23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute the validity of a debt that your agency has placed on my credit report. The debt in question, referenced as XXXX XXXX  for {$720.00}, was previously disputed with the Consumer Financial Protection Bureau ( CFPB ). Despite this previous dispute, the inaccurate information provided by your agency persists on my credit report. 

During the previous CFPB dispute, it was highlighted that your agency 's information provided to verify the debt was inaccurate. Specifically, the final ledger provided by your agency does not match the name and lease information outlined in the original lease agreement, which I provided as evidence. 

This significant discrepancy calls into question the accuracy and legitimacy of the debt that your agency is attempting to collect. As such, I demand that the erroneous entry be removed from my credit reports immediately, per the Fair Credit Reporting Act ( FCRA ) provisions.

Furthermore, I assert my rights under consumer protection laws and demand compensation for the damages incurred due to this debt 's inaccurate reporting. These damages include but are not limited to, harm to my credit score, denial of credit opportunities, and emotional distress. 

I expect a prompt response to this dispute and request that all collection activities related to this debt cease and that this debt be removed from my credit report immediately. Failure to comply with these demands will result in further legal action to protect my rights under applicable consumer laws. 

Thank you for your attention to this matter. 

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

I checked my credit report this afternoon but there are some accounts reporting as inaccurate. I have no idea why those accounts are inaccurately reported but I do know that I want it removed as soon as possible.
Product: Checking or savings account

I traveled to the XXXX for vacation on XX/XX/XXXX. I received a notification from Chase that my account ( checking ) had been locked due to suspicious activity on XX/XX/XXXX. I had not used my debit card, I had only XXXX  a contact in the XXXX {$100.00} that I have previously XXXX. I was unable to access my account online or via the app due to it being locked. I was unable to call the number provided due to being out of the country. The only way I could contact them was via XXXX, which I did, but they were unable to help me. When I returned back to XXXX on XX/XX/XXXX I called and was informed that my checking account had been locked but that they were unable to tell me why. While we were on the phone, I received a text notification that XXXX of my savings accounