23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase account closed 6 weeks ago due to lack of chase helping with disputed charges. Chase took a {$500.00} payment on 6 week closed account and is saying they cant help.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION XXXXnformation Solutions , Inc. ( hereinafter referred to as " TRANSUNION '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to TRANSUNION requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$230.00}. The FCRA mandates that the credit bureau, in this case, TRANSUNION must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate.

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA.

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I received an automated email from USAA saying my contact information had successfully been changed. Since I did not make any changes I immediately logged into my account and realized both my mailing address and email address had been changed. I also noticed that I had been approved for a new credit card that I did not request. I immediately called USAA to report that fraud had occurred and my account information had been changed and a credit card opened without my consent. I was told they would refer my incident to the fraud department and not to cancel the credit card as that would occur during the fraud review. That same day I placed fraud alerts with the credit bureaus. From XX/XX/XXXX until XX/XX/year> I had no contact from USAA on the credit card account. Neither emails nor mail regarding the credit card were sent to me. On XX/XX/XXXX, I received an automated message stating my account was past due. I immediately called USAA to understand what happened. I was told the fraud department had concluded that no fraud occurred and my account remained open. The past due charges were related to an unpaid annual fee. USAA also confirmed they had never mailed me the credit card nor sent any email or mailed statements to me, so I would have had no way of knowing the account was still open. They also let me know that I am not able to speak with the fraud department and my only option would be to request another review through the fraud department. I was also advised to not pay the past due fee because that would signal that I took ownership of the credit card. In a 90 minute conversation I which I expressed grave concern that this past due account would be reported to the credit agencies and cause significant negative impact on my credit score, I was still given no options to resolve this opened account. Not only that, but I was told no one would reach out to me to let me know the outcome of the fraud review and it was my responsibility to continually call USAA until a determination was made by the fraud department and I would be told when I called. I learned on XX/XX/XXXX that my past due account was reported the credit bureaus and my FICO score dropped XXXX points.
Product: Checking or savings account

I recently applied for Business Credit Card with Truist Bank and as the personal guarantor was denied however the letter says my score came from XXXX which said one thing however, I have XXXX Subscription in which I can see my XXXX XXXX and credit records Truist also claim I had Delinquent accounts I don't have Delinquent Accounts my account is in good standing also in the letter was no number for Reconsideration Department and Truist says proportion of balances to credit limits is too high on revolving accounts base on XXXX utilization score is 14 %
Product: Credit card

To Whom it May Concern : Attached is a recap of the events leading up to the return of the XXXX XXXX XXXX device purchased on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX XXXX device was sold to myself as a XXXX XXXX device that would help treat my XXXX XXXX XXXX on my body, specifically my XXXX XXXX. It was also sold under the pretense that I could get reimbursed the monies for the device ; if not full reimbursement, partial reimbursement from my medical insurance ( since this was a XXXX XXXX device ). When I received the device at my home, I was surprised once opened, that it appeared to be a used device. There were fingerprints all over the device, box had been opened and re-taped. Clearly, this was not a new XXXX XXXX device. Also, I had asked at the time of purchase, that I did not want to purchase something that was made in XXXX? They assured me that wasnt the case. MADE IN XXXX was the first thing I saw while opening. I proceeded to take it to XXXX of my doctors offices and asked if it was a XXXX XXXX device that would help treat my XXXX XXXX, both doctors let me know that it would do nothing in the treatment of XXXX XXXX. I then contacted my medical insurance and was notified that absolutely nothing would be reimbursed for the device since it was not a XXXX XXXX device. Therefore, my next step was to return the device along with the products they had given me at the time of purchase. The sale was based on fraudulent claims that were untrue. I returned the XXXX XXXX  device and all of the products that were given to me on XX/XX/year> via XXXX XXXX. It was received, accepted and signed for on XX/XX/year> by XXXX. 
American Express was notified to retract the {$13000.00} charge ( which they did ) ; however, the company charged my card again. American Express has retracted the charge for a second time and asked that I give an accounting of what took place with any paperwork I might have. This is the true accounting of what took place. Attached are photos of the device ( when delivered ), a copy of the details of when the delivery of the returned items were received, accepted and signed for and the original receipt. 
Thank you so much for your attention to this matter. If there are any questions, please do not hesitate to contact the undersigned. 

