23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a shelving unit for a total cost of {$190.00} on XX/XX/XXXXXXXX   the next statement I paid {$60.00} which was posted on XX/XX/XXXX. The next statement I paid it off which consisted of the balance for {$130.00} plus interest of {$2.00} totaling {$130.00} which was paid on XX/XX/XXXX. On XX/XX/XXXXXXXX  I receive a statement in the mail for a late charge for {$30.00}, I immediately pay it thinking was I late back then? I than check my statement & realized I paid that off on XX/XX/XXXX. Per my statement an interest charge of {$2.00} was added on XX/XX/XXXXXXXX  after the loan was paid off. They continued to charge me monthly for interest & late fees which is how that {$30.00} was accumulated. I called & after several attempts I finally got customer service. I immediately requested my account to be closed & I was told they would send me a refund for the overpayment of {$30.00}. A week or so later I received a check for only {$8.00}!!! I did not bother calling them for the {$22.00} they still owed me as my account is now closed so I wrote it off as a loss. Its now XXXX & suddenly I now owe them {$62.00}!!!! I believe that when they only refunded me the {$8.00} dollars they kept the {$22.00} as a balance owed on my account which allowed them to accrue charges on my account that I am no way responsible for. This is XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 without my written instructions
Product: Checking or savings account

Navy federal is restricting my account because a family member accidentally reported XXXX transactions when they were disputing transactions on an unrelated matter. I notified navy federal security department that the accidental flag would be resolved because my family notified the bank they accidentally disputed the transaction. Navy federal proceeds to close add a permanent restriction on my account. I also have an open fraud claim on my account and they refuse to give me any information on whats going on my account. Im a victim of theft and fraud and they are treating me wrongly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bank of america revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted Bank of america on XX/XX/2019 and they couldn't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 certified letters to Transunion request they correct or delete the disputed information they have on the Bankruptcy. They responded with the information is accurate. I have explain several reason the public record should be deleted : 1 ) According to the XXXX XXXX XXXX XXXX XXXX XXXX Begin XXXX, XXXX 2017 Minimum reporting of name, address, social security and/or date of birth. This information is not listed. 
2 ) I contacted XXXX they couldn't verify the accuracy of the public record so they deleted. 
3 ) XXXX and XXXX couldn't verify the accuracy of the public record and deleted. 
4 ) I contacted the reported Bankruptcy court and they verified they do not provide information to any credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) On XXXX  a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Credit reporting or other personal consumer reports

Ive been disputing this account for over 120 days regarding inaccurate late payment reporting. I requested correction of the payment history to reflect Paid As Agreed PAANL based on Metro 2 compliance. The furnisher has failed to provide any legally required documentation under 15 U.S.C. 1666b ( Fair Credit Billing Act ) showing I was ever mailed notice of billing errors or delinquency within 30 days. They also failed to reinvestigate and respond to my dispute within the required 30-day window, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) under the FCRA. Despite being notified of reporting errors, they continued to furnish derogatory data in noncompliance with CDIA Metro 2 format. This is willful and negligent under 1681n and 1681o. I am requesting CFPB enforcement and correction of the account to reflect Metro 2-compliant status : Status : C Current / Pays As Agreed Profile : PAANL Paid As Agreed / No Lates Last Payment and Last Reported Dates updated accordingly
Product: Credit reporting or other personal consumer reports

It has come to my attention that certain accounts associated with my name are either not mine, were not properly verified, or contain inaccuracies due to your willful negligence. Your misrepresentation of the facts has caused me harm, and I demand the immediate correction and updating of these accounts without further delay. I require the removal and closure of the following accounts : - XXXX XXXX : ending in XXXX. 
By failing to adhere to your own administrative procedures, you have demonstrated blatant negligence. This is unacceptable, and I demand immediate compliance with the proper protocols without exception or delay. Tacit Agreement : By your inaction, you acknowledge and accept an obligation to pay me {$800.00} immediately. Failure to comply will constitute a deliberate breach of this agreement.
Product: Credit card or prepaid card

I had a credit card with XXXX XXXX XXXX credit card. My payments were always on time. The card was closed apparently due to excessive debt ; I use less than 10 % of my total credit line. I applied bfor a credit card from XXXX 's XXXX ; a competitor and my card was close almost the same day. This was an unfair practice without justification.
Product: Credit card or prepaid card

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.
Product: Money transfer, virtual currency, or money service

hi, i opened an account by Coinbase like a year ago. since then i have been able to buy, sell and exchange cryptos. 

the XXXX of XXXX last i tried to send a small amount of eth to my wallet in swissquote ( XXXX XXXX and it didnt worked out ( no problem - the transaction has been voided ) BUT MY ACCOUNT HAS BEEN ARBITRARILY DEACTIVATED SINCE THEN, claiming a security issue. 

i wrote to them immediately telling them that my account is not in danger whatsoever and got the answer they are gon na check the issue and it can take till 10 ( ten! ) days to get an answer ... 

after 11 days no comment from them. no answer to my mails. 
i should have XXXX XXXX -- in there now ... 

please help. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, NV XXXX, XXXX XXXX XXXX CA XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX XXXX {$2000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1400.00}, and DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX
Product: Debt collection

