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

I am writing to file a formal complaint regarding the unauthorized disclosure of my personal information, which violates the Family Educational Rights and Privacy Act ( FERPA ) and 20 USC 1232g ( b ). Despite the legal protection afforded to my personal information under these regulations, my information has been disclosed without my written consent.

I wish to emphasize that I have never provided written consent to the XXXX XXXX XXXX or any credit agencies to furnish my personal information. This breach of privacy has caused me significant distress and concern for the security of my personal data.

I am hereby requesting that you conduct a thorough investigation into the matter and provide documentation demonstrating that you have obtained my explicit written consent as required by FERPA and 20 USC 1232g ( b ). If you are unable to provide such documentation, I demand the immediate removal of the disputed information from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to request your assistance with an ongoing issue I am experiencing regarding inaccurate information reported by TransUnion on my XXXX XXXX XXXX 

I have been in contact with XXXX XXXX XXXX regarding an account I had with them. During a phone conversation on XX/XX/XXXX, they confirmed that this account was never reported as charged off, Its reported as current. However, I am concerned that TransUnion is inaccurately reflecting this account as charged off. 

As you may know, a charge-off occurs when an account is XXXX days past due. In this case, I settled the account on XX/XX/XXXX, and XXXX XXXX XXXX received the payment on XX/XX/XXXX. Furthermore, if you review the payment history, you will find that there are no late payments associated with this account. 

Given these circumstances, I am formally requesting that this account be removed from my credit report immediately, as it violates the Fair Credit Reporting Act ( FCRA ). I will be uploading all relevant documentation supporting my claim for your review. 

Thank you for your attention to this matter. I appreciate your support and look forward to your response. 

Sincerely,
Product: Credit reporting

Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.
Product: Credit card

I am writing to bring a distressing situation to your attention concerning Synchrony XXXX XXXX. 

Towards the end of XXXX, I made a purchase with Synchrony XXXX XXXX, and I was assured that it would be a 0 % interest rate transaction. To streamline payments, I activated automatic payments and diligently ensured that every charge was promptly settled. There were no missed payments or discrepancies. 

However, my concern arose in XX/XX/XXXX when I realized that I had not received any statements from Synchrony XXXX XXXX since that time. Additionally, I have not received any emails from them since XX/XX/XXXX. Disturbed by this, I accessed my account and discovered an unexpected interest charge of {$1100.00} on XX/XX/XXXX, despite having a balance of around {$800.00} at that time. 

Since that date, I have been subject to monthly interest rates with astronomical figures. Astonishingly, my current balance has now exceeded the initial purchase amount, even though I have diligently fulfilled all payment obligations. 

Compounding the issue is the lack of communication from Synchrony XXXX XXXX. The absence of statements and emails has made it challenging for me to monitor and address this situation promptly. 

I contacted Synchrony Bank on XX/XX/XXXX about this issue. They said because the promotion had expired, I was charged a 30 % interest rate based on the balance at that time. I have never been informed about this expiration. I have never heard or received any notification/statement or other form of communication from Synchrony for more than a year. 

I am seeking the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and take appropriate measures to rectify the unfair interest charges imposed on my account. 

Your swift attention to this matter is highly appreciated, and I look forward to a prompt resolution. 

Sincerely,
Product: Checking or savings account

Hello, After my debit card was many times blocked due to suspicious activity I decided to close my account. I call to the bank and they told me I would have to go to the Branch, after visiting the branch I was told that my account will be closed and I will get the check by mail after the pending transactions posted into my account.

