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

I have already sent a letter to the Equifax bureau requesting the removal of the inaccurate personal information, accounts, and inquiries reporting on my credit file but the account and inquiry listed below are still reporting on my credit report and are violating Federal Law. Equifax Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these accounts and inquiries completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps adding a ( XXXX XXXX to end of my name MY names is XXXX XXXX as to the letter sent out on XX/XX/2019 error after error with Equifax
Product: Debt collection

I go to see how much my paycheck was on XXXX/XXXX/15 and noticed a garnishment from my check!?? I had no idea what it was for. I found that I was taken to court, under my previously married name ( I 'm now divorced & remarried ). What a surprise, I was never notified! They had the wrong address, even in the court record events it was noted " unclaimed/undelivered mail-not deliverable as addressed, does not live here. '' Apparently I do n't have the right to be informed, they just proceed with a hearing anyway?! A judgement was entered for {$1000.00}. I have no idea what it 's for.
Product: Credit reporting or other personal consumer reports

The following credit report companies failed to investigate the following disputes. 

Equifax and Experian I've contacted these companies numerous times regarding these claims XXXX XXXX {$1000.00} XXXX {$240.00} XXXX XXXX XXXX {$2400.00} I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agencies, it remains unresolved. I request immediate of these items, as it is incorrect and does not reflect my true credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

Transunion- XXXX XXXX : XXXX - Delivery Date : XXXX XXXX I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Product: Credit reporting or other personal consumer reports

This is my fourth time disputing this account with TransUnion LLC Consumer Dispute Center and I the consumer have not received one piece of evidence that proof this account is being reported accurately. Under the FCRA consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I want is for TransUnion LLC Consumer Dispute Center to treat me with fairness by compiling with the LAW. 

All the late payments under this account XXXX XXXX Account # XXXX is being reported inaccurate can you please update every late payment paid as agreed or provide me with all the evidence per 15 USC 1666b ( a ) and proof of the notices per 15 USC 1681s-2 ( 7 ) ( A ) ( B ) and 15 USC 1681i ( 6 ) ( A ) ( iii ).

If you choose not to comply you will be in violation of 15 U.S. Code 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation. 

MY NEXT STEP IS TO FILE A LAWSUIT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 


Personal Information - Aliases - Delete XXXX, XXXX, 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 an account without my written instructions. 

Delete Aliases {$1000.00} per violation. 


ADDRESS XXXX XXXX XXXX XXXX, Sc 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 an account without my written instructions. 

Delete Aliases {$1000.00} per violation PUBLIC INFORMATION Account Name - U.S. Bankruptcy Court XXXX  XXXX  BANKRUPTCY Account Number - 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 an account without my written instructions. 

Delete account {$1000.00} per violation Account Name - U.S. Bankruptcy Court XXXX  XXXX BANKRUPTCY Account Number - 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 an account without my written instructions. 

Delete account {$1000.00} per violation Account Name - U.S. Bankruptcy Court XXXX  XXXX BANKRUPTCY Account Number - 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 an account without my written instructions. 

Delete account {$1000.00} per violation INQUIRIES XXXX 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 an account without my written instructions. 

Delete account {$1000.00} per violation XXXX 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 an account without my written instructions. 

