23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX PA XXXX To Whom it may concern : Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for XXXX violating the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. 

Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual.

I mailed a dispute via Certified U.S. Mail ( XXXX XXXX XXXX XXXX XXXX  ) to TransUnion requesting that TransUnion provide Permissible Purpose U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA concerning several unauthorized Hard Inquiries on my TransUnion consumer report. The Certified Mail Receipt shows that TransUnion received my dispute on XX/XX/XXXX. According to the FCRA, TransUnion had XXXX  days to comply with U.S. Code 15 U.S.C. 1681 et seq. Section 604. 

TransUnion has failed to meet its statutory obligations and is knowingly and willfully reporting false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 

The disputed Hard Inquiries that lack Permissible Purpose as defined per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. XXXX  form is not sufficient as per the above sited laws. 

On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that CRAs can not only use XXXX  forms to verify consumer disputes. The Court stated that XXXX  forms are not deemed as a reasonable investigation as a matter of law. 

Please DELETE these unauthorized Hard Inquiries due to FCRA violations. 
TransUnion has not conducted a proper reinvestigation of my disputes as mandated by the FCRA because TransUnion violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my consumer report within XXXX days of receipt of this Demand Notice.
Product: Credit reporting or other personal consumer reports

My credit report lists late payments that don't align with my regular payment behavior. Please fix these inaccuracies.
Product: Debt collection

I sent this company a certified and registered letter asking for validation of debt. The company produced a bill that was not between me and or their company. The letter was received on XX/XX/21. Since then, I still have not received validation of this account.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/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 XXXX  days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

Dear CFPB, I am writing to express my concern regarding the handling of a promotional offer associated with my Chase XXXX credit card. When I opened the card on XX/XX/XXXX, the offer stated that if I spent {$4000.00} within the first three months, I would receive five free nights at XXXX hotels. 

During this period, I relied on the XXXX app to track my spending progress, as the Chase app did not provide a clear progress bar or record of how much I had spent toward the {$4000.00} threshold. The XXXX app displayed the points I earned, which led me to believe I had surpassed the required spending amount. Unfortunately, this information was misleading because certain purchases earned more than 1 % points back, skewing my understanding of the total eligible spending. 

After XX/XX/XXXX, when my third statement was generated, I discovered I had not received the promised bonus. When I called Chase on XX/XX/XXXX for clarification, I was informed that I had only spent $ XXXX {$19.00} short of the {$4000.00} requirement. This discrepancy was deeply frustrating, as I had been unaware of my exact spending progress during the promotional period due to the lack of transparency in Chase 's app. 

I genuinely intended to meet the spending requirement, as evidenced by how close I came to the threshold. The absence of a clear progress tracker in the Chase app left me reliant on the XXXX app, which provided misleading information. By the time I realized the shortfall, it was too late to make up the difference. 

I respectfully request that Chase reconsider my case and honor the promotional bonus, as my intent to meet the requirement is evident, and the lack of proper tracking tools on their end significantly contributed to the issue. 

Thank you for your attention to this matter.
Product: Checking or savings account

was contacted to purchase goods that I was selling on XXXX. XXXX contacted me via email that he was interested & then sent a text from XXXX. He then contacted me from the number listed below telling me that he was sending a check for {$3000.00} to purchase the goods I was selling & pay to ship. I informed him on XX/XX/XXXX when the check arrived & he asked me to deposit & wire the remainder of the money to the movers. I deposited into my Savings account & transferred what I charged for the goods, {$250.00}, & the rest needed to send the movers into my Checking account. I sent 3 wire transactions totaling {$2500.00} using XXXX ( XXXX to XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX for {$1000.00} ; XXXX to XXXX XXXX on XX/XX/XXXX for {$500.00} ). After the final wire on XX/XX/XXXX, I checked my Savings account & it was negative for {$3000.00}. I contacted XXXX & asked him about his bank, & he said there must be some mistake. I followed up with him after I left work that evening & his phone was disconnected. 
After contacting USAA informing them of the situation, they did an investigation & found no fraud. I sent them screenshots of the conversation, the individuals address, & who the wire transfers went to. I received notification from them on XX/XX/XXXX & now my accounts are locked & I have no way to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was monitoring my credit and I saw from the 3 credit Bureus, that there has been faulty inquires on my credit report. 
For example On XXXX I saw ( Inquiry date XXXX for XXXX XXXX  XXXX ) another example I saw was ( Inquiry date XXXX for XXXX XXXX  XXXX ), also another ( Inquiry date XXXX from XXXX XXXX XXXX ). 
These 3 were reporting on my XXXX. 

