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

XXXX, XXXX, Trans Union is reporting false information on my credit report involving a collection account after numerous times to investigate it they come back verified as true. 

XXXX in complicit in aiding debt collector XXXX in illegally Re aging this account. 

Account XXXX, XXXX XXXX  account number XXXX. 

XXXX is reporting the open date is XXXX in an attempt to keep it on my credit report longer. 
The actual open date is XXXX the account is close to 7 year mark for removal and I want it removed. 

I have not made any payments on this debt to XXXX and to any other collection agency and any payment made on my behalf is fraudulent and I request any reciept which claims payment made. I dispute the debt and have not and will never make a payment on this alleged debt. 

XXXX XXXX tried to collect the debt on XXXX on behalf of XXXX and XXXX has numerous times tried to collect the debt without proof that would hold up in court.
Product: Debt collection

I have sent letters the credit bureaus and Kansas Counselors to dispute this matter and I have never heard back from anyone. I have sent letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

All the dispute letters I've received have been ignored or they send me letters stalling the process. 

Kansas Counselors continue to report negative information on my credit report which is invalidated and incorrect. They are even reporting XXXX of the same accounts on my credit report. At this time the agency is in violation under HIPPA and in violation for not following proper procedures under the FCRA.
Product: Mortgage

I closed a mortgage refinance with Rocket Mortgage on XX/XX/2022. I was not left with a copy of the closing package. I never received a copy during the XXXX rescission period. I decided to rescind my loan on XX/XX/XXXX and since I didn't have a physical form to send them I called. I couldn't get any one on the phone. I left several messages indicating that I wanted to rescind my loan so to consider this their notice. It wasn't until this morning that I heard from anyone and they told me it was too late. I explained that I didn't have a copy of the closing package, that I had no form or fax number to send in a request so I called in to execute my right to rescind by midnight on the XXXX day. They are still refusing to cancel my loan. I'm hoping the CFPB can step in to get them to comply with my request to rescind so that I don't have waste money on lawyer fees. 

This is predatory lending. I don't want their high rate or high fee loan. They are trying to strip my equity.
Product: Checking or savings account

On XX/XX/23 I deposited a check made out to myself from the XXXX XXXX of Massachusetts for {$20000.00}. I received correspondence that the check was received however they were afraid it would be returned and therefore the bank was waiting until XX/XX/23 to clear the check. All of this was fine. Subsequently on XX/XX/23 when I went to make a purchase for {$5.00} which was already available in my account the charge declined. I checked my banking app and noticed there was a freeze on my account. The XXXX number they have listed and direct you to goes straight to a voicemail where I left numerous messages and got NO return call. I then went through the phone prompts on XX/XX/23 as if to dispute a transaction and got to a live representative. After speaking to the fraud specialist I explained my situation provided the phone number to the county clerk whom issued the check. The representative from the bank contacted the clerks office by phone. I also emailed the receipt proof that the check was made out and intended for me. Capital One informed me the freeze would remain for an undetermined amount of time which is preposterous. How is it possible for a financial institution to legally steal your money for an indefinite amount of time.
Product: Credit reporting or other personal consumer reports

LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccuracies on my credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The following accounts contain errors that require immediate correction : XXXX XXXX XXXXt Account Number : XXXX Reporting Agencies : XXXX, XXXX, XXXX Disputed Information : Incorrect balance of {$12000.00}, inaccurate status of " Collection/Charge Off, '' and outdated remarks. 
XXXX XXXX Account Number XXXX XXXX Reporting Agencies : XXXX, XXXX, XXXX Disputed Information : Incorrect reporting of " Foreclosure/Repossession '' status and inconsistent account status ( closed vs. open ). 
According to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inaccuracies in my credit file violate this requirement and negatively impact my creditworthiness.

Additionally, under 15 U.S.C. 1681b ( a ) ( 2 ), my confidential credit information can not be disclosed without my explicit authorization. If your agency continues to report this inaccurate information, it may also constitute a breach of my privacy rights.

I formally request the following actions : Immediate investigation and correction of the disputed items per 15 U.S.C. 1681i. 
Deletion of any unverifiable or inaccurate information from my credit report. 
Written confirmation of the results of your investigation within 30 days, as required by law. 
Failure to comply with this request will leave me with no choice but to pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I reserve my right to seek damages for any willful non-compliance under 15 U.S.C. 1681n.