Delete account {$1000.00} per violation
Product: Student loan

On XX/XX/2016 I called to request my payment to be increased to pay all my loans off in XXXX mo 's. The representative stated it will be {$790.00} in total. On XX/XX/2016, they pulled {$850.00}, a {$64.00} difference. On XX/XX/2016 I called Navient to request the correct payment and a refund of the {$64.00}. I asked the representative to recalculate my payment so that it could be paid off in XXXX years, and she stated that they miscalculated my payment before and she needed to correct it. She stated my total payment is now going to be {$750.00} .After a XXXX minute call and escalating the issue twice to a supervisor I was approved the refund for {$64.00} and they stated that it would put my account in delinquent status but that status will fall off in a few days. As of XXXX today, my account is still in red despite the fact it was paid. I was told the {$64.00} would credit my account on XX/XX/2016, and no such credit is received. Furthermore, I know the payment of {$750.00} is incorrect because the statement I was issued from them shows a payment term of XXXX months, not XXXX as I requested twice before. I also see on my statement they changed my repayment terms, which might mean I am no longer able to just pay the minimum if I wish to no longer pay my loan aggressively. 
My goal is to have a XXXX month payment amount but not have that be what my minimum required payment amount is. I do n't want them to change the loan terms, but to keep the original agreement I signed in my promissory note to XXXX XXXX before Navient started servicing it. I am increasing my payments to them, so I do n't see why they have to mark me as delinquent and lie to me and say that my payment is XXXX months when looking at my statement it is XXXX months. 
I am employed at a financial institution where I process loans. I am appalled by their behavior and their refusal to correctly calculate payments. They threatened to put my loan as delinquent when I asked for the {$64.00} back even though it was a servicing error on their part. Furthermore, when I faxed a request for a {$10.00} credit for the overdraft fee to my account that ensued by this {$64.00} discrepancy, the request was never addressed and no action was taken on their part to rectify the situation. 
I do n't believe that Navient is acting in the best interest of their customers. My hope is that with this complaint you can look into the company and instigate new regulatory procedures they should follow in order to better their financial relationships.
Product: Credit card or prepaid card

I am writing to file a formal complaint against Capital One regarding a recent incident that has caused significant distress and financial hardship. I believe that I was misled by a Capital One phone representative regarding a payment arrangement, which has resulted in a late fee and a XXXX late payment remark on my credit report. 
On XX/XX/2023, I contacted Capital One to inform them of my financial hardship due to contracting XXXX and taking time off from work to recover. During this conversation, the phone representative assured me that they could push back my payment due date to XX/XX/2023, and that no late fees or XXXX late remarks would be incurred if I agreed to start the payment plan. Importantly, I asked numerous times, on the recorded line, about the consequences of accepting the payment plan and was repeatedly assured that no late fees would be applied or remarks of XXXX XXXX late would be reported to the credit bureaus. 
To my dismay, on XX/XX/2023 XXXX days before my new payment was even due. I discovered a {$40.00} late fee charged to my account and a XXXX late payment remark reported to the credit bureaus. This outcome directly contradicted the explicit promises made by the Capital One representative during our phone conversation on a recorded line. As a long-standing loyal customer, I have never missed a payment before this incident, and I find it deeply unjust that, during a time when I sought assistance, I am now burdened with a XXXX late payment remark on my credit report. 
Given the circumstances surrounding this matter, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in rectifying this situation. Specifically, I am requesting the removal of the single late payment remark from my credit report. It is evident that I was provided with inaccurate information and led to believe that I was taking appropriate measures to address my financial difficulties. 
I have attached copies of relevant documentation and supporting evidence to substantiate my claims. These documents demonstrate the misleading nature of the Capital One representative 's statements and the subsequent adverse impact on my credit standing. 
I trust that the CFPB will conduct a thorough investigation into this matter and take the necessary steps to ensure that I am treated fairly and justly. I genuinely believe that the actions taken by Capital One were unfair, unjust, and have caused me significant financial and emotional distress. 
Thank you for your attention to this matter. I eagerly await your response and hope for a swift resolution to this issue. Please feel free to contact me if any further information is required.
Product: Vehicle loan or lease

We refinanced our vehicles in XX/XX/XXXX. We signed all the paperwork they needed to process the loans for our XXXX XXXX XXXX and XXXX XXXX XXXX. Since then, every month they send additional documents, needing more signatures, the same paperwork we originally signed. Everytime we get the papers in the mail, we take it to the Wells Fargo, we got the loan at, the banker there, XXXX, faxes the signed copies to them and then calls them to ask if there is anything else they need from us, they tell him no, everything is fine. The next month something else, this is getting really upsetting.
Product: Debt collection