On my XXXX I see For example ( Inquiry date XXXX for XXXX XXXX XXXX ) The inquires for XXXX for example on my report I have ( Inquiry Date XXXX for XXXX ), another ( Inquiry Date XXXX for XXXX XXXX ), also ( Inquiry date XXXX for XXXX XXXX ), Last that I see on my credit report is ( Inquiry date XXXX for BMO HARRIS ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

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

On or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, TXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have a 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Debt collection

I had an account with Acima Credit and was told by Acima, that making a settlement payment would rectify my account. My paid the settlement agreement on XXXX XXXX. In XX/XX/2020 I contacted Acima by phone asking why the account still shows on my credit report. Acima assured me that by disputing this account with XXXX would be the best way to go to have this collections removed. So I disputed the account only to have Acima update the account stating that I settled the account in XX/XX/2020, which then resulted in my payment history to show as a new collection item for XX/XX/2020 as well as XX/XX/2020. I contacted Acima and XXXX  over 20 times a piece begging for them to update my file with the correct dates for settlement and correct payment history. I understand that having those 2 recent history for XXXX and XX/XX/2020 is negatively affecting my credit and it is hard for me to find a lender to assist me with purchasing a home. I am requesting that the entire account is removed from my credit file considering Acima is reporting inaccurate information. Acima simply will not correct their wrong doing and XXXX  is allowing Acima to report inaccurate info knowingly notated the actual settlement date.
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital one account # XXXX which is reporting a late in XX/XX/XXXX and XX/XX/XXXX, I am unsure how this happened. I believe I made my payments to you when I received my statements. MY only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that Experian continues to ignore my requests for the removal of these items that have already been successfully removed from my XXXX and XXXX credit report. 
Therefore, I am requesting again that XXXX remove these items below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I demand the following accounts be verified or removed immediately. 
1. 15u.S. Code 1692e- False or misleading Representations XXXX Account number # XXXX Update to closed and paid as agreed 2. 15u.S. Code 1692e- False or misleading Representations XXXX XXXX XXXX Account number # XXXX Please Remove from Credit report 3. 15u.S. Code 1692e- False or misleading Representations XXXX XXXX XXXX Account number # XXXX Update to closed and paid as agreed 4. there is some inaccurate information reporting XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Please Remove from Credit report
Product: Checking or savings account

I use a couple financial apps for my direct deposit, every week my other accounts are consistent, my Dave. Account doesn't always have your funds you have to make several phone calls and believe that the call service will disconnect your call if you ask for a supervisor, and when you call back they tell that could take up to XXXX hours, this week I've had it I know I'm not the only one who wonders if there getting there paycheck Everytime I have to deal with this bank. This week there is XXXX dollars that I haven't received, I cancelled my direct deposit as of XX/XX/year>, I still have not been paid or have been offered a reason why, again this is every XXXX weeks and I used the account for the for the last XXXX weeks, you can not count on Dave to receive your paycheck
Product: Credit reporting or other personal consumer reports

Thank you for your response to complaint # XXXX on XX/XX/XXXX however your response was inappropriate to complaint not once in my original complaint did I request KIKOFF to delete a late payment in fact nothing about a late payment was ever mention how or why KIKIOFF chose to respond about a late payment being removed is a mystery so that we have a clear understanding of what's been requested I will ask for a second time I am requesting DETAIL INFORMATION about account XXXX KIKOFF reported charged off as stated in my original complaint KIKOFF LENDING LLC , reported to all three major credit agencies Account # XXXX had charged off on XX/XX/XXXX and {$320.00} written off ( profit and loss ) I never received any documentation ( 1099c ) regrading this charge off and I am requesting documentation today if for any reason account was charge off by any other methods please identify that method in detail and provide supporting documentation for my records. if for any reason XXXX XXXX XXXX did NOT actually charge off account on XX/XX/XXXX as it reported they are in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION. If actual charge off date is different from XX/XX/XXXX that was reported please provide the actual legal date the charge off occurred. furthermore was there any insurance filed for this account?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal crediting Act this creditor has violated my right under 15 U.S.C. 1681 Section 602 stated I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666 : A creditor may not treat a payment on a credit card account under open-end consumer plan as late for any purpose.
Product: Checking or savings account

