23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

US Bank is the lienholder of my car loan. For the better part of a year, US Bank has refused to deliver the title to my car to the state I relocated to. I have been in regular email communication on this matter and have already submitted a complaint that was " answered '' but not resolved. I received a citation for expired tags because I am unable to register my car with the state-to-state title transfer. My car payments have not stopped but my ability to sell my car or legally drive has been interfered with by the business practices of US Bank. US Bank has a system of communication that prevents any meaningful attempts at problem-solving. Employees are only allowed to send a set number of form emails and can not actually problem-solve for customers. After you have been writing to US Bank for more than 90 days, the email you have been corresponding with expires and your only choice is to start over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items oh my credit report all three credit. Collections and inquiries were removed from XXXX  and XXXX but not Equifax. How is that possible? I disputed via Equifax alone and still same results items will remain. I've uploaded screenshots of my report. There's a huge difference. I have 5 total with XXXX and same with XXXX. With Equifax that's maybe 10 or more and I've disputed but remain and removed from the other 2. Also 2 collections on both XXXX  and XXXX but many on Equifax. I advised Equifax There's no way I was looking for a mortgage after XX/XX/2019. I bought my home in XX/XX/2019 so why would I look for a mortgage in XXXX or whatever months. Also, they will not removed any of the loan inquiries that I didn't do. I applied for a Loan once XXXX XXXX which I was approved and currently paying. Anything other than that I didn't do.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX  Disputed Information : Balance : {$0.00} ( requires clarification ). 
Status : " In Collections/Charge-off '' with {$0.00} balance is inconsistent. 
Remarks : " Payment after charge off/collection '' and " Purchased by another lender '' unclear and conflicting. 
Account Status : " Derogatory '' does not align with the {$0.00} balance or payment history. 
Payment History : Missing information on worst payment status and history of late payments. 
Dispute Codes 103 : Claims inaccurate information account balance.

113 : Claims inaccurate information account status.

112 : Claims inaccurate information payment history.

209 : Disputes current account status.

307 : Disputes account remarks.

Compliance Condition Code : XB : Consumer disputes ; investigation in progress.

Reason for Dispute The reporting of this account contains conflicting and unclear information, which I dispute as follows : The account shows a {$0.00} balance but is still listed as " In Collections/Charge-off '' and " Derogatory. '' This contradiction requires clarification. 

The remarks " Payment after charge off/collection '' and " Purchased by another lender '' lack supporting details. I request proof of payment and evidence of transfer to another lender. 

The payment history is incomplete, with no record of the worst payment status despite being listed as " Derogatory. '' The report states the account was closed on XX/XX/year>, but no details of the resolution ( e.g., settlement or charge-off amount ) are provided. 

Requested Actions Provide complete and verifiable documentation, including : Details of the charge-off or collection process. 
Proof of payment after the charge-off/collection. 
Evidence of the transfer to another lender. 
Correct or delete any inaccurate or unverifiable information from my credit report. 
Update the payment history and account status to accurately reflect the resolved nature of this account.
Product: Debt collection

XXXX submitted a past due balance for services rendered my rental property ( service address XXXX XXXX XXXX XXXX XXXX XXXX ) to Focus Mamagement Receivables ( debt collection company ). The XXXX XXXX XXXX for the rental property states that services were not routinely rendered and disputed the charges with XXXX. Focus Mamagement Receivables Continued to contact me almost daily after I requested numerous times that they speak with my property management company that was handling the open dispute with XXXX. The company continually told me the amount would hit my credit XX/XX/XXXX if I did not pay. This is illegal as an account in dispute can not be added to credit reports as delinquent payments. I eventually paid the bill to stop the harassing phone calls as to avoid any damage to my credit. I am a military and any damage to my credit could reflect poorly on my security clearance/classification. I spoke with the property Managment company and they were never contacted and did not receive any letter coorspondance as Focus states they would do after each harassing phone call to me. This company is ethically bankrupt. They had no right to continue to harass me and make empty threats that they had no legal authority to follow through on. They lead me to believe that if the corporate level dispute I had with XXXX was not resolved in the next two weeks ( which disputes take months ) they would still damage my credit. Completely misleading me to pay for services that were not rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX XXXX XXXX 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

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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Acct # - XXXX Through CFPB I was able to get TD Bank to reinstate my mortgage statements, but I've been trying to get a written payoff amount and the company refuses to provide this information. 