This company called Helvey and associates has put a collection on all e of my credit bureaus. I have never had this debt. This is a fraudulent account that I did not sign for nor had any knowledge of this a count. It's saying account was opened XX/XX/2022. I didn't even live in the same city or state where this account is.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Debt collection

For the past year, I have continuously disputed the referenced account with the three credit bureaus. All medical bills should have been covered by my health insurance at the time. I was receiving medical assistance through the state of Pennsylvania during the DOS. This bill is not my responsibility. I sent several disputes to the agencies and they have failed to provide validation of the debt, the account was removed from two of the credit bureaus but it is still being reported on my XXXX credit report.
Product: Debt collection

D. Scott Carruthers XXXX is attempting to collect a fraudulent debt not belonging to me. 
I am the victim of Identity theft. My personal identification cards, SSN Card, Drivers License, U.S passport, and bank statements were  stolen from my home. 
I am disputing the validity of the debt of {$4500.00}. The debt of {$4500.00} has never belonged to me and was obtained by unauthorized use of my identifications. 
I will not pay or intend to pay this debt because it does not belong to me. 

D.Scott Carruthers XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I used my Barclay Aviator MasterCard to purchase a trip from XXXX for 6 people leaving XX/XX/XXXX through XX/XX/XXXX of XXXX. The cost of the trip was {$9000.00} and I paid it in full. I have all receipts including my credit card charge, receipt from the online site and travel itineraries. In XXXX, I had contacted the online site regarding possible cancellation and refund for the trip but was reassured by them that as long as I canceled by XX/XX/XXXX I would have a full refund. In XXXX, when the covid-19 began to worsen in the US, I attempted without success to reach XXXX via their three different phone numbers and was given a XXXX number which means phone was disconnected. Within days, a message showed up on their site saying they had closed their doors and canceled all trips but no refunds would be issued and customers were to contact our credit cards in hope of getting refunds. I have now minimally twice contacted my credit card because I paid for something and was scammed without received what I purchased. I should have protection from my Mastercard in situations like this. I have submitted all receipts, itinerary Etc and has been denied each time stating it was a pandemic and out of their control according to my MasterCard.
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX through XXXX XXXX that there had been a change on credit report. I noticed that a company, Sunrise Credit Service, had reported late payments and was listed as a derogatory account on XX/XX/XXXX, and XXXX. I had never entered into a contract with Sunrise Credit Service nor had I ever received any mail, email, or phone calls from the company. 

On XXXX XXXX I answered a call from a representative from Sunrise Credit Services. The representative wanted to confirm my mailing address and I inquired about their business. They informed me that they were attempting to collect a debt from XXXX XXXX XXXX. This was surprising considering I had a current account in good standing with XXXX XXXX XXXX. They also informed me that they had emailed me on XX/XX/XXXX. Checking my email I did not see any email from Sunrise Credit Service and informed the representative of this fact. I objected to the debt and told the representative to have the company send me any information about this " debt '' by mail. They informed me that i could log into an account on their website, which I told them I refused because I had no verification that I owed this debt to Sunrise Credit Service and repeated that I want them to send me their contract and additional information about the debt by mail. They informed me that they would do so. 

As of XX/XX/XXXX I have not received any mail communications, or through other means, from Sunrise Credit Service. I sent a letter on XX/XX/XXXX requesting verification of the debt, proof of licensing in State of MI, and any contract they hold with XXXX XXXX XXXX to collect the debt. I have attached my letter to this complaint. 

