23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/XXXX I used the incorrect card to pay for my insurance premium, the insurance company instructed me to file a dispute, and once the billing department got a dispute they would release funds it's how they handle that. Well I called capital one and explained to the 3 world country representative there was a language barrier, they started the dispute and wanted me to charge my other card so I have double the amount on my credit instead of contacting the merchant. I was out the 1.5 % I would have gotten for XXXX they refused to help with the dispute and on the XXXX of XXXX the day my policy was active. I spoke to 2 members of the dispute department and advise me to drop the dispute and they as a courtesy they would credit the XXXX for my cashback well they conveniently have no record of call and credit so I am disputing the entire amount again to get the issue resolved
Product: Credit card or prepaid card

I made a return on XX/XX/XXXX at XXXX p.m. at XXXX XXXX XXXX a car dealership. The charge was for holding a car so that it would not be sold. They refunded the hold on my credit card which is {$300.00} on XXXX 2022 at XXXX p.m. I have the receipt. PenFed credit Union the issue of the credit card, has been telling me if they can see the return as pending since the date of return of the hold. They told me I needed to be more patient and wait 7 to 10 business days, lecturing me on how holidays and weekends don't count. Telling me that they would give me a refund for all the interest I am accruing everyday the {$300.00} is on my card. Till today XX/XX/XXXX when I call to check on the refund since it's not showing on the app, they say they don't see the return pending. That I should do a dispute of the charge today. I asked for a supervisor to call me, because I felt like saying that I did not use the card to hold a vehicle on the XXXX was kind of a lie. They told me that was my only option, even though I have had XXXX different Representatives tell me they saw the item as pending that I just needed to wait. They are very rude, I have reached out to the dealership they gave me the finance manager name phone number I talked to him, he has offered to talk to them directly to resolve this issue. I have offered to give him his name and phone number but they are not really concerned and do not really want his name or number. Now today they are telling me I'm not going to be able to get my money till XX/XX/XXXX. Which is totally new. It seems like every time I call I hear a different story out of PenFed I have a copy of the receipt I've called the car dealership who gave me the return twice, they don't know what the problem is why they won't give me the credit even though it was pending on their side for over a week. So they're very blont with me today telling me I was just going to have to wait till XX/XX/XXXX now so they're going to charge me interest on this {$300.00} from the XXXX all the way to XX/XX/XXXX. If you need to know any other information like credit card number a screenshot of the receipt or anything like that I will give it to you.
Product: Debt collection

Sequium Asset Solutions , LLC has been reporting a debt that is not familiar to me.The debt is for a XXXX XXXX bill that they claim I owe. I have repeatedly attempted to dispute this company off my credit and they always return as " verified ''. I have called them and asked them to send me the " verification '' documents they are using to retain their company on my report however they state that they can not provide that information to me that they can not locate me in their system and that I have to call the company that they are collecting on behalf of for those docs. Because they ( Sequim ) are reporting to the credit bureaus and are the ones trashing my credit score and are the ones who are reporting that this " debt '' that is allegedly owed is " accurate '', I feel they are incorrectly and misrepresenting themselves to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX OF XXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit card or prepaid card

Around the week XX/XX/XXXX I contacted XXXX XXXX as well as Comenity Bank in regards to cancelling a trip I have scehduled for XX/XX/XXXX to XXXX XXXX. I jumped right on the matter as soon as the Pandemic started being that we weren't sure how the events would turn out and didn't want to wait until the last minute as we understood it would be a process trying to cancel the airlines, shuttles and resorts. I have gone back and forth between XXXX rewards and the Bank filing disputes with XXXX  trying to get this matter resolved. I have been sent on a wild goose chase. I receive correspondence via XXXX XXXX that they were unable to submit a refund for my flights as they do not actually have the funds until we board the flights and XXXX actually has the funds. Every time I speak with XXXX they send me to someone else and act as if they don't have the authority to process the refunds for the trip. Our government has advised us against international travel as its still not safe and we could possibly be stuck out of the country. The airline changed our flights without permission due to the rules for flying into XXXX they aren't allowing direct flights there due to Covid-19. I  would like to have this matter resolved without losing over XXXX in the process because of an unexpected pandemic that none of us knew about and these companies are acting as if they don't know what going on and its very bad business and I even purchased trip insurance which was the only thing they would cancel and refund but not the trip in its entirety for refund.
Product: Credit reporting or other personal consumer reports

