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

I sent a certified letter to TransUnion dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. I waited 34 days to verify TransUnion violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. I sent another certified letter to TransUnion stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to TransUnion, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. TransUnion has disregarded my proof of the violation of law and refuses to remove this trade-line.
Product: Debt collection

HAVE AN OLD DEBT WITH XXXX.HAVE BEEN MAKING MOTHLY PAYMENTS OF {$100.00} TO XXXX.GETTING NO ACKNOWLEDMENT OF PAYMENT.NOW I GET A COLLECTION STATEMENT FROM XXXX WANTING PAYMENT FOR MUCH MORE THAN I OWE.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX/DOFED ) was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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.

( XXXX/DOFED ) 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!

Delete the late payments from my consumer reports
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

Please remove any and all freezes, remarks and fraud alerts from my credit file.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account appearing on my credit report. The account in question has not reported the name on Equifax but it reports on XXXX XXXX XXXX XXXX XXXX but it reports the account number XXXX I have attached a copy of my credit report with the collection account. 

On XX/XX/2024, I contacted XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ) regarding this collection account. Subsequently, on XX/XX/2024, I received a response from XXXX XXXX XXXX acknowledging my inquiry and stating that they were investigating the matter. However, since then, I have not received any further communication or updates regarding the investigation. 

According to the Fair Credit Reporting Act ( FCRA ), creditors have 30 days to investigate and respond to disputes initiated by consumers. It has now been over 30 days since XXXX XXXX XXXX acknowledged my dispute, yet I have not received any resolution or verification of the debt as required by law. 

Furthermore, I would like to bring to your attention the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. This statute mandates that debt collectors must provide consumers with certain information within five days of initial communication, including the amount of the debt, the name of the creditor, and the consumer 's rights to dispute the debt. To date, I have not received any such communication from XXXX XXXX XXXX as required by law. 

Therefore, I am requesting that Equifax remove the disputed collection account from my credit report immediately due to the creditor 's violation of both the FCRA and the FDCPA. I expect a prompt investigation into this matter and a resolution within the legally mandated timeframe.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX off XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Collection XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} Collection FST XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1200.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX  account # XXXX, and XXXX # XXXX. 

15 U.S. Code 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: Checking or savings account

My husband and I have been a banking member of TD bank for about 8 years. We not only have a business checking and savings account but also opened a personal checking and savings account with them. We have never had an overdraft, negative balance or any issues that were ever raised with the bank during this time. On Monday XX/XX/2022 we both received separate letters from the " demarketing '' at TD Bank notifying us that they are closing all of our accounts XXXX week of XXXX and the letter provided only a phone number that went to voicemail. No reason was cited and we initially thought the letters were some type of fraud scheme. After leaving approximately 6 voicemails to the number listed on the letter ; i called the customer service number on the back of the card and was advised to speak with a local branch manager. I reached out to a local branch manager who emailed the department because there is no direct contact with them client facing or at the branch level. My husband works in the XXXX XXXX, I, myself have a XXXX XXXX  and we are fully aware of XXXX issues that occurs nationwide; but the bank refused to explain anything other than " they reserve the right to close without issuing a reason, '' which is totally unprofessional and left us feeling a bit like criminals. We currently have a professional medical business account with them and closing our account without any dialogue and appropriate time ( less than three weeks ) is one of the worst experiences I have had with a bank. Understanding business is business we at a minimum after 8 years would appreciate an opportunity to discuss the issue they are seeing and allow us the opportunity to maintain the relationship if we can explain, rectify or even demonstrate they are wrong. After digging into TD 's reviews and practices, it appears that this happens regularly and people never hear back or are never given an opportunity to clarify if the bank is mistaken in its assumptions. We are now in a bind to open another bank account and transfer all of our normal operations over within a short time. In writing this I am hoping TD reaches out to me and affords us the opportunity to work with them in maintaining our accounts and allowing us to correct any issues. Reference # XXXX
Product: Checking or savings account

On XXXXXXXX XXXX XXXX, I was charged a " monthly fee '' of {$25.00} even though Chase advertises that you need to have at least $ XXXX in the account for the fee to be waived. I have over $ XXXX in the account and yet Chase refuses to remove the " monthly fee. '' Chase discriminates against minorities by charging these ridiculous fees. Chase is making substantial interest off of MY money and charging me a monthly fee even though I am over the minimum amount to NOT be charged a monthly fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX received my tender of payment on an account, kept it ( theft and fraud ), didn't credit my account, closed all 3 of my XXXX  XXXX accounts, added late charges and reported incorrect balances on my consumer report. XXXX  XXXX dishonored a lawful tender of payment. 

XXXX XXXX is in violation of 15 U.S.C 1691c ( adverse action against a consumer )., 15 USC1691- Adverse Action and discrimination against me, 15USC1681 ( S ) ( 2 ) - Willfully reporting inaccurate information to a consumer reporting agency. XXXX XXXX kept my payment and didnt apply it to my account.18 USC CHAPTER 47- Fraud and false statements I am aware and know that any transaction to discharge debt liability is in accordance and compliance with UCC 3-104, 3-311, 3-603, 3-415, 1-304 and that any documents transmitted on behalf of the debtor to discharge debt liability on behalf of the debtor are in full accord with HJR 192 ( June 5, 1933 ), Public Law 73-10, UCC 3-419, 3-11, 3-603, 3-415, 1-104 and 10-104/2A-104. 