As of now, I don't how Sunrise Credit Service was able to report late payments and a derogatory account on credit report without ever informing me nor verifying the debt.
Product: Credit card or prepaid card

I have had an American Express card since XXXX. I upgraded from green to gold a few decades ago and from gold to platinum a few years ago. On XXXX, I was assessed annual membership fees of {$720.00} ( {$550.00} for me + {$170.00} for my wife 's card ). This fee is assessed IN ADVANCE. I decided to close the account. It took me a few weeks to transfer several regular, automatic monthly payments from this card to another credit card. Having completed that, I called AmExp today to cancel my card. They will not refund any portion of the {$720.00} membership fee THAT I PAID IN ADVANCE. They offered to downgrade me to a less expensive card ( green card - {$95.00} fee ) and to give me a credit for a portion of the {$720.00}. I do not want that. I want to close my account and receive a refund of the unused portion of the membership fee. On a per diem basis, I 've had the card from XXXX through XXXX, which is 39 days. {$720.00} divided by 365 days multiplied by 39 days equals {$77.00}, to which they may be entitled. I demanded a refund of {$640.00} XXXX {$720.00} I paid minus {$77.00} to which they may be entitled XXXX but was refused. Can you help me, please?
Product: Credit reporting or other personal consumer reports

The inaccuracies on my credit report, including but not limited to accounts that do not belong to me, incorrect balances, or inaccurate late payment reports '', have caused significant harm to my financial stability and well-being. I have made multiple attempts to resolve these issues directly with TransUnion, but the resolutions provided have been unsatisfactory, vague, and unsupported by proper documentation. 
The impact of these inaccuracies has been severe. I have faced challenges in securing housing, obtaining favorable interest rates, and maintaining financial credibility. These issues have caused undue stress and jeopardized my quality of life.
Product: Checking or savings account

On the XXXX of XX/XX/2023 my checking account was hacked and funds that were there in the amount of {$410.00} was taken without my authorization. The bank sent me a text message for a total of three transactions in which they asked if I authorize those transactions and I gave an answer to no to all three. According to the bank they did not receive a response from me but I responded to all three requests they sent to me the first transaction was for the amount of $ XXXX a XXXX  department store in XXXX XXXX XXXX the other two transactions were both from a XXXX XXXX XXXX XXXX  . The amount for those two transactions were {$200.00}. while these transactions were processing I was working in the city that I reside in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Chase bank allowed someone to use my stolen information to obtain accounts and apply for creddit. All my attempts to fix the problem or be compensated have been deliberately evaded and ignored causing me years of financial term oil. Any agreements made where not mine
Product: Debt collection

ORIONS MANAGEMENT GROUP LLC has call my cell phone repeatley I have ask them to supply me with proff that this a debt I owe they have not. 
ORIONS MANAGEMENT GROUP LLC has called my home repeatly about this same debt the refuse to show proff of, then a woman from this company start telling me I am reading your credit report you dont pay your debts. They refuse to give me a fax number so I can fax them a letter requesting them to contact me by maile only
Product: Money transfer, virtual currency, or money service

Scammers email from paypal : XXXX : i send him {$500.00} and i was told to request a refund on XX/XX/XXXX but he denied my request. 
XXXX : i send him total of $ XXXXand i request a refund on XX/XX/XXXX and he denied my request XXXX : sending him {$700.00} and someone was using his email and or log into his paypal account by sending it through merchant ship and stole my money. I believe that is a XXXX person and his number was XXXX XXXX XXXX XXXX. I request my refund from him and he denied my request on XX/XX/XXXX. 

I made a dispute to paypal before but paypal close my cases and i couldnt get my cash back total of {$1800.00} and they use it by paying bills and stuff and please can you help me recover those amount? All of those emails are XXXX and a neighbor of pretend to be XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX violations before removal. I have already attempted to invoice for the damages and federal violations. TransUnion has removed XXXX XXXX off my consumer report after I complained about being violated which is proof that I was being violated. Under 15 USC 1681n - Civil liability and 15 USC 1681o, TransUnion has not yet compensated me for the damages & federal violations nor has responded to my invoice. I will have my invoice for the XXXX XXXX federal violations attached below and also a marked-up consumer reporting showing the violations and my PRE-ARBITRATION against TRANSUNION. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration. YOU HAVE 5 BUSINESS DAYS TO RESPOND BEFORE I FILE FULL ARBITRATION.