ATTN : EXPERIAN TRANSUNION EQUIFXXXX ACCORDANCE TO TITLE IS USC 6801 ab1234 PROTECTION OF Non Public INFORMATION I DIDNT GIV WRITTEN CONSENT TO HAVE THIS FRAUD ALLEGED UNAUTHORIZED ALLEGED ACCOUNT TO BE FURNISH ON MY CONSUMER REPORTS ALSO USC 1681Ga1b23Bbc4S6cde7 9 8 10 1112 DISCLOSURES TO CONSUMERS ALSO USC 6802 USC 6803 USC 1692C. USC 1692G USC 1681E ( B ) THE ALLEGED ACCOUNT READS : DEBT COLLECTOR XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS FRAUD THIS DROPPED MY SCORE XXXX POINTS PLEASE REMOVE THIS FRAUD ALLEGED ACCT FROM MY CONSUMER REPORTS THIS IS A CLEAR VIOLATION OF NE LAW AND IMPROPER USE OF MY IDENTITY AND ( GAAP ) you HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION THE XXXX XXXX XXXX XXXX ALSO IVE NEVER RECEIVED A CERTIFIED MAIL FROM YOUR COMPANY TELLING ME THAT you WILL FURNISH THE ALLEGED DEBT ON MY CONSUMER REPORT you GUYS ARE ALL BOUT MONEY AND VIOLATING 18 USC 1961-1968 ALSO IM WILLING TO SUE AND Reporting YOU TO THE CFPB DELETE IMMEDIATELY Thief!
Product: Consumer Loan

Toyota Financial Services does not want to remove their derogatory information to the credit bureau although per my telephone conversation, they will not report me for being late because it is not fault. Monthly they draft my account. I called Toyota Financial Services that I am going to close my bank so they have to charge my new bank account, this was XXXX XXXX, 2016 and also fax them an instruction on XXXX XXXX. They sent me their own form and I fax it on the XXXX of XXXX. I was surprised when I received a past due notice and called them right away. They say they will charge my account for two months without late charges and will not report me to credit bureau. But to my surprise, they reported me to credit bureau for one month late. I gave them more than 30 days notice, by telephone, XXXX XXXX and by letter, XXXX XXXX. I wrote to them but denied my request to reverse their derogatory remark. I was not at fault, it is their negligence, why should I be penalize? 
They admitted I was not at fault by not charging me late fee. Day one I never missed any payment because it is always drafted from my bank account. 
I highly believe that this bureau is my last resort to listen to my complaint. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in a dispute letter to Experian on XX/XX/2023 about account : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX and the account came back updated after I stated, in my dispute that the account reporting is not an account that belongs to me and asked them to do a proper investigation, provide me with all results which they failed to do.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the following creditors for failing to provide a Form 1099-C ( Cancellation of Debt ) within the legally required timeframe after my request. Additionally, because these creditors have failed to comply with IRS regulations, I am formally requesting the removal of these accounts from my credit report due to noncompliance and failure to validate or properly report the debt cancellation. 

XXXX. XXXX XXXX ( Account XXXX XXXX XXXX {$3000.00} ) Creditor Name : XXXX XXXX Account Number : XXXX Original Balance : {$3000.00} Charge-off Amount : {$3000.00} Date of Charge-off : XX/XX/XXXX Date of XXXX Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days 2. XXXX XXXX ( Account # XXXX XXXX {$1800.00} ) Creditor Name : XXXX XXXXXXXX Account Number : XXXX Original Balance : {$1800.00} Charge-off Amount : {$1800.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days XXXX XXXX also sent a letter confirming that they sold the debit to XXXX XXXX XXXX, XXXX and continued not doxument it accurately ony credit report.
Product: Checking or savings account

XX/XX/XXXX i got notified that chase was closing all my accounts including credit cards. They would not give a reason why.
Product: Mortgage