I have been met with resistance in a matter that shouldn't be this hard to remedy. If federal laws are not upheld I will initiate the litigation process against XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Started equity line of credit on XXXX XXXX for {$85000.00} and left messages with assigned loan banker and her XXXX and never received a call back this went on for 4 days. 
So on Monday XX/XX/XXXX called XXXX XXXX  customer service department and was told it was denied. So I called again and was told that it was not denied and that we just needed to complete the application process which we had already done. 

Then when asking again for the status I told them my name and they already new that it was a co application with my husband and refused to talk with me but would talk with him. Talk about discrimination we were both upset..
Product: Credit reporting, credit repair services, or other personal consumer reports

APPEARING ON MY EXPERIAN REPORT, XXXX/XXXX  ACCT.NO.XXXX, IS being wrongfully reported as the result of a XXXX dollar billing dispute with XXXX.My credit history is destroyed by this single item.XXXX in addition balance chased and charged fees that are illegal.
Product: Credit reporting or other personal consumer reports

That company put information on my name when I never used that company.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my Equifax credit report that need to be removed.
Product: Credit reporting or other personal consumer reports

After receiving response that my account/debt was verified. I sent in a MOV letter on XX/XX/23 to all 3 credit reporting agencies regarding numerous account ( all will be attached to this complaint and where also attached to my dispute letters ) based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who the spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the MOV dispute letter.. This is a violation of the FCRA. Also this creditor is in violation os 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.
Product: Credit card

Earlier in the year I purchased airfare from XXXX XXXX. Now, as of yesterday XXXX has issued a refund for part of that airfare. This was paid for via PayPal Credit which has credit provided by Synchrony.

I have contacted Synchrony and tried to find out where my money is. They explained that it can take 3-5 days for it to post to my Synchrony account from PayPal Credit . I understand that timeframe so up to now we are good.

However, when the funds do show up in the Synchrony account I am told that any refund of those fund will happen via check. Why in the 21st century can I not get my money refunded in the EXACT same method as I provided it to the that company?!

While this might a 'normal ' thing I think that consumers deserve more. We are always expected to save these companies money by going paperless, and the like, but it seems that the companies are not reciprocating. This needs to stop and the consumer needs to be heard and made whole - so to speak.
Product: Student loan

I initiated PSLF forgiveness with XXXX in XXXX of XXXX. All appropriate documentation was submitted with employment verification of 10 years and more than XXXX payments. XXXX made a clerical error in copying the beginning date of employment to their system thus making it appear that I only had XXXX payments qualifying. I reached out and spoke with a representative who agreed that a clerical error had been made and she requested a review and assured me this would be fixed within XXXX business days. This did not happen and then my loans were transferred to Mohela. I attempted to contact Mohela first on XX/XX/XXXX with no response. A second inquiry was made on XX/XX/XXXX with no response. I have attempted to call on multiple occasions but sit on hold for hours without being able to reach a person. I decided to reach back out to XXXX and spoke with employee XXXX # XXXX. She informed me that my loans indeed had been transferred and that a review would take place by Mohela but could not give me a contact at the company or any way of pursuing further communication. I have had no communication from Mohela and the PSLF certification process is now entering it's XXXX month!!! This level of customer service would be abysmal for something very minor, but we are talking about thousands of dollars in this case. I am beyond frustrated at this process.
Product: Prepaid card

In order for me to get access to my money, I have to accept the terms of a prepaid card from the XXXX data breach settlement. I don't want a prepaid card ; I want a check. They will give you a virtual prepaid card, but I want a physical card. I can request a physical card but that will cost me {$6.00}. Why should I have to pay money to get my money? This is crazy. I don't use my phone to swipe anything at a store. I shouldn't have to. This " myprepaidcard.com '' website is a scam. I have to A ) sign their agreement in order to get access to my money B ) by doing so, I must agree to their terms which C ) will cost me {$6.00} to get a physical card, and D ) they will charge me {$6.00} if I don't use the virtual card for XXXX months. E ) There is also an expiration date on my virtual card, so I have so many days to use my prepaid card. It's a scam. What happens when I forget that I have $ on a virtual card somewhere? They charge me for not using it. And if I wanted to get a physical card so I don't forget to use it, they charge me for that. There is no winning here for regular people! Either give me a check or send me a physical card to use. My phone is old, I don't use a virtual wallet, and I MUST agreeing to terms that I don't agree with in order to even get my money. Oh, and here is another kicker ... F ) The access code that you are given has an expiration date on it as well. So, if I fail to agree to their terms, they get keep my money because my link is expired, and I forfeit my cash. 
Who in the XXXX XXXX agreed to let these XXXX 's do business in finance!? They are going to keep millions of dollars from people forgetting to claim their cash, or not using their cash, or wanting a physical card to remind them to use their cash... This is criminal!
Product: Payday loan, title loan, personal loan, or advance loan

I was looking over my report and I noticed these accounts are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) In addition they coerced me with deceiving sales tactics. They said it would only be $ XXXX when I see its $ XXXX
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT / TOO MANY IQUIRIES NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX