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

I'm submitting this compliant due to the negative information that XXXX XXXX XXXX XXXX XXXX has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : XXXX XXXX XXXX is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXX XXXX  : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of XXXX XXXX  : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because I noticed Regions Bank reported hard inquiries in XX/XX/XXXX and ( 2 ) in XX/XX/XXXX on my credit reports. I am requesting the removal of these inquiries from my XXXX credit reports. 

When I called about an overdraft issue, I spoke with a representative, and she talked to me about the different available offers Regions had for me. I agreed to the hard inquiry to increase my credit line and refi. Unfortunately, the number of inquiries I ended up receiving from Regions Bank on my credit report was more than I expected My husband and I are currently in the process of applying for a construction loan to build our family 's dream home. The negative impact of these multiple inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
Product: Debt collection

You've 1 dishonored violated 15 USC 1692c ( c ) by RESPONDING TO THE C & D INCORRECTLY. YOU THEN SENT A PAYMENT HISTORY OF NOTHING. YOU THEN LIED ABOUT AN COLLECTION AGENCY UNDER FEDERAL LAW. I HIGHLIGHED EVERY VIOLATION YOU BROKE UNDER THE FDCPA WITH THE USC. NOW NEXT TIME YOU VIOLATE AGAIN & NOT GIVE ME WHAT I ASKED FOR I WILL PROCEED WITH A FEDERAL COURT COMPLAINT. IF THE ACCOUNT IS CHARGED OFF THAT MEANS IYT WAS PAID IN FULL.
Product: Credit card

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Product: Credit card or prepaid card

I signed up for Citi 's Safeguard protection service back in 2006 and was mislead on stipulations that are required to file for unemployment benefits in order for them to activate this service. As being unemployed for 4 months now, I've attempted to activate the benefits and was denied due to the fact I was denied unemployment benefits from the State of Arizona. This was never discussed as a requirement upon the initial offering of this service that it is contingent upon being accepted or denied unemployment benefits but was offered as safeguard in the event I was unemployed. I've attempted to just ask for the fee charged to be refunded as I can't utilize their service due to their necessary stipulations to activate it so I cancelled the service due to being misleading on how the service will work when been offered it by Citi via customer service call back in 2006. Citi 's customer service wasn't helpful as they just refer you to their third party agency, Citi Safeguard, when I've attempted to call and escalate the matter to appeal the denial so that I can get the fees back they charged me for a service that doesn't assist when you actually become unemployed. Please be aware of these types of service offerings when offered as they may have hidden stipulations and should be advertised along with service offering in the beginning. Otherwise I would have never signed up for a service that will not assist and deny you when you actually need it to function but they already collected their fees for it and not willing to give it back to customer.
Product: Credit card

The following complaint is regarding my Capital One QuickSilver Credit Card. 

On XX/XX/XXXX, I called Capital One to file a dispute for {$1000.00} against XXXX. The representative assured me that the dispute had been filed and that the process would take 90 days to resolve. 

During the call, I specifically requested a confirmation number, but the representative did not provide one. Despite this, I was led to believe that my dispute was properly submitted. 

On XX/XX/XXXX, I followed up with Capital One to check the status of the dispute. To my shock, I was informed that no dispute had ever been filed. A different representative then told me that filing a dispute at this stage would likely be unsuccessful due to the time that had passed. 

I escalated the issue, and a manager named XXXX ( employee ID XXXX ) assured me that he would obtain the recording of my original call within 10 business days to verify what was said. However, when I followed up on two separate occasions, two different representatives informed me that a different manager, XXXX ( employee ID XXXX ), had instructed that I should simply file a new disputewithout addressing the investigation into the original call or offering any resolution. 

When I demanded to speak directly with either XXXX or XXXX, both representatives were unable to fulfill my request. Since then, Capital One has stopped proactively communicating with me, and my requests for updates have gone unanswered. 

Why This Is a Problem : 1 ) Capital One failed to process my dispute as promised, resulting in financial harm. 
2 ) They failed to provide a confirmation number, which prevented me from tracking the dispute. 
3 ) They misled me into believing my dispute was active for 90 days, causing me to miss the optimal window to challenge the charge. 
4 ) Their internal handling of my case has been inconsistent, with one manager promising to obtain a call recording and another dismissing my concerns entirely. 