Bank locked up my account. I called to unlock it. They refused to unlock it. I then requested they close my account and mail me a check for the balance to the address on file. They refused to do that as well.
Product: Mortgage

In the months of XX/XX/XXXX and XX/XX/XXXX I was late making my mortgage payments, XX/XX/XXXX was made XX/XX/XXXX and XX/XX/XXXX. I have made the payment plus late fee for these months. Ocwen Loan Servicing is charging me an additional {$6.00} for " Certified Mail Cost '' ( XXXX charges on XXXX/XXXX/XXXX, XXXX charges on XXXX/XXXX/XXXX, and XXXX charges on XXXX/XXXX/XXXX ). None of the mail that I received from Ocwen arrived at my home address ( billing address ) was registered or certified mail, however ; my renter received one certified mail at the property address for which the mortgage covers. This seems like an excessive amount of certified mailing charges and extremely unjustified.
Product: Credit card or prepaid card

They are reporting negative inaccurate information. 

The payment status is incorrect. Says not paying as agreed which is false! I currently have a XXXX card and they would not have let me opened that if this was true. 

The high balance is incorrect.
Product: Debt collection

i have never been to this place never was seen here and never did any type of business with this company and never will this account has been removed previously by both XXXX and the other XXXX bureaus due to multiple listings and lack of validation i would like this removed permanently furthermore they continue to call my phone and hang up and its harassing me
Product: Debt collection

This debt collector removed reporting from 2 out of 3 Credit bureaus I want it to be removed from XXXX as well
Product: Student loan

I recieved a letter on XX/XX/XXXX stating that Im eligible for public service loan forgiveness and my loans would be discharged in 30 days. To date, federal student aid has not even sent discharge instructions to Mohela. Its been over 100 days. Everytime I call they give me different information. The first time I called, they said my discharge was on that date and to expect a letter that day ( XX/XX/XXXX ). Nothing happened. I called again a week ago ( XX/XX/XXXX ) and the rep told me the previous rep was wrong and to just be patient. My loans have not even started to be forgiven over 100 days later!
Product: Checking or savings account

On XXXX XX/XX/2023 I made two payments in the amount of {$110.00} and {$200.00} to my XXXX XXXX cards. The funds were to be withdrawn from my Navy Fed checking account. On XX/XX/2023 when the funds were presented I didnt have enough to cover both transactions so I was charged {$29.00} for Insufficient Funds twice. Once I discovered I didnt have enough to cover on XX/XX/2023 I immediately deposited {$300.00} into my account. which brought my acct to {$290.00}. XX/XX/2023 The {$110.00} was represented. on XX/XX/2023 When I looked at my account again I realize I didnt have enough to cover the {$200.00} so I deposited {$45.00} which brought my account to {$220.00} on that same day Navy Fed charged me with another {$29.00} Insufficient Funds fee however my account had enough money to cover the charge. On XX/XX/2023 I deposited another {$100.00} in my account which brought my account to {$290.00}. On XX/XX/2023 Navy Fed yet again charged my another {$29.00} Insufficient Funds. 

I accept that at first I didnt have enough to cover my transaction, however I attempted to correct the issue by making deposits. As a consumer who have limited funds and attempting to pay my bills on time, it was disheartening to see {$110.00} being deducted from my account. How am I able to have enough if the bank continues to charge multiple Insufficient Funds for the same transaction? I believe this unfair to the consumer and its really causing me mental distress and other emotional issues.
Product: Debt collection

judge determinated XXXX balance. Landlord is trying to collect on a close case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion., XXXX XXXX XXXX XXXX XXXX , AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$1800.00}, XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Mortgage

Since the complaint I filed re : CitiFinancial, I have now received another letter dated XXXX of an intent to foreclose. There was never a formal letter from them stating they denied the loan modification submitted by the housing counselor. They now want {$15000.00} to stop the foreclosure.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions
Product: Money transfer, virtual currency, or money service

Td Bank would not allow me to access my banking information to transfer money received for sell of cryptocurrency.