23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXXXXXX XXXX XXXX Thank you for your response regarding my inquiry about the CFPB 's recent ruling on credit card late fees. While I appreciate your firm 's willingness to address my concerns, I must clarify my position regarding the applicability of the Credit Card Penalty Fees Final Rule. 

You mentioned that the rule, issued on XX/XX/year>, has been stayed due to ongoing litigation. However, I believe it is essential to consider the implications of this ruling and the public interest it represents. The CFPB 's efforts to regulate late fees reflect a growing recognition of the financial burden these charges place on consumers. While I understand that your company suggests that the rule is currently not in effect, it signals a potential shift towards fairer practices in the credit industry. 

I would like to emphasize that consumers have a right to advocate for fair treatment, especially in light of regulatory changes aimed at protecting them from excessive fees. My request for a reconsideration of the late charges applied to my alleged account is not solely based on the current status of the rule but also on the principles of fairness and accountability that underpin the CFPB 's mandate. 

I remain committed to resolving this matter amicably and hope we can find a practical solution that acknowledges the evolving regulatory landscape and my concerns as a consumer. I look forward to discussing this further and appreciate your attention to this matter. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting different information across all three bureaus, indicating an inaccuracy. I had this vehicle for over XXXX years, and it was considered XXXX almost XXXX years ago, yet it was still drivable. The XXXX insurance covered it, but I never received proof of the sale. They continue to report this without providing documentation for the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated at the Texas Department Of XXXX XXXX in XX/XX/2022 and was taken by ambulance to the hospital. I was billed for these services while under the care of the state. I had a pre existing injury called chronic XXXX. On my credit report is the company ..Five star emergency PHYSICIAN. Complaint was opened XX/XX/2022 and I was incarcerated XXXX of XXXX until XX/XX/2022 XXXX
Product: Credit card or prepaid card

I went to   XXXX   XXXX   for a treatment. After I thought about getting the treatment I wanted to back out but was told I could n't. Although the treatment was okay, I was not happy with the results, but paid the account monthly. When I got the first bill I wanted to make an online payment. The only way I could do this was to set up a mobile app that would accept my payments. This action stopped the paper statements. The mobile app was fine however I was on an interest free payment plan for 18 months. The mobile app showed payments and balance. Mid last year I took my statements to a bill planner where I discovered I was no being charged all the back interest and now at a very high interest rate. There was no notice that the interest free time frame had run out and that I now owed twice what the service cost. I contacted them when I found out with no response. I contacted them a second time and complained both about the service and the interest. I also offered a  one  time payment to pay off the original balance in full, due to the fact that the mobile app does not tell you any information about your account. They responded with a letter saying that is what I signed up for and the owner of the business called to say " too bad so sad ''. I responded to say, had I known about the time running out I would have paid it off but the online payment offers no information. I was n't given the opportunity to pay it had they informed me I would have had it paid and that they needed to change the mobile. I also asked, in a ll 4  letters I have sent, to not call me. Since all this started I had an on the job injury and have been out of work since  XXXX . I told them this in  two of the four  letters and just today I was asked today if I was having a hardship. They call everyday. I did  get one lett er that gave me a small credit but they still refuse to address the original issue, continue to call everyday and now they are ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the 100 % accurate reporting of this XXXX XXXX XXXX  charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account..XXXX XXXX XXXX transunion XXXX and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number transunion is reporting XXXX XXXX is reporting XXXX, and XXXX  is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting {$780.00}, {$0.00}, and {$780.00},,,,, ,this is inaccurate reporting
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is still reporting on my credit file Acct # XXXX per Equifax credit file. XXXX XXXX XXXX attorney replied back to the CFPB just recently stating I didn't have a loan that was opened on XX/XX/year> please read the response Equifax you were apart of the attachment. You are violating my rights as a consumer Also per Fair Credit Reporting act 15 U.S.C 1681 written consent to report this unknown account was not given please remove this account immediately. You have 48 hours to remove this account.
Product: Debt collection

On XX/XX/2021, one of my creditors, TD Bank/Target, submitted an unauthorized payment in the amount of {$17.00} to my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ). That payment was created in Target 's online account portal on XX/XX/2021, but I did not perform that action. I did create a payment through their online portal on XX/XX/2021. The amount of that payment was {$17.00}. I did not authorize TD BankXXXXTarget to submit the second payment that was created on XX/XX/XXXX on my behalf. Since I did not have sufficient funds in my XXXX  checking account when the second, unauthorized, payment was submitted, XXXX levied a {$30.00} Return Item Fee - ACH on my account, which rendered me with a negative checking account balance. 