This complaint is about my HELOC account with Bank of America and the lost payoff payment. I have two account with BofA : First Mortgage and HELOC. I just did a refinance of these loans with another company. I show that my mortgage has been paid off but the HELOC is still open is showing a full balance of $ XXXX. I reached out to the title company and they confirmed that they overnighted the payoff for HELOC in the amount of $ XXXX on XX/XX/XXXX and they have a delivery signature by BofA on XX/XX/XXXX XXXXXXXX XXXX, but the account is still open and balance is still outstanding 7 days later. Yesterday, XX/XX/XXXX, i tried to reach out to BofA to resolve the situation. I spoke to a first representative who confirmed they don't show any pending payments on my account, the representative confirmed my phone number of file and noted the account and said they need to transfer me to customer service so they can check once more if there are any pending payments. I was on hold for 2 hours 45 minutes and then a second representative spoke to me. I described my concerns, the rep told me not to worry since i have a confirmation that the payment has been received and it will be applied eventually. I asked her if her response violates the RESPA payment guidelines, she placed me on hold and then disconnected the call ( since the first person i talked to confirmed my phone number of file i was hoping this representative would call me back, that didn't happen ). I am now filing the complaint with CFPB in hopes to receive the response from Bank of America about what happened to the payment they received, i would also like to confirm there will be no credit reporting impact after this is resolved.
Product: Credit reporting or other personal consumer reports

I have one single collection on my credit report. The creditor sued me and garnished my wages. I sent the lawsuit legal documents and proof of my garnishment, along with paystubs showing the garnishment. I told Transunion they had to legally remove the information since the creditor ( XXXX XXXX ) had not only not updated my balance all year, they actively continue to report every month that the balance is accurate and that i have a late payment ever month!!! 

I have written several times, called over a dozen times and even spoke to two managers/ supervisors. Ive been told by one supervisor that i was correctthe information is clearly inaccurate and needs to be removed. Subsequent calls to follow up have resulted in supervisors telling me that my LEGAL DOCUMENTS AND GARNISHMENT PAYCHECKS are not adequate proof that the debt has been paid down. You cant get any better proof than that!!! 

1 ) Transunion did not adequately investigate my claim and clearly sent a form template saying they had.

2 ) when asked to provide how they investigated my claim, they gave me a generic answer instead of giving me the steps they took. ( Had they taken proper steps, capital one would have verified the documents and the information on my report world have been proven to be inaccurate ( thus needing to be removed ) 3 ) Transunion employees repeatedly told me that they have nothing to do with anything and i needed to contact XXXX XXXX to have them removed or update the information. ( This is not trueTransunion has a legal obligation to accurately report credit data and to remove if wrong. ) 4 ) when provided legal documents and wage garnishment documents, they lied and told me they were inaccurate documentation to prove my case.

5 ) i was disconnected at least seven times over the course of a week.

6 ) i was told by a manager that no matter who i speak to at Transunion, their answer would be the same. Documents inadequate, creditor confirmed, GO AWAY. One even had the audacity to ask why i cared since it ( negative capital one info ) would fall off my report in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like Equifax, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to Equifax, XXXX, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

Equifax, XXXX, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance. 

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that Equifax, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to report that I may have been the victim of identity theft. There are certain account activities/ charges on my account which I did not make. Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on XXXX  through www.CFPB.com and XXXX I am requesting the following items be removed on my reports from your companies as XXXX  has done already. 

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity. 

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information. 
The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile. 
Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency. 
Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account. 

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX. Inaccurate information - " XXXX XXXX  account has become 30 Days Late ''. 

XXXX. Inaccurate information - " XXXX XXXX account has become 30 Days Late XXXX. Inaccurate information - " XXXX XXXX XXXX '' ''. I do not have an account with this creditor. 
XXXX. Inaccurate information - " XXXX XXXX XXXX } ''. I do not have an account with this creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, XXXX are reporting in accurate information. The dates are wrong and amounts are inaccurate I request all three bureaus to furnish proof of XXXX if these accounts are certified.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX XXXXXXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting

Placed a security freeze on my Equifax credit report on XX/XX/2015 via phone ( XXXX ). They billed my XXXX XXXX credit card {$10.00} for this on XX/XX/2015. ( Technically, this should have been free since I am over XXXX yrs. old -- this according to their written info. ) Was provided a pin # & confirmation # at that time & told that I would receive written confirmation of such. To date ( XX/XX/XXXX ) have not received it. Written statements on an earlier-received credit report ( in XX/XX/XXXX ) note that written confirmation of a security freeze will be sent within 10 business days of the request. 
I had to use you last spring when I had not received a requested credit report from them after 4 or 5 weeks when it was supposed to take 2 to 3 weeks to receive such. This is the only credit bureau ( of the XXXX ) that I have problems with.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$2000.00}