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

My student loans were recently transferred to a new loan servicing platform, and the prior student loan accounts were not closed or shown as transferred after doing this. This is causing my loans to show up as double on my credit report as shown on both my XXXX account and XXXX XXXX journey. Also, after a dispute with XXXX about this issue I logged back in to find one of my loans showing a balance of {>= $1,000,000} which is very obviously incorrect and absurd. The correct amount of the loan is {$1000.00}. These issues need to be fixed. It is hurting my credit and debt/income amount which can cause my credit score to decrease drastically and take away my ability to receive future financing.
Product: Debt collection

Over XXXX phone calls in last appox 120 days. I advised them when returning phone calls of bankruptcy ( XXXX 2014 ) discharge. Supervisor said i was crazy and I initiated all phone calls.I have ignored the calls, but i am getting calls now early a.m on weekends. They also read me my attorney 's name address and number without my providing it, so they know of my discharge info without me giving them details. Portfolio Recovery
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered an XXXX exercise bike from XXXX XXXX but was charged for a over {$4000.00} treadmill. 
It took me countless hours to resolve this situation with TD Loan who XXXX XXXX uses for their financing. 
I am so upset to have been treated so unprofessionally and now see that my credit has lowered because of them reporting I owe {$4300.00} when I only owe {$2000.00}. 
Im very upset.
Product: Debt collection

I am a XXXX XXXX permanently XXXX Veteran, living on a fixed income. After completing my service time in XX/XX/XXXX, I have had to have numerous XXXX that have deemed me unable to work. I have had this item that shows as First Progress with a balance reporting of {$190.00} charged off, on my credit report. First Progress is a secured account, that I sent the company {$300.00}. In XXXX of XXXX- I reached out to all and any creditors and made them of an upcoming XXXX   on my XXXX, due to a XXXX  injury in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can explain how I owe {$190.00} of my own {$300.00}. The company is actually still mailing me statements showing a credit of {$1.00} on the account. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been paid through collateral of my own funds, as it was a secured account. I dispute through the credit bureau and get nothing. I call and am told nothing.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail stating that my credit report had a credit bureau breach, upon receiving the data breach letter I notified some inquiries that I did not know about, therefore all inquiries should be deleted immediately from my credit report, by law a consumer and natural person, I am aware of all of my rights that I have, and which are protected by the Congress on the fair credit reporting at the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality on the 15 USC 1681 B 15 USC 1681B section 602A states I have the right to privacy 16 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without any written instructions. Aggravated identity, theft, 18 USC 1028 A 15 USC 682 a financial institution may not disclose negative personal information to a non-affiliated third-party. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : 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 XX/XX/XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Product: Debt collection

In a recent review of my credit report, I have noticed you are trying to collect on a debt you say I own you, but I have never received a call or letter from you, so I need you to please tell me on what date did I open an account with you and why you think I owe the debt. Send me a signed copies where I contracted to do business with you and the date I entered into an agreement with your firm or the name and address of the original creditor to whom the debt is currently owed, the account number used by that creditor and the amount owed to that creditor the date it was open and the date it was transferred. 

Pleas provide verification and documentation with my signature on it, and that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide written agreement that created my original requirement to pay the amount and age of the debt, a copy of the last billing statement sent to me by the original creditor. Explain how the debt is permitted by law and if so why you did not give written notice that you are taking action past the limitation period and are you trying to get around this law by reporting and old debt as newer that it really is. But by lying about the age of the account is or the date of any delinquency, you or the debt buyer violates the FCRA.
Product: Credit reporting or other personal consumer reports

I mailed a letter to XXXX, XXXX, and Transunion asking for an update on my personal information XX/XX/2023. They insisted that I did not know my personal information and refused to update and/or remove names that do not belong to me, social security numbers that are not mine, old non mailable addresses, and my employment information. 15 U.S.C 1681B ( A ) ( 2 ) entitles me to update my consumer report in accordance with my written instructions. Refusing to remove outdated, irrelevant, and non mailable addresses from consumer report violates my rights. This is causing direct damage to my character and mode of living. 15 U.S.C 1681A defines what a consumer report is and what it should be used for. The options listed are " ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. '' Please update my personal information as requested. I have attached a new letter written to be uploaded here because they did not respond to my request from XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. Stated that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information, information does not belong to me
Product: Debt collection