Received a notification. From XXXX  that 2 debt accounts have been added to my credit. One for {$220.00} and {$80.00} I have not received no information about debt. I do not have any collection on my accounts.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank USA, N.A., cancelled my debit card that was not expiring until 2020. I had to make two phone calls and speak to several people for too long of a time period to not get any answers as to why my card was cancelled without my knowledge. <P/>When I went to my local Chase Bank ; the woman at the desk, apparently illegally requested another card on my behalf with out my knowledge which I was denied for ; I discovered in a letter by mail. <P/>When I called the company regarding my account, I was transferred to another country phone line whom told me that my U.S. public records are public to them as well. I was not assisted and transferred to a supervisor whom confirmed they were not in the United States. I did not authorize Reference number : XXXX I closed my account and withdrew my funds immediately. My public records should not be public, to just anyone, let alone outside of the United States of America. As well as, financial representatives should not be allowed to cancel debit cards that are not expired or closed, and should not be allowed to request new credit without my authorization and speaking with authorities confirming my so-called request. Also, I do not appreciate dealing with foreign workers, when the United States has so many unemployed people.
Product: Credit reporting or other personal consumer reports

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.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. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on my credit inquiries close account. I have a fraud alert on my file but the still is not working. I have ask for validation is never done. All I get is variation from the Credit report agencies. These is my second time reading to you guys asking for help nothing have been done I need these credit agencies to validate or remove these information thats not mine out of my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts over the past two years to receive my credit report from Equifax and have been unsuccessful. In addition, when I have applied for credit and Equifax Inc is the furnisher of the information used in making the decision with regard to my credit worthiness, Equifax Inc has reported a score of " 0 '' thereby making it impossible to gain credit causing undue hardship. Equifax Inc in addition has refused to provide me with a copy of my own credit report even though I have provided and forwarded all necessary identification information to them.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX at Car Mart in XXXX, MO and have tried to get the interest rate adjusted under SCRA to 6 % as this purchase was pre service. I spoke with the Finance Manager on the XXXX of XX/XX/XXXX while with my Financial Counselor, and they stated that they were going to reach out to their headquarters for more information regarding SCRA benefits and they would contact me. It has been over a week now and still no resolution to my request. I do not understand why it it taking so long for their response. This is a Federal law which is very clear.
Product: Credit reporting or other personal consumer reports

TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Account Reporting Under FCRA Dear TransUnion, I have already formally disputed the reporting of a charge-off account on my consumer credit report. The account in question is from XXXX XXXX XXXX XXXX. This information is inaccurate and should be removed from my report for the following reasons : Treatment of Debt as Income : This account has been reported as a charge-off ; however, under IRS regulations , a charge-off debt is considered income when canceled or forgiven. There is therefore no basis for reporting this as a charge-off on my credit report as income is not reported on consumer reports. 


Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that only accurate and verifiable information be reported on consumer credit reports ( 15 U.S.C. 1681 ). As this debt should be classified as income rather than debt, its inclusion as a charge-off constitutes inaccurate reporting. Further, under 15 U.S.C. 1681i, a charge-off can not have a reporting balance. 


Income Reporting on Consumer Reports : Income or canceled debt does not fall within the scope of items that can legally be reported as negative information on a consumer credit report. Continuing to report this account is misleading and does not accurately reflect my financial obligations. 


To resolve this matter, I request the following actions : Remove this charge-off entry from my credit report ( timeframe : 4 business days ) since this is a persisting issue previously disputedly privately with TransUnion. Also provide a written response detailing the deletion. 

Thank you for your prompt attention to this matter. I look forward to your reply. 

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

AVANTE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter requesting an investigation about questionable accounts on my credit report. I received investigation results saying that the account was accurate so I decided to follow up with the creditor. The creditor sent me a letter saying that they could not locate the account. I then mailed your company back and forwarded this information to you asking for a deletion because they couldn't have verified it if the creditor can't locate the account. However, it has been almost 4 months and this account still remains on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Revolving with account # XXXX opened on XXXX and a balance of {$490.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
15 U.S. Code 14 15 U.S. Code 16.
Product: Debt collection

XX/XX/year> DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, North Carolina, XXXX Dear Transunion, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Several calls throughout the last 2 years to fix the management of our accounts. Several payments have been " lost '' or not applied to account or applied to incorrect account. Finance charges are incorrectly applied to monthly billing/payments. Fees erroneously or incorrectly applied. Payoff amount is incorrect. 
First contact made about these issues XX/XX/2019.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE NEGATIVE REPORTING LISTINGS ON MY CREDIT REPORT FROM A COUPLE OF ACCOUNTS THAT SAYING I'VE BEEN LATE ON MY PAYMENTS. BASED ON MY RECOLLECTION, I HAVE NEVER BEEN LATE ON THESE ACCOUNTS. THE ERRONEOUS STATUS OF THE CREDIT REPORTING AGENCIES IS UNACCEPTABLE AND IS PREVENTING ME FROM OBTAINING NECESSARY FINANCING. THE ACCOUNTS ARE : XXXXXXXX XXXX   XXXX # XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX
Product: Debt collection

I received an alert something was added onto my credit report. When I checked my report on XX/XX/2024 I saw that Sunrise Credit Services added an account stating I missed a payment on one report and the other report said I owed {$180.00}. I sent Sunrise Credit Services a DEBT VALIDATION letter requesting proof that I owed The debt and all documents that had my signature on them. I have not received anything I requested and its been 30 days.