Currently, I am enrolled in a 12 months Hardship Program with TD Bank/Target, but their letter does not indicate any automatic payments requirement, nor does it state that they will withdraw payments on specific dates of each month. The letter simply states that I will be required ( implicitly implied ) to submit payments before my due date ( XXXX of each month ). 

So, on the evening of XX/XX/2021, I called TD Bank/Target to inquire about the unauthorized XXXX XXXX XXXX payment. The TD Bank/Target agent who I spoke to suggested that I created the XX/XX/XXXX payment on XX/XX/XXXX. I can not recall if such information is correct, because I always pay my credit card bills manually and would not enroll in to a Hardship Program that forced me to elect automatic payments. 

Ultimately, I want to recoup any all fees and/or fines that may be levied against TD Bank/Target and XXXX XXXX XXXX XXXX XXXX. I will be submitting a separate complaint against XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was denied credit for a vehicle, the reporting agencies were XXXX and a reporting agency that I have never heard of, which is Sagestream , llc XXXX CA XXXX. Phone number XXXX. My credit score with XXXX was 618, compare to 551 with Sagestream. I have tried several times to contact them by phone to get a copy of what they are reporting on my report and was not successful. 
With the other credit reporting agencies that have been around for a while they have a automated service to get my information, but with Sagestream they will only respond with the mail and several copies of all kind of personal information. Why are they different from the other reporting agencies and make it very hard for me to get information that they are reporting on me as a consumer, that does not seem far to me, and it is already upsetting to be denied and then fight for information about yourself too. I would like to file a formal complaint on Sagestream, because XXXX has set the standard on how someone can get a copy of their credit report and someone I do n't know can come in and change the standard. I thank you so much for helping me get this matter resolved. XXXX
Product: Debt collection

I have had these companies reporting information on my credit report and have asked them to remove it immediately, the inaccurate and illegal for them to report it under the law I have included my dispute letter to this complaint-
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$7900.00}. 

Account Name : XXXX XXXX Account Number : XXXX Description : Date open : TransUnion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

High Credit : TransUnion is currently showing {$12.00}, XXXX, XXXX and XXXX show XXXX. 

Lasted Reported : TransUnion show XX/XX/XXXX, XXXX show XX/XX/XXXX, and XXXX show XX/XX/XXXX. All three XXXX XXXX XXXX are showing difference dates. Please delete Date of Last Active : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXX. 

This is a violation of the FCRA and is also in violation requisite METRO XXXX reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that the item above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Relating to master card, last numbers XXXX from BOFA I see we had problem with XXXX XXXX on this card to start with, XXXX XXXX, this was sent back to BOFA as XXXX this back to XXXX XXXX XXXX XXXX, as are my bank now. this card went to a normal offer for no interest for XXXX. Month, but I paid this back on 12 months was fully paid on XX/XX/XXXX rest was XXXX paid off, and ask for closing on the card.. 
But after that, the BOFA did not respond to the closing and made some kind of credit on my card and start to ask for monthly payment, as I have not responded to I call them and they refuse to change any, report on XX/XX/XXXX reported {$760.00} and a minimum payment of $ XXXX. 
I will kindly ask you to have confirmation from me, this Credit Card, was cut here at XXXX. XXXX XXXX This illegal activity on the card and ruin my credit score every month are not acceptable, and they should pay for the damage on my score. 
I have my XXXX  account with all payment and return payments and some balance summary from BOFA to XX/XX/XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is showing that I have 22 Hard Inquiries on my report. 
Please remove XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Some are multiple inquiries from the same company within a small time frame. It's negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to RE-INVESTIGATION this account and Send Me Documentation of the re-investigation : on XXXX/XXXX/XXXX Equifax stated that XXXX  XXXX # XXXX has verified this account as accurate reporting but never sent any proof documents for their claim. Please send me the paperwork and the description of the re-investigation that was used to verify this account
Product: Credit reporting or other personal consumer reports

15 USC 1662 ( b ) violations from every reporting agencys after numerous cpmplaints still not corrected report is not fair or equitable and as a result i have been denied credit time and time again. I want complience and actions taken and fines imposed as per UCC is public law 72-10 not apply how about HJR 192, UCC 3-603 , I demand validation of all debts and EXPERIAN, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  need corrected immidiatly its my god given right to get access to unlinited credit but due to incorrect info and no oversight or action or any help just keep me from accesing credit.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX and as payment method I use paypal. XXXX days before paypal asked for a review of my account .I have done previously these type of reviews and have passed them where I show proof of fulfillment for my clients.The same way I sent all the proof needed for my products. I am pretty sure I have sent the right information and this is not the case why they have limited my account.They state that I am limited because I have connection with another account in paypal that is limited. In my own knowledge, in my name I only have XXXX and XXXX. The second one has never been used and the first one is the one they limited today. So they must be mistaken for this and its unfair.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized activities on my consumer report.
Product: Checking or savings account