I have XXXX XXXX, TD Branch Manager @ XXXX, CT also trying to help me get this information. This process has been going on since the beginning of XXXX, and their refusal is an indication of what type of company this is. I have spoken to XXXX the Bank Manager of the XXXX XXXX. 3 times and she has told me on several occasions that she is sending it to the local branch, but never has. I have spoken to the customer service on XXXX occasions since XXXX who indicate they are mailing it me by XXXX, and I have not received anything.
Product: Credit card

Case number XXXX shows that my card ending XXXX, which was canceled on XX/XX/XXXX, was used on XX/XX/XXXX, and you put through this charge. How can you allow that? 

Furthermore, you sent me a card ending in XXXX, which I called to cancel after seeing this charge on XX/XX/XXXX. I asked you to freeze my account and not send me a new credit card. How, then, did someone have my new card number ( which I don't have ) and charge an amount to XXXX XXXX on XX/XX/XXXX ( which you declined )? 

Is the above not enough evidence to show that I had, and still have, fraud happening with my cards, and therefore, you should use this as a reason to reopen case number XXXX ( which I know you denied twice )? I know you told me that a card was present with all the charges in this case. You also know that fraud is happening even when your system shows that the card is present. Why then are you not willing to reconsider this case? 

Lastly, with regards to the charge to XXXX, which you texted me on XX/XX/XXXX at XXXX to report as suspicious, and I replied that it was fraud ( {$XXXX} & {$XXXX} ). Your customer service department tells me it belongs to a clothing business at XXXX XXXX XXXX in XXXX, but they don't have a phone number. The address is to a building with more than XXXX floors. The name of this business isn't shown in the building directory. Doesn't this alone sound suspicious enough to you in order to reconsider this case as fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is wrongfully reporting a credit card debt as current and late, when the debt has been charged-off and paid in full via settlement via XXXX XXXX XXXX a 3rd party collection agency by which I was promised that the debt would be deleted, thereby damaging my credit report on all three bureaus with inconsistent information and duplicate reporting. On the one hand this debt charged off on or about XX/XX/XXXX and forward to XXXX XXXX of which they began to report the debt as a collection debt. On the other hand the though the debt was charged off and sold to a collection agency the credit union continued to report the debt as open and late continuously for more than three ( 3 ) years. Upon my best efforts to reach out the credit union to update reporting and/or settle debt I was told that the debt was sold and off their books and that I should just dispute the incorrect reporting and/or settle discuss settlement with XXXX XXXX. On or about XX/XX/XXXX I began to review my report in an effort to clean up my report because to my dismay I was being turned down for many job opportunities for my credit. In good faith I borrowed funds to begin paying of old debt in hopes of clearing my credit so that I take advantage of potential missed jobs. On or about XX/XX/XXXX I reached out to XXXX to settle two accounts a credit card with acct # XXXX ( {$980.00} ) and charge off auto loan with acct # XXXX ( {$10000.00} ) both of which were charged off accounts of XXXX XXXX XXXX. Though both debts were being incorrectly reported with three line items creating triple reporting for the same debt as follows : ( 1 )  open collections with XXXX XXXX, ( 2 ) Open Collections +120 days late and ( 3 ) charge off ( XXXX ) with XXXX XXXX, I was told in order for the debts to be deleted and my report to be updated correctly I would have to pay the entire amount owed plus interest and that they would then inform the credit union directly. As of XX/XX/XXXX all debts have been paid to XXXX XXXX and to this day XX/XX/XXXX the credit card debt ( {$980.00} ) charge off still remains on my credit report and is being reported current late and charge off by the credit union.  Being that this incorrect report has been going on by the credit union for more than three years and the debts has been paid in full I would humbly request that both line items ( 1 ) the charge off debt and ( 2 ) the  current 120 days late be permanently removed completely from credit file.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to formally dispute a balance transfer transaction that was initiated from my Bank of America credit card account. The details are as follows : Amount : {$1200.00} Transfer Date : [ XX/XX/year> ] Receiving Bank : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Receiving Credit Card Number ( last 4 digits ) : XXXX Despite multiple communications with Bank of America, XXXXXXXX XXXX XXXXXXXX XXXX, the balance transfer amount has not been credited to my Cardless account. 

Cardless confirmed in writing that they did not receive the funds.

Bank of America has stated that the transfer was successfully processed, but no tracking details were provided. 