Please send all correspondence regarding this dispute to the address listed above. I appreciate your prompt attention to this matter and expect a timely resolution. Attached in this letter copy of state ID for identification Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Checking or savings account

On XX/XX/2023, the ability to determine what gets paid out of my account was taken away. I called Chase Bank on XX/XX/2023, and told them if there's no money in my account don't pay for the item. I was told that their computer makes that decision. I asked to speak to a supervisor and was put on hold when they returned, I was told that the computer makes that decision and it can't be changed, and nothing could be done about it. At the end of XXXX, my account was {$320.00} overdrawn. At the end of XXXX, XXXX I called again and no matter who I was transferred to I kept getting the same answer, the computer made that decision. At the end of XXXX, the cost was {$610.00} overdrawn, again, I was told that the computer made that decision. I have opened an account at another bank so I could start paying all my bills again. Every month my account was short of money at the start because of overdraft fees. It has cost me accounts ; it has affected my credit rating. It has put me behind on several bill payments, and accounts. I had to close accounts because I couldn't pay them because, at the beginning of the month, a large part of my check went to pay overdraft fees.
Product: Checking or savings account

In XXXX my deceased husband and I opened a joint checking account. That account came with a lock box. In XXXX when my husband XXXX XXXX died I went into the branch and closed that account. I established my own account in XXXX. On XX/XX/XXXX, 7 years later Chase bank took money out of my individual account. 
They stated that it was past due fees for the lock box that was closed in XXXX. There was never one correspondence in the past 7 years that would indicate that lock box was open, and was not closed at the time the account was closed. Chase gave no warning and took money from my individual account at another branch, without following laws regarding debt collection. The bank has the debt listed in my deceased husband 's name. They have been unable to present any documentation that would allow them to debit my account for for this money.. They sent a letter after they debited that completely omitted my deceased husband 's name from the debt when they took the money from my account. 

I have uploaded the only correspondence, that has been sent to me regarding this box, they have omitted my deceased husband 's name from this document. They literally just attached this lockbox to my current account after 7 years.
Product: Debt collection

AR resources INC XXXX $ XX/XX/2019, this company has called me numerous of times at an inconvenience of timing for me attempting to collect a debt that i do not owe, based off of 15 us code 1692g this company has not provided me with the 5 parts that constitute validating a debt! This company has contacted numerous of times at an inconvenience and troubling times and based off of 15 US code 1692 ( c ) a1 this is a violation, this company has also violated! Also 15 us code 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer credit report. This company has reported that i owe a debt to the three major credit bureaus, i am asking that this be resolved with an immediate removal and letter sent to each bureau requesting removal, or i will send an invoice which states each violation and i will pursue legal action
Product: Checking or savings account

I was charged a {$35.00} fee for a {$6.00} charge that should not have went through. This is ridiculous. TD Bank should not charge a fee for this ridiculously small charge. This charge was only XXXX!!! If the charge is under {$10.00} there should not be a fee. Period. Under $ XXXX-no fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

3 Hard inquiries on my credit report which I never applied for.

I have contacted 1 so far and the other 2 I`m unable to get in touch with them.
Product: Credit card

In XXXX, a credit card with a new account was delivered from Bank of America to my front porch via XXXX. No signature was required and it was just dropped off. Within 6 hours, the card was used fraudulently and the entire credit limit was used. I reported the card to my bank within 6 hours of the delivery and an investigation was opened. I have since found out the case was denied and I am responsible. I have asked the bank to reopen the case but they are telling me I 'm responsible for this until it is looked at again. I have XXXX pages of documents that I have tried to fax to them, including a police report, a receipt that shows the suspect gave his real name, city, and phone number, to make a purchase. I have faxed this information twice, received a confirmation that it went through, yet the bank still says they have not received the fax. In the past week, I have received three different answers to questions and do n't feel the bank is helping me. I have plenty of proof but continue to hear I must wait for the bank to assign this case again. They refuse to credit my account while they look into this and tell me I must make at least the minimum due in order to protect my credit rating.
Product: Credit reporting

Each and every year, Experian refuses to give me a copy of my credit report.   The result is denied for no reason whatsoever, and seems like an attempt to get people to pay {$14.00}. It is impossible to resolve without mailing my social security card (! ) through the mail, which is so risky and inept it is difficult to imagine this is not deliberate.   Meanwhile, TransUnion seems to have no difficulty at all following the law.
Product: Money transfer, virtual currency, or money service

I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My account email address is XXXX. 

Firstly, I would like to express my deep concern regarding this limitation as I have not violated any PayPal policy. I have always complied with the terms and conditions of PayPal and have never been involved in any fraudulent activities or violated any policies. 

I am confident that this limitation has been placed on my account as a mistake. I strongly believe that my account has been mistakenly flagged for a violation, and I would like to request PayPal to re-investigate my case. I am willing to provide any necessary information and documentation to support my appeal. 