After 3 weeks nothing happened, I don't have an online access to my bank anymore, but when I call the bank automatic service I can verify that bank account is still open and the money is there. It seem the bank doesn't want to give my money back!
Product: Debt collection

This is a follow up response to CFPB complaint XXXX ( response from XXXX & XXXX ). I believe you all need to investigate any illegal attempts for these law firms and financial institutions illegally charging fees, obtaining charged off accounts. I am familiar with the ( Fair Credit Reporting Act ). Midland Funding is not the original creditor of whatever debt this is. I have no prior relationship with them. Therefore, I have requested a complete transaction history, previous payoffs, charge offs from prior creditors that might have had this debt. I have requested this information a few times. I have not received anything from the Midland Funding or their attorney 's. This leads me to become a bit suspicious of their activities. They should have this information. I want to see what the original balance was prior to them obtaining this debt they state is mine. I want to see if they've illegally charged fees on a charged off account. Per an attorney who gave me free legal advice they are supposed to provide the requested this information. Also, he stated they are not supposed to charged additional fees once an account has been charged off. Therefore, I would like to see/know if there were any illegal steps taken in obtaining this debt. I still don't know what the debt is for because I don't know who the original creditor is. Also, I am considering filing a complaint with whoever oversees the CFPB I see that there are several options to filing a complaint such as CFPB Ombudsman, Office of Inspector General, Counsel of Inspectors General on Integrity and efficiency and Council of Inspectors General on Financial Oversight.
Product: Debt collection

I have reached out to this debt collector Law Office of Mitchell and explained to them that this is not my debt, I met my out of pocket and deductible for that year ( Which was over 7 years ago ). Then I disputed the debt through the credit bureau 's and then they changed the date of service to this year. The past few weeks they started reaching out to me using my company 's website portraying themselves as a new lead. 

I have included
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, XXXX have called equifax, XXXX, and also XXXX  numerous of times and also sent certified mails without any solution being solved. Today XX/XX/2023 still have yet to have 19 total inquiries on my credit that is still listed. Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc. is still reporting as late on my credit report without my consent, no wet signature was given for a consent to equifax to report to my credit report. These inquiries and all late payments shall be removed with my demand. My credit score has dropped tremendously, hurting me and my family from a buying a house, a car for my supported needs. This is against my rights as a consumer. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX under the account number ( XXXX ). These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, and OR collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit card

My family is traveling abroad this Wednesday, and I will not be able to use my card ( Amex gold ) as a result if it is not expedited. Multiple calls to Amex did not get me anywhere.I need to have the card sent to a different address ( where I have already had a card sent to in the past, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

I have an auto loan at Fifth Third bank XXXX XXXX XXXX, who is claiming that my payments XXXX made via XXXX ) were rejected by my primary bank, XXXX XXXX XXXX  XXXX XXXX XXXX. As such, I have received several NSF fees. According to the rep I spoke with, a different XXXX non XXXX ) account was selected multiple times in a row. This never happened. Never in the years I've made payments have I selected anything other than the intended account. To suggest that I did so several times in a row stretches credulity well past its breaking point. They refuse to do anything about their serious system error, or to correct the erroneous NSFs.
Product: Student loan

This is now my second complaint to submit after my initial submission on XX/XX/XXXX remains unresolved. Since then, the payments were reversed in my account,, not once but twice, each in the amount of {$470.00}. XXXX reversal was completed on XX/XX/XXXX and the second was completed on XX/XX/XXXX. This issue has been ongoing since XX/XX/XXXX when I initially requested the refund, which has had to be re-requested by different Mohela representatives several times so I've been told, and I've been given a different excuse why every single time. My loan balance now refects two reversals of payments that I made totaling {$940.00} and I recently consolidated my loans through a different loan provider due to this ongoing issue that I've been calling about consistently for over a year now, so now Moehla has been paid for those payments twice now, from me initially and again when my loans were consolidated through AidVantage after Mohela failed to make the corrections to my account that they have been claiming were in progress for over a year. I am looking to have the total balance of {$940.00} refunded to my bank account now, there is no excuse for why this is still pending when Mohela claims it takes 90 days to receive the refund and here we are XXXX days later and this issue still is not resolved.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a matter related to a financial hardship I experienced recently. Upon reviewing my credit report, I noticed that you have charged off items ; however, I have not received a 1099 for this particular transaction. 

Capital One Capital One XXXX XXXX XXXX XXXX Child support In light of this, I kindly request that you provide me with a 1099 for the charged-off item at your earliest convenience. Having accurate and complete financial documentation is crucial for my records, especially considering the challenges I've faced. 