A collection company is trying to charge me a collection fee for a debt they bought and collected on. I paid my debt of {$470.00} the day I was notified. They are trying to add on {$140.00} as a collection fee they are charging. My right I believe is they can not collect more than my debt.
Product: Debt collection

They do not have a legal contract with me. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. Therefore they keep trying to collect a debt which is not theirs. They have nothing stating that this is there debt. Attempt of validation is not valid. They are not on the orginal contract. I did not receive validation.
Product: Credit card or prepaid card

While working for XXXX, I received a Debit Exceed card in which my payroll was put on to. I am no longer employed for XXXX. I was able to use my card until the end of XX/XX/XXXX. As soon as I noticed I was not able to retrieve my funds on the card, I contacted the company. XX/XX/19 called and was told my card was on hold and that I would need to submit a copy of my card, drivers license and a piece of mail with my address. I called back XX/XX/19 and was told it would be another 3-5 business days until I was able to access my funds. I tried several times to use my card to no success. On XX/XX/19 I called again and was again told my card was on hold. I then asked what was needed to do so that I was able to close the account and get my funds on my card. I was then told I needed to submit a copy of my drivers license again, a statement and a letter regarding why I wanted to close the account and my signature. I then called again 3-5 business days later several times only to be told my account was still on hold. Each month they have been deducting fees from my account and still unable to use my card or get my money. I was a XXXX XXXX XXXX   and unable to contact them between XXXX   and XXXX XXXX. I was finally able to contact them again XX/XX/19 in which I again submitted now 3 forms of identification. XX/XX/19 was the last time I contacted them and the account was still on hold, but could not do anything because it was not during the 8-5 monday-friday business hours. But indicated they would now want me to submit my social security card. I refuse to submit anymore items as this sounds like fraud to me. I received a W2 in which I filed taxes on money I still am not able to access. As of today XX/XX/19 the account is still on hold. All I want to do is get my money and close the account before they consume it in fees and begin to ruin my credit.
Product: Checking or savings account

I received an offer directly through the Bank of America website when I logged in about a promotional offer for a business checking account. The offer stated that you has to open an a business account before XX/XX/23 and deposit {$30000.00} in the account within 30 days and maintain that amount for an additional 60 days. After that point you will receive {$1000.00} cash bonus. I called Bank of America around XX/XX/23 to verify the offer and ensure Im eligible. I was told I was and proceeded to open the account on XX/XX/23. 

I met my account requirements on XX/XX/23 but now Bank of America is stating that they cant find the offer and the offer code provided in the application didnt match what Im stating. I provided proof directly from the online Bank of America site. 

I feel like bank of Americas actions are deceiving and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion, a credit reporting agency, for their violation of several federal laws designed to protect consumers and ensure accurate credit reporting. TransUnion 's actions are in direct violation of 5 U.S. Code 552a, which requires agencies to maintain accurate records and handle personal information responsibly. They have failed to comply with 12 CFR 1016.1 and 12 CFR 1016.4, which outline the scope of the Fair Credit Reporting Act ( FCRA ) and require prompt investigation of consumer disputes. Additionally, TransUnion 's non-compliance with 12 CFR 1016.7, which outlines responsibilities of furnishers of information, raises concerns about their failure to conduct reasonable investigations. They have also violated 15 U.S. Code 6802, which establishes guidelines for proper disposal of consumer report information. I have not received a summary of my rights under the FCRA, as mandated by 15 U.S. Code 6805. Furthermore, TransUnion 's inclusion of inaccurate and fraudulent information on my credit report, which falls under the exclusions of 15 U.S. Code 1681a ( 2 ), demonstrates their failure to ensure accuracy and integrity. Despite providing an identity theft report, TransUnion has not removed the information within the required four-day period, violating 15 U.S. Code 1681c2. Their willful noncompliance is subject to civil liability under 15 U.S. Code 1681n, and their negligent noncompliance is subject to civil liability under 15 U.S. Code 1681o. These violations undermine the trust and reliability of TransUnion 's credit reporting practices, and I urge the CFPB to take appropriate action to hold them accountable and rectify these violations. Ive included the previous FTC theft report in this complaint, and also the most recent letter that Ive mailed to Transunion, and have not had a response from Transunion.
Product: Credit reporting or other personal consumer reports

