is Di Tech. I mailed {$2100.00} and I have XXXX on a suspense account. The refuse to accept my payments and are demanding {$9300.00}. to cure the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information no knowledge of accounts on the breach of Equifax sent po report XXXX XXXX
Product: Debt collection

XXXX XXXXAfni Account # XXXX XXXX, 2015I am writing because I would like to open an investigation against Afni Collections, ( a debt collection agency for XXXX ), at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX . The reason for the request, is that there was an account opened with XXXX, at an address that I NEVER resided at- as the account was not opened by me. 

The discovery was made, when I went to apply for credit and was denied. After reviewing my credit profile I realized there was a collection account on my profile for an account that I had not opened. 

I called the collection agency associated with the account ( AFNI ), to advise them of the discrepancy, and inform them that the debt was not mine, and that I never resided at the address that the service was opened. I also advised them that I was upset that my credit was affected as a result, and maintaining a good credit profile was is important to me. I was advised to pay the debt, and I felt the only way to regain good standing with my credit profile was to pay the debt ( even though I did not open the account. ). 

I offered to make a settlement on the account, they did not accept the settlement amount that I offered, and provided a counter offer. I eventually accepted and paid the counter offer- because I was desperate to preserve my credit profile. 

Afni advised that they would NOT remove the item from my profile, because this is NOT what they do- ( even though I made EVERYONE I spoke with aware that I did NOT open the account, and NEVER resided at the address where service was opened ). Because I felt I had no other recourse to attempt to restore my credit, I paid the settlement amount. I stated that this was not fair because I NEVER LIVED at the address where service was opened. 

During my initial telephone conversation with AFNI ( XXXX XXXX, 2015 ) - I gave them my address and telephone number, ( the ONLY address I have resided at for the last 5 years ). Shortly there after, I received a letter dated XXXX XXXX, 2015- stating that I had 30 days to reply to the letter, or they would assume that the debt was valid, and report it to the credit bureaus. However, they had ALREADY reported the debt to the credit reporting agencies- prior to me receiving the letter- giving me NO opportunity to respond- AND they advised me that they would NOT remove the item from my credit report. 

Tell them that you are requesting that this agency be required to remove this item from tourncredit entirely and be instructed to stop extorting funds from people under the threat that they will and can ruin their credit. 

At this time I am requesting that this agency be required to remove this item from my credit report entirely, and be instructed to stop extorting funds from people under the threat that they will ( and can ) ruin their credit!!!! 

Again, I am also requesting that the practices of this agency be investigated, as I am certain that they are in complete violation of the FTC Consumer Protection act, and the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!
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 show transparency for how Zelle operated in regards to no refund policy and warnings when sending money. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.
Product: Debt collection

I utilized the Federal Trade Commission Identity Theft website to generate and send a letter to the collection agent stating that charges made to the account ( s ) in question were the result of fraud/identity theft. In accordance with the FCRA, and as clearly outlined in the letter ( s ) sent on XXXX XXXX XXXX the following was requested ( and ignored ) by the collection agency, specifically : " I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks.

Please send me copies of all records relating to the account, including : - Account applications made on paper, online, or by telephone - Account statements or invoices - Records of payment or charge slips - Delivery addresses associated with the account - Records of phone numbers used to activate or access the account - Signatures on applications and accounts - Investigators report Please send me a letter explaining what you have done to : - Inform the business where the account was opened that the debt is the result of identity theft - Stop collection activities against me - Stop reporting information about the debt to credit reporting agencies- If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft - Provide me with the records I request '' To date, the collection agency has ignored these requests and have failed to provide any documentation requested, or cease collection activity against me for the two accounts they currently hold. The debt ( s ) are, as of XXXX XXXX XXXX still reporting as owed and no notation has been made by creditor or the reporting agencies to specify that these charges were the result of fraud/theft. The collection agency in question continues to contact me in an attempt to collect a debt that I do not owe and did not authorize.

To date, the collection agency and their attorney/servicer have been provided with : - FTC Identity Theft Report - Proof of Identity - Notice to Furnishers of Information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a closed account that Has been closed since XX/XX/XXXX. XXXX XXXX. XXXX was a co card holder on this account, and XXXX XXXX XXXX was the primary account holder. 

As of today XX/XX/XXXX, Sams club synchrony bank reported the month of XXXX as NA which is not legal and following the fair credit reporting act. Payments are made on time even though this is a closed account. 

This needs to be reported as paid. 

Attached are screen shots of XXXX XXXX XXXX, experian report showing this unlawful NA under samsclub synchrony bank. 

Also attached is payment history showing on time payments. 

We object to this NA as its required to say paid We, XXXX XXXX XXXX and XXXX XXXX XXXX, reserve all rights. This complaint does no require any phone calls as this account is closed with a current balance and paid as agreed. This is a credit reporting issue. 

By law they are required to say paid for all months for on time payments ... until balance is paid in full. This is a unlawful reporting by samsclub synchrony bank
Product: Payday loan, title loan, or personal loan

Capital One Auto Financing : Purposely delays crediting customer accounts in order to accrue more interest owed on principal. Monies were transmitted electronically from XXXX to Capital One XXXX XXXX. On XXXX XXXX ( the 2nd business day after the holiday ) XXXX marked it " completed, '' meaning the transaction was confirmed that it arrived at the destination and was accepted. Every day after that, I called and chatted with Capital One, was put on hold while they checked and was told each time that their system had no record of my payment. When asked how long it takes for an electronic payment to post, the Capital One person said, " Oh, it's automatic, in one or two days. '' It is now 8 days ( 5 full business days ) and I literally watch the interest accrue on my account about {$2.00} every 24 hours. I know that's a small amount but if you multiply that by millions of customers, that's a lot of money! They use the excuse of " the holidays '' to generate more interest. I had XXXX draft a letter and I faxed it to Capital One. I have no doubt they will eventually post my payment but I find this purposeful delay practice horrible in an economy when every penny counts. Shame on Capital One!
Product: Debt collection

Today, XX/XX/XXXX, I received a call from a collection agency called XXXX in XXXX. They tried to collect {$100.00} they claim I owe to XXXX. I have not been a customer of XXXX since XXXX of XXXX. I have a bank record showing my regular payments to XXXX and how they stopped in XXXX when I moved. I did not owe them any money when I ended their service at that time. I returned all of their equipment, and I have not done business with them since. The representative of XXXX  was not able to give me any information about this debt. She had no idea when or why XXXX claims I incurred it. All she could say was that XXXX acquired the debt on XX/XX/XXXX. I do not have a problem with XXXX. I think they are a victim here too. 

In XXXX of XXXX a company called XXXX XXXX XXXX put {$100.00} debt on my XXXX credit report on behalf of XXXX. I never got a call or letter from anyone about the debt, it just showed up directly on my credit report. I disputed it at the time with XXXX, and it was removed from my credit report immediately. I have a screenshot from my XXXX account to show that information. 

This cant keep coming back. I never owed them this money. At no point did XXXX contact me directly about this debt. They just sell it to collection agencies and try to damage my credit. I need your help to make XXXX stop trying to collect this debt I never owed. They cant be allowed to bring this back after 5 years.