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

i am making this complaint solely on my own. 

on XX/XX/2021 i sent out a dispute letter to experian. asking them to remove items from my report because i didnt give them written permission to allow the items to be on my report. i based my facts in the letter on the law o.c.g.a. 15 usc 1681a ( d ) ( 2 ) ( B ). when i didnt hear back from them by XX/XX/2021, i then called experian and the girl on the phone said she didnt know about the laws so she cant remove items off my credit report. so on XX/XX/2021, i had an affidavit of truth written, signed, and notarized and i mailed it to experian. along with the original letter i wrote and evidence. i have still have not heard back from experian, not by phone, and not by mail. it has been over two months since i originally reached out to experian concerning my credit file and credit report. from my understanding if they do not respond back in 30 days then the items must be removed from my credit file immediately. also from my understanding of the government law the items that are on my report should not have been on there in the first place. please help me to get a response from experian credit reporting agency. thank you cfpb
Product: Vehicle loan or lease

on XX/XX/XXXX i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
they are no longer in business. the price was {$7400.00} i put a down payment of {$1000.00}. the balance of {$6400.00} was financed by westlake financial. the payments were {$250.00} per month. i did not really look at the interest until westlake financial gave my loan to a company called XXXX XXXX. i went through bankruptcy from XX/XX/XXXX through XX/XX/XXXX i did not put westlake financial on my bankruptcy case. when i looked at my loan i have paid {$3300.00} XXXX. i knew i would pay a high interest rate. 
i thought i was paying 24.99 %. 
i am checking to see if the rate of interest i am paying is legal.
Product: Money transfer, virtual currency, or money service

XXXX***NOT A DUPLICATE COMPLAINT. PLEASE DO NOT CLOSE**** **FOLLOW-UP TO COMPLAINT XXXX First and foremost, I am owed about {$3.00} more because that is the total amount listed across all transactions that were processed and made using the PayPal account in question. To then proceed, I'd like to inform you that I DID NOT CREATE A PAYPAL ACCOUNT. As has been communicated to you now ample times, I don't know why this continues to be ignored. If I had indeed created this PayPal account as XXXX XXXX, then it would be stupid to argue and state that on a consistent basis ; I'd look like a fool. Once again, please stop saying that as we continue to navigate this matter because it misrepresents the situation. There has been information conveyed to you from multiple outlets as proof that I, as XXXX XXXX, did not initiate any of the 18 transactions made on the account. Therefore, to say that PayPal has conducted a review and state that no unauthorized access was found is simply WRONG. Even your own back-end team has finally come around as expressed earlier, believing and validating information about everything being argued and at hand. Indicators also include media articles published in my town 's local journalism networks indicating that they are a known XXXX, so to speak. I've also asked to resubmit that as proof again, but once again, that is continuously ignored. I've also expressed information that as I'm not your customer, the 180 day policy window doesn't apply to me. I've sent multiple proofs as well about how I went to my bank first and it took them a while to review the original 2 transactions before coming back and stating that they aren't responsible and to address it with PayPal. To say that two transactions were filed and disputed with my bank for PayPal charges is once again false. The same information was also communicated with other relevant parties, such as merchants who advised the same thing. To say that other parties supersede the decision when they are also arguing that they aren't responsible to go with the recurring feedback being given is very unprofessional. Do better and take accountability. And just for the record, my bank did automatically issue me, XXXX XXXX, new information once I reported the two charges to them. This matter is not resolved, and I will continuously make new tickets since you are not only committing unethical behavior, but theft with not refunding MY MONEY that you have no ownership over when it's been confirmed I, as XXXX XXXX, didn't make any of these purchases. The further action to take is refunding or finding an alternate source of compensation since there is no further investigation to be done.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$6500.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit inquiry from XXXX XXXX XXXX and I dont even fly. This is a synchrony account it looks like. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, Transunion is violating and not abiding by the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ) of 1968. With Transunion violating and not abiding by these laws it has affected my right to obtain credit and my quality of life. On XX/XX/XXXX I ordered my Transunion Credit Report and noticed some inaccuracies with a duplicated student loan Creditor ( XXXX ) on account # 's XXXX and XXXX. On XX/XX/XXXX I sent a 609-letter certified mail requesting Transunion to investigate the duplicate accounts # from creditor and to provide me with documentation to validate their investigation these duplicated accounts with creditor. On XX/XX/XXXX I received correspondence back from Transunion with no validation of the duplicate account # 's and creditor as they still appeared on my Transunion credit report. On XX/XX/XXXX, I sent a 609-letter demanding the validation of their investigation of duplicate accounts and creditor via certified mail. On XX/XX/XXXX Transunion still has not provided me the validation that I am entitled. That is violating my Fair Credit Reporting Act rights and Consumer Credit Protection Act rights because they continue to report false, deceptive information regarding account 's and creditor. I need CFPB help in ensuring Transunion abides by the laws in place that protect me as a consumer.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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!