The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Friday XX/XX/year> someone hacked my husband and Is account and stole {$830.00}! We called Friday immediately to report the issue and we got horrible customer service! I was locked outta my account! My husband requested we speak to a manager and we were told it would be an hour wait. We stated we would wait. We were told it would be a two hour wait. We stated again well wait, this is serious. We were then told no manager was available. Saturday XX/XX/year> we and spoke with a different representative, a lady, she actually had to reset my account because I was locked out! She explained the process to us and we wait until Monday morning to call back to Sofi and I finally spoke with a Manager who took a look at those transactions and could clearly tell it wasnt authorized by my husband or myself. He actually felt like we did and said on recording it looked like an inside job and he was about to send this information to their security team to investigate and I felt like finally we are getting the help we need. I got an email stating on Monday XX/XX/year> our account was frozen while they do an investigation. I was fine with that because I stated my husband and I had a direct deposit coming on Wednesday or Thursday and he said we could make deposits and no could take anything out unless we call and let them know. Tuesdays at XXXXXXXX XXXX I get an email from Sofi stating after a thorough investigation we would not get any of our money back and the cased was closed that fast! How? We called back Tuesday and spoke with another manager, a lady and explained again. I asked her to tell me yes or no, is it your policy to see your valued customers have trusted you with personal information and you cant credit anything back to us until you do a real investigation. I couldnt get an answer. It is Wednesday XX/XX/year> and my husband and I have no money. She said all she could do was file another dispute for us. I went on Sofis Facebook page and read reviews to see if any other customers have had these type issues with Sofi and there are so many people! The reviews are horrible! I have filed a complaint with you, the FTC, I will be calling customer XXXX XXXX and I will be getting a lawyer!
Product: Credit card

Good morning this bank Synchrony closed my JCPenneys account. I never asked them to close my account. I had faxed them an about accounts that was closed on my credit reports, and I wanted them to remove those accounts from my credit report. One of them was not a JCPenneys account so that one was put in wrong, on my letter and they should have seem that account number was not a jc penny account. Ive been calling the number and they would keep on telling me that they do an investigation. I have sent them copies of my credit report so they can see that that account number thats on my letter for JCPenney is not their account today I called and the supervisor says they dont see none of my papers that Ive been faxing to XXXX. If they didnt get my papers, they have removed the QVC which you see on my letter off my credit report and they removed the XXXX XXXX my credit report, but instead of removing JCPenneys off my credit report, they closed my account and all I want is my account reinstated because I never told them to close my account. I told them that on my credit report those accounts was closed which you will see because Im sending a copy of the letter that I sent them also, I have sent them credit reports so they can see that that account number was not a JCPenneys account, thanks PS never close my JCPenneys account. Only thing I said is removed from my credit report.
Product: Vehicle loan or lease

I currently have a vehicle loan with Flagship Credit Acceptance. I am currently 33 days late behind on payments. I've been attempting to contact the company to get current on the loan and they are refusing to give me ANY information until I make current on the loan. I am refusing to pay on the phone with their current reps because I want to view my statements. The rep told me on the phone today that they are withholding access to my online portal and any statements until the loan is caught up. I am unable to access my current rate, the current calculation of interest, nothing. I have no idea how my payments are going to be applied. I just want access to my online portal. The vehicle was also purchased with admin ignition keys and the rep on the phone told me at time of the loan they would assist me, and I have not yet been helped.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion. I have repeatedly sent dispute letters regarding inaccurate information on my credit report. However, instead of addressing my concerns, TransUnion has responded with stall letters.
Product: Debt collection

I had a derogatory remark appear on my XXXX and XXXX reports for a debt of {$120.00} from CONTRACT CALLERS INC opened on XXXX that I was never contacted about. It says the original creditor is XXXX XXXX XXXX XXXX. I last used XXXX in XXXX of XXXX, when I moved from my apartment in XXXX. I closed my account. I have tried contacting ComED to see if there is an open balance I was unaware of an they have nothing on their record. The Contract callers have never contacted me about this so called debt but they keep filing derogarotry remarks on my XXXX and XXXX reports.