XXXX XXXX was unable to locate the transaction. 



Since the intended recipient did not receive the funds, I am formally requesting that Bank of America : 1. Provide a full transaction trace report with details of the receiving account and confirmation of the successful transfer.

2. Reverse the balance transfer fee and ensure I am not held responsible for this amount.

I appreciate your prompt attention and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I amfiling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Dispute of Late Payment Reporting Dear Sir/Madam, I am writing to formally dispute the late payment ( s ) reported on my credit report associated with my account, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit XXXX Experian, XXXX and XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

3. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit cardXXXX account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b.

The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ).

I request that you conduct a thorough investigation of the reported late payment ( s ). If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law.

Please provide documentation verifying the accuracy of the late payment ( s ), including but not limited to : 1. Proof of the payment due date and the date payment was received.

2. An explanation of how the payment was deemed late, in light of the statutory requirements.

3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b.

Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunbit reported my account when XXXX and XXXX payment were made in time. They have a 30 day grace for payments to be made and before they report to bureaus for being late. I actually spoke with a Supervisor and was advised that my XXXX and XXXX payments were made on time late and within grace period given for XX/XX/2023 and XX/XX/2023. I sent over an attachment for review and was replied back with inaccurate info -that payments were late and my payments were actually made on time I have bank statements and payments can be seen per my account when payments actually posted. This is a clear violation of my rights and I am requesting that my Credit report is updated immediately.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX, Experian and XXXX credit report on XX/XX/XXXX and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXX Bank XXXX XXXX the account numbers on XXXX is XXXX, the account number on Experian is XXXX and XXXX is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXXXXXX XXXX XXXX XXXXXXXX notice is the fact that the comment section on each report is different, XXXX comment section states purchased by another lender, Experian comment section has nothing stated and XXXX comments states Charged off Account. This does not match up on all three reports..Another inaccuracy is the fact that the date of last activity for the XXXX XXXX XXXX XXXXXXXX account does not match up on all three accounts. The date of last activity on XXXX is XXXX XX/XX/XXXX, on Experian is XX/XX/XXXX and on XXXX XXXX XX/XX/XXXX. All three dont match another violation. according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 [ e ] [ b ]. And according to 15 USC 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ 1 ] of any information disputed.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint and Demand for Method of Verification ( MOV ) Not a New Dispute Dear TransUnion, This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the provision of the Method of Verification ( MOV ) related to the XXXX XXXX XXXX appearing on my credit report. This is not a new dispute, but a direct request for compliance with federal law, as mandated by Congress and the statutes of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite repeated attempts to resolve this matter, TransUnion has returned disputes regarding this tradelineboth authorized and unauthorizedon more than 20 occasions. As required under federal law, I am entitled to receive the specific method used to verify the accuracy of this tradeline. I demand that you immediately provide a complete written disclosure of the MOV or remove the XXXX XXXX tradeline from my credit report if proper verification can not be established. 

This matter must be handled as a demand for verification and not treated as a new dispute. TransUnions repeated mishandling of my disputes and failure to furnish the MOV constitutes a violation of my rights under the FCRA. Additionally, I demand arbitration to resolve this matter and seek compensation in the amount of {$50000.00} for the damages caused by your companys repeated non-compliance and mishandling of my disputes. 

Requested Actions : 1. Furnish the full and complete Method of Verification ( MOV ) for the XXXX XXXX tradeline. 
2. If proper verification can not be provided, immediately remove the tradeline from my credit report. 
3. Initiate arbitration to address this matter and provide compensation in the amount of {$50000.00} as a resolution for the harm caused. 

Please provide a response within 15 days of receipt of this letter, as required by law. Failure to comply will result in further escalation, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

I trust TransUnion will act in compliance with federal law and resolve this matter promptly and appropriately. 

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

The following account has misrepresented my credit file and worthiness for years now. However, it was rightfully removed in XXXX, but reappeared in XXXX without warning as promised by the FCRA. Dates and amount unconfirmed. Never received any physical documentation as previously and many times over requested. This account has been paid ( 1099 c ) meaning there's no debt owed. Nor has my request for the Method of Verification into this matter been met. Keeping in mind as a general rule electronic Verification can not be suffice in such manner. Please remove and permanently block this over aged unauthorized account ( XXXX XXXX ) from my credit file immediately. Your cooperation is appreciated.

1. XXXX XXXX XXXX XXXX