I would appreciate it if PayPal could restore my account as soon as possible, as this has caused me significant inconvenience and financial hardship. I understand that PayPal has a responsibility to protect its users and prevent any fraudulent activities, but I assure you that my account has always been used for legitimate transactions. 

In conclusion, I respectfully request that PayPal review my case and consider reinstating my account. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Removal of Inaccurate Late Payment/Charge Offs on my Credit Report To Whom It May Concern, Upon reviewing my credit report with [ XXXX, XXXX, or TransUnion ], I identified multiple inaccurately reported late payments/charge offs for the following accounts : XXXX XXXX XXXX XXXX  XXXX Your actions are in direct violation of 15 USC 1681b and 15 USC 1681, which explicitly dictate that consumer information can only be furnished with direct consumer consent and that certain transaction information should not be included in consumer reports. Specifically : Transaction data solely between myself and your reporting agency should be excluded unless specifically authorized. 
Approval or denials related to credit extensions, and certain third-party communications, are also not permissible for consumer reports. 
Additionally, when a debt is charged off, it is considered canceled debt, allowing the creditor to write it off as a loss for tax purposes. You should provide me with a Form 1099-C reporting the amount of this canceled debt, which I must include as income on my tax return. Also, income can not be reported as debt ; income refers to money earned, while debt represents money owed. However, canceled debt can result in taxable income, which I must report when filing my taxes. 
Furthermore, under 15 USC 1681i, consumers have the right to dispute inaccurate information on their credit report, requiring credit reporting agencies to conduct a reasonable investigation. I have not received any 1099-C from either company, but you are reporting a charge-off on my report for multiple months which is also inaccurate information, and the role of the reporting agency is accuracy. 
This report violates the permissible purpose requirement under FCRA. I expect these erroneous late payments/charge offs to be removed immediately to prevent further legal escalation. Failure to comply will result in additional action based on 15 USC 1681n pertaining to the civil liability of credit reporting agencies and users of consumer reports for noncompliance with the Fair Credit Reporting Act ( FCRA ) Thank you for your prompt attention to this matter. I expect written confirmation of these removals within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act.The list of accounts below has notated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb bank/Lowes I did not request a lowes credit card, the lowes employee said if i opened an account i would get 20 % off purchase then said it would be 10-15 % off.I told him i changed my mind and do not submitt for credit, he acknowledged me and said he it was not sent, I called lowes and they said no inqurey was sent.It now shows on my credit report,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I have early direct deposit and when I checked to see if it was posted. There was no money deposited. I called payroll and they said they had sent it to the bank so I called Capital one and asked them where my money was and they sent me to claims and they told me it was being investigated and they have 45 days. I asked them if they were going to credit my account as they always do in a few minutes when I have had a dispute. These people told me they have to wait until the investigation was done. So I have no money and they lost it but I have to go without funds to pay my bills. I am already overdrawn in my checking account by not having money in my account. They just kept telling me their hands were tied. This. Has to be illegal for them to withhold giving me a credit due to their error. I am a XXXX XXXX XXXX woman that lives pretty much paycheck to paycheck. I am upset that I won't be able to even buy food.
Product: Debt collection

This complaint is in reference to IC SYSTEM Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.
Product: Credit reporting or other personal consumer reports

In accordance with the Gramm Leach Bailey Act, Title V, subtitle A of this act, 15 U.S.C. 6801 requires the FTC, along with federal banking agencies and other regulators, to issue regulations that financial institutions protect the privacy of consumers personal financial information. Such institutions much develop and give notice of their privacy policies to their own customers at least annually, and before disclosing any consumers personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to opt out from such disclosure. Under the Dodd-Frank Act this rule making authority transferred to the Bureau of Consumer Financial Protection . The act also limits the sharing of account number information for marketing purposes. In accordance with the Fair Credit Reporting Act, Prestige Financial Services has violated my rights 15 U.S.C. 1681b ( a ) ( 2 ) [ ( 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 data of an account with my written instructions. The company is falsely accusing me of owing them {$18000.00} for collateral they possessed and resold. In direct violation to 15 U.S.C. 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.
Product: Credit card

Discover card filed an investigation I received a letter stating I was n't responsible for the charges on the account. Then come to note the lady gets rude and decides to keep my account closed and tells me I need to reapply for a new card. I paid whatever remaining balance was on the account and the account is a XXXX balance and they still wo n't reopen my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account under FCRA : XXXX XXXX account # XXXX Experian refusing to investigate Please delete asap