Dear CFPB ...     I am addressing to you my problem because i am sure you are treating the clients in most fair and competent way : well here is my concern ... And i want to say right upfront the reason why i address the problem just now in  XXXX  because citibank kept promising me for numerous time to fix the issu e ( mo nth by month ) but all their words were worthless.   I had a promotional offer to open gold checking account by  XXXX   XXXX   XXXX  with the promotional code which i included upon the process of opening account for receiving  XXXX  THANK YOU POINTS. And i followed all the requirements while i was opening account and within the next couple months as it was stated at the offer summary. But after waiting for several months i realized that i was missing my bonus. And i started calling citibank and told them i did not get the incentive. Well ... each time they said a different story :  1. 'it takes a little more time to reward you '', 2. " we are going to do a dispute '', 3. '' we  can not find the code which you entered. " ... and other other fake stories. I even have the chat with pictures where the agent confirms that i followed all the rules within the exact timeframe.   Then i started reading some feedback online from all other clients of CITIBANK with the similar issues and there were so many complaints about the same problem .... And that is why i made up my mind to look for the truth at another place by contacting you. And i feel so frustrated for all the time when i waited for the resolution and had to pay a monthly service fee of  XXXX  $ because i thought i needed to keep account opened so someone could resolve this situation prior to account being closed. So obviously I wasted a lot of money.   And today i am really begging you to help me in resolving this issue and provide me the incentive which i was qualified for so i can cover at least those expenses lost for the need of keeping account.   THANKS in advance for your help and please let me know if you need any other details.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXX XXXX ( XXXX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX XXXX XXXX XXXX  XXXX, PA XXXX RE : Request to Block Trafficking-Related Information XXXX XXXX XXXX XXXX Dear Sir or Madam, I am a survivor of XXXX XXXX and I am reaching out to address a matter concerning my credit report. The following information listed on my credit report is a direct consequence of the XXXX I have endured. With this letter, I am providing you with the XXXX XXXX XXXX case number assigned to my situation : XXXX. I kindly request that you block the entry labeled " XXXX XXXX XXXX  '' from my credit report, as it relates to the trafficking-related circumstances and the identified source. 

In accordance with section 605C of the Fair Credit Reporting Act, I respectfully ask that you take necessary measures to block this information from my credit report within four business days. I kindly request that you provide me with notification of the actions taken. Your prompt attention to this matter is sincerely appreciated. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX  ( TU ) Names : XXXX ( TU ) Address : XXXX XXXX XXXXXXXX ( TU XXXX XXXX ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX   ) Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  ) ; Bal : {$59.00} ( TU, XXXX, XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023, a dispute was filed with Experian online concerning an alleged collection debt I am unaware of but Experian 's results on XX/XX/2023 claim that it verified the alleged debt. Therefore, another dispute was filed on XX/XX/2023 requesting Experian re-investigate the alleged debt and provide its methods used when validating the alleged debt. Further, per a consumer 's rights, a demand for proof of the alleged debt was included in the validation letter I submitted on XX/XX/2023. I requested for the following documentations ( a ) the original contract with the original creditor that was executed by me ; ( b ) the names of persons you spoke to about this alleged debt ; ( c ) an affidavit that you have lawfully investigated and lawfully verified this alleged debt and AFFIDAVIT MUST BE NOTARIZED ; ( d ) the assignment of this alleged debt ; ( XXXX ) an itemized statement of this alleged debt that provides a breakdown and itemized list of fees associated with the alleged debt from the original creditor, all collection costs, and all other expenses ; and ( f ) verification of the late payment date. On XX/XX/2023, Experian issued results of its re-investigation in connection with the dispute I filed, and Experian unlawfully claims " account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' but continues to fail at providing its methods of validation and the proof of validation as demanded on them. Experian continues to unlawfully report inaccurate and erroneous information on my credit report, and continues to fail at its obligations to lawfully validate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXXXXXX XXXX  account of {$630.00} on my credit report is being reported as OPEN and this is should be reported as CLOSED and this should be removed from my credit report because of inaccurate credit reporting to the credit bureaus.
Product: Credit card

My business went bankrupt after the crash of our local economy around 2009. Now that I have a job again, I have been trying to settle my credit card debt with Bank of America but I have found that the banks have written off the debt and will not allow me to settle with them but they also refuse to remove the judgement from my credit report which is giving me a low credit score and keeps me from being able to refinance my home. I am trying to recover financially from this failed economy but the banks that were bailed out are preventing me the consumer from any recovery financially. HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I already looked at this account with the wrong information, and after reading your responses, I saw that some of this account still have confirmed errors. Correct the account, please : XXXX XXXX XXXX XXXX Balance : {$0.00}
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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.