This situation has caused unnecessary financial harm and frustration, not to mention several wasted hours on the phone speaking with various representatives. I respectfully request the CFPBs assistance in holding Capital One accountable for their failure to process my dispute properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$190.00} ; XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

I had and account with XXXX XXXX that was transferred to Green Tree. Since the transfer in XX/XX/XXXX, Green Tree has used unfair tactics to harass me. A day after I am late for a payment they call none stop from the beginning of the morning until late at night until the payment is made. At the end of XX/XX/2015, they left a message on my ex-husbands voicemail at this home. The message stated that they were taking me to court. They provided him with details of my account and provided him with a bogus court hearing number. They also left a threat on his voicemail stating they were coming to my job or house to serve me with a lawsuit. On XX/XX/XXXX, Green Tree sent a letter apologizing for an error on a bill sent on XXXX/XXXX/15 erroneously included information that I was in default. As a result, I have been receiving calls from other lenders asking if I was in default. This error was reported on my credit report and corrections must be made to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. However, if they failed to do so, they are obliged to correct the account which was erroneous and unverified. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a mortgage with XXXX XXXX. I contacted them directly to refinance my mortgage. I did not XXXX or use any social media to search for information. As soon as XXXX XXXX pulled my credit report, my husband and I both started receiving phone calls and text messages from random mortgage services/companies. Now XXXX XXXX wouldn't sell our info to other other mortgage companies because that would be their competition. The only thing I can assume is that XXXX, TransUnion and XXXX are allowing other entities to monitor my credit report and once someone pulls it, they're notified and know exactly what type of financing. I'm sure the 3 credit reporting agencies are also making money off of my private information. HOW IS THIS LEGAL??? My husband receives 10 plus phone calls every day since our credit report was pulled by XXXX XXXX. He receives the same amount of text messages. All from random companies and numbers. As soon as he blocks one number, they call with another number. I also am receiving calls and texts on my phone. It's a violation of our privacy and this practice needs to STOP!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9900.00} 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
Product: Credit reporting or other personal consumer reports

I was advised by a representative at Transunion to file this report. These inquiries are fraudulent and do not belong to me. Please remove them from my credit report. 

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
Product: Credit reporting or other personal consumer reports

Im filing this complaint due to TransUnions willful, intentionally and consistent failure to conduct a reasonable re-investigation of my credit report disputes, as required by law.

They are currently in violation of several CFPB consent orders including XXXX XXXX. XXXX and XXXX for continuing patterns of misconduct, failing to produce accurate reports, failing to timely remove a security freeze and failing to clean up its business practices. 

I have filed XXXX complaints with the CFPB expecting your help to resolve these issues. TransUnion continues to provide false, inaccurate and misleading information on my report and to you in their compliant responses. Subsequently you close them out without confirming the information they provide or verifying the issue is resolved in accordance with the Fair Credit Reporting Act. 

The most recent complaint was sent via certified mail to TransUnion on XX/XX/XXXX. I demanded a re-investigation of the items Ive been disputed since XXXX that TransUnion refuses to properly investigate with the furnishers of the information and provide me with the proof of such. They also added a fraud alert to my report that I did not contact them to request. 

I required TransUnion to contact me only by a written letter ( no emails or phone calls ) with their results, a copy of my report and confirmation of the fraud alert removal. TransUnion did not respond to the dispute. Since XXXX, they also have been refusing to provide me with a copy of my credit report violating my federally protected consumer rights. 

I am requesting your assistance to get TransUnion to comply with law and make the corrections to my consumer report I am disputing. If they refuse to remove the account or update to accurately state the account was paid satisfactorily with no derogatory remarks, I demand TransUnion provide me with written documentation swearing under penalty and perjury laws they were there when all the alleged debt were established and can prove with documentation they received from the creditors the information is 100 % accurate. I demand they also swear under oath that I signed for the account and I signed documentation agreeing to add TransUnion to the account to be able to report on it. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX  AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in 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. 

XXXX XXXX XXXX XXXX  AND XXXX XXXX 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: Debt collection

Subject : Request for Assistance in Removing Erroneous Credit Report Entry Dear Consumer Financial Protection Bureau, I am writing to inform you that Calvary SPV I LLC sued me for collections and failed to appear in court, which resulted in the case being dismissed in my favor. Despite this court ruling, the collection remains on my credit report. I have reached out to this collection Agency XX/XX/XXXX, XXXX and XX/XX/year>. I have not received a response! 