Your prompt attention to this matter is greatly appreciated. I am eager to resolve this issue and ensure that all necessary documentation is in order. 

Thank you for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY, XXXX XXXX XXXX, AND XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION EXPERIAN AND XXXX WILLING REPORT THIS FRAUDULENT INFORMATION. ACCORDING TO XXXX XXXX XXXX I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX XXXX XXXX ( XXXX ) ( XXXX ) The term XXXX means the XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, invoice, and Experian are assumed to be credit bureaus and there is only XXXX Bureau in that is the XXXX XXXX XXXX XXXX. On XX/XX/1933, XXXX enacted XXXX XXXX to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency... Are inconsistent with a declared policy of XXXX... In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and ... Every obligation here to XXXX or here after and cured, shall be XXXX upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. XXXX XXXX XXXX ( XXXX ) ( XXXX ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated XXXX XXXX XXXX ( XXXX ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account. Remove these account immediately or pay me {$250000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion due to their failure to respond to my dispute letters within the required timeframe, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I mailed two dispute letters to TransUnion via USPS certified mail. The first letter, with tracking number XXXX, was delivered on XX/XX/2024. In this letter, I requested an investigation into the following inaccurate items on my report : XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX  XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX  XXXX XXXX  : XXXX, XXXX  : XXXX, XXXX  : XXXX, and Public Record Reference Number : XXXX. Additionally, I disputed the following incorrect personal information : Incorrect name : XXXX XXXX XXXX, as well as incorrect addresses : XXXX XXXX XXXX, XXXX XXXX, CT, XXXX and XXXX XXXX XXXX  XXXX, XXXX XXXX, CT, XXXX. 

The second letter, with tracking number XXXX, was also delivered on XX/XX/2024. In this letter, I disputed the items XXXX  XXXX XXXX  - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  - XXXX, and XXXX XXXX - XXXX and specifically requested TransUnion to provide their method of verification. I asked for the specific date on which they initiated contact with the creditor regarding the disputed item, the complete contact information for the creditor including their business name, address, and any available telephone numbers, the full name of the individual at the creditor 's end who verified the accuracy of the disputed information, and the method ( s ) through which they communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). I also requested confirmation of whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process. 

Despite providing all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address to help TransUnion verify my identity and address, I have not received any response from TransUnion regarding these disputes. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letters sent to TransUnion, along with USPS certified mail proof of delivery, as evidence.
Product: Credit card

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identify theft. I found numerous accounts on my credit report that were not open by me. this has been hurting me as lam in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Mortgage

I signed up for the haf program as listed on the caliber website I was approved and there is just a horrible delays with caliber processing the payment my forbearance is over this month they still havent posted XXXX payment I dont want to extend the forbearance but it looks like I will have to because they arent posting payment in a timely manner and Ill be receiving assistance for the next 12 months
Product: Credit card or prepaid card

Barclay bank has a credit card named XXXX. 

I have this card probably more than 10 years. 

in XXXX they sent me a promotion letter with blank checks. I wrote a {$6500.00} check to myself and deposited into a XXXXXXXX XXXX account. And the check bounced. Called Barclay, was told the check only can be used to pay other credit card. Checked the checks I received, it says deposit into any bank account or used in any way as a check. 

Called several times and was handed up several times, usually after waiting in the line for more than 60 minutes. Finally reached an oversea call center was able to leave a note in my account that I called. I believe it is XX/XX/2021. 

Late on I was able to use the checks to make two balance transfers to my bank account. Therefore those checks are only good for other credit cards is not true.

Then the Barclay bank didn't send me my May 2021 monthly statement and got a call today that my account is over due. Able to pay the monthly payment by calling them.

Now let us talk about the damages by Barclays Bank 1. There is a check bouncing fee charged by XXXXXXXX XXXX that is {$12.00} on XX/XX/2021 2. Because they didn't send me the statement, they charged me a late payment fee {$29.00} on XX/XX/2021.

3. total {$41.00} so far.

4. There is very possible more damages will come in the future.

I have with Barclays for more than 10 years, I have never been late with their payments!