Update the late payments from my consumer reports
Product: Debt collection

I believe this is fraudulent and identity theft. I never received funds from this company and I know it was not something Ive authorized. I believe it is fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Errors and Discrepancies on XXXX Student Loan Account To Whom It XXXX Concern, I am writing to formally dispute the inaccurate reporting of my XXXX student loan account, as reflected in my credit reports provided by TransUnion and XXXX. I have identified multiple discrepancies and errors in the reported information that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the disputed account and discrepancies : Account Number : XXXX High Balance : {$6000.00} Date of Last Activity : TransUnion XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Date Reported : TransUnion XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Date Opened : TransUnion XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Balance Owed : {$0.00} Account Status : TransUnion XXXX Closed ; XXXX XXXX Open Payment Status : Late XXXX  Days ( both bureaus ) Payment History Discrepancies : TransUnion : Late payments ( XXXX and XXXX  days ) reported from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : Similar late payments reported for the same period. 
Identified Errors and Violations Inconsistent Reporting Across Bureaus : The payment status and payment history are not uniformly reported. While TransUnion and XXXX report late payments from XX/XX/XXXX to XX/XX/XXXX, XXXX does not report any payment history. 
Account Status Discrepancy : TransUnion reports the account as closed, whereas XXXX lists it as open, creating a conflicting narrative. 
Privacy and Accuracy Violation ( 15 USC 1681b & 15 USC 1681c ) : The late payment information reported does not reflect the actual payment history as per my records. Moreover, the discrepancies across bureaus demonstrate negligence in ensuring accurate reporting. 
Incorrect Date of Last Activity : The dates reported by TransUnion ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) are inconsistent and fail to accurately reflect the true date of the last activity on this account. 
Failure to Update Account Information : Despite resolving the account in XXXX, the discrepancies and conflicting statuses persist in reports from TransUnion and XXXX, indicating noncompliance with 15 USC 1681s-2.

Requested Action Given the documented inaccuracies, I request the following actions be taken : Immediate investigation into the accuracy of the reported information. 
Removal or correction of all inaccurate late payments from XX/XX/XXXX to XX/XX/XXXX. 
Consistent reporting of the account status as closed with a {$0.00} balance across all bureaus. 
Written confirmation of the corrections made to my credit reports. 
Failure to address these discrepancies within XXXX calendar days will leave me no choice but to escalate the matter further. I trust that you will handle this complaint promptly and in compliance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I look forward to your swift resolution. 
Sincerely, XXXX XXXX
Product: Debt collection

This company was very rude, I spoke with three people and out of the three I spoke with the supervisor as well as the vice president were the most unprofessional ones, I contacted Arbor Professional Solut debt collection company on X/X/17 in regards to a dispute they have placed on my credit report for {$230.00} I spoke with XXXX who is a Arbor Professional Solut Agent, informed him of the mis-communication with this creditor and seeing that the creditor had no real documentation from me or any signed agreement stating I was aware of any charges for an appointment that she scheduled on her own for a mis-communicated appointment date in my books it was different, I informed XXXX with my issues and asked, how is your company able to collect a debt with no-documentation stating I was aware of any amount owed or even scheduling a appointment, he did n't have this information.I was transferred over to XXXX who was the supervisor who was very rude, I tried to explain the situation she continuously cut me off stating " File a dispute '' I understood the part and wanted to know how the investigations work, she stated they 'll send the creditor back the dispute and it goes from there, I asked XXXX well if she 's sent my information over for collection how would that work with her taking it off? she ( creditor ) & I have had discrepancies in regards to the matter and wo n't fix it, XXXX states well you must had because she has your information, I informed XXXX just because she has my information does n't mean I 'm subject to be charged for a debt that is incorrect, I asked XXXX for proof showing I was aware of this debt as well as any documentation that I can have from the creditor showing I am to pay this debt and proof on why the debt should be collected, XXXX informed me I needed a " signed '' written request to retrieve my information, How am I to know this debt is correct if I do n't have proper information and it 's already been placed on my credit? she states a written request after multiple back and forth I asked XXXX well seeing I was told I need proof for my investigation I have several voicemail confirming she never confirmed about any scheduled appointment how can I get them to you for my investigation she says we only have fax machine and mailing address if you can figure out some way to have it sent somehow then that would be on you, she was very rude and cut me off multiple times by the time I was finished I was transferred over to the Vice president XXXX who was also just as rude, he informed me to file a dispute not even hearing my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.