I attended court to dispute this case, and the judge 's dismissal clearly supports my position. I request your assistance in having this inaccurate entry removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Bank account or service

I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Money Gram Money orders. Money Gram claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Money Gram and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Money Gram States on the back of their check, Not good after one year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was Complete and accurate according to 15 USC 1681i ( 5 ) Ill wait 30 days and receive my info investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX XXXX and Trans Union did not modify or remove anything. The open day is not correct they last accurate is not correct on three credit report dates of the last payment is not correct on all three credit reports. Which is a violation this is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how XXXX Trans Union XXXX violated my rights
Product: Money transfer, virtual currency, or money service

Hello. My name is XXXX and I have had an issue with XXXX  for months now. A friend of mine sent me {$220.00} through XXXX  and I sent it to him through XXXX. XXXX  then proceeds to freeze his account for weeks, then unfreezes it and erroneously resent me the {$220.00} payment back to my XXXX  account. After I received that payment, my account was closed for absolutely no reason. XXXX  said they were withholding the money for 180 days, but didn't even provide a reason as to why my account was shut down or my friend 's money was stolen in the first place. I don't even want my account back because I don't want to deal with their company whatsoever, but I want to get my friend 's money back to him ASAP. I was told this department could help me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was paid {$1200.00} from XXXX via PayPal. Tracking # has been provided, and delivery confirmed. PayPal is still REFUSING to release my funds to me! They're not being cooperative or helpful in any way.
Product: Credit reporting or other personal consumer reports

I looked at my report XX/XX/year>, and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it has to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. The account ( XXXX XXXX XXXX ) is not complete and accurate. 

( XXXX XXXX XXXX ) The account status, open date, terms, payment status, payment history and closing date is not correct. This account is not accurate. 

Under the Fair Credit Reporting Act, they violated laws such as section 611 and 15 USC 1681i 7.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Company, Please have an actual human review these documents and think! Someone must review this. You all keep sending me automated verified letters that are clearly not accurate! This account needs to be deleted as the creditor is abusive and threatening and clearly keeps changing its story and details such as original amount. And you all are just following whatever they say. This is the point when more responsible credit reporting companies would delete the record. I expect the same from you.

Notice that in the attached letter from XX/XX/ XXXX acknowledges the lease term was paid in full. They attacked an additional charge of XXXX after the lease was finished. Its NOT part of the original amount as they have reported to XXXX. They have are so inconsistent with the dates and amounts on this lease. The original lease is finished and paid in full. If they want to try and rob me of more money by claiming the fraudulent charges of another XXXX they need to delete the original record from my account then add another record to the credit report as they have threatened. These predators are evil and are agents of XXXX. Stop letting your hands be used by the XXXX! If you refuse to delete these records and stop empowering this predatory lender to keep abusing me, understand you will answer for this in the day of Judgement. 

Please delete this now! Its not accurate and should not be on my credit report because this creditor is clearly lying and trying to extort money from me. I will never give them any money. They can send all the letters they want. They won't send this to court because they know they will lose! XXXX  if you refuse to delete this, I ask you to send your lawfirm to file this. They will tell you to drop this and leave me alone! I hope you arrogant monsters fall into the legal trap and do something so I can expose what you and that dealership did to me. I have found other victims and will be working on a class action against you for your leasing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services is reporting a {$1400.00} on my XXXX Toyota Financial Service lease account. The account number is XXXX with Toyota Financial Services. 

Toyota Financial Services has sold the balance to XXXX XXXX which is a debt collection agency. XXXX XXXX has reported a debt collection on my credit files with XXXX, XXXX  & XXXX. The balance shows {$1400.00} I called Toyota Financial Services on XX/XX/XXXX and verified with XXXX ( representative ) that the account balance now shows a {$0.00} balance with Toyota Financial Services. The balance and collection activity has now transferred to XXXX XXXX. 

However, Toyota Financial Services continues to report the {$1400.00} balance on the Toyota Financial Services lease account on my credit report with XXXX, XXXX, & XXXX. 

Toyota Financial Services needs to update the balance to {$0.00} with XXXX, XXXX, XXXX  since the debt has been transferred to XXXX XXXX. 

Currently, this is an FCRA violation as Toyota Financial Services is now reporting an incorrect balance since the debt has been transferred to XXXX XXXX. 

The balance should be updated to {$0.00} on the Toyota Financial Services lease account and should be updated on my credit report with XXXX, XXXX, and XXXX. 

I have attached the Toyota Financial Services lease account, on how it's being reported to XXXX, XXXX, & XXXX  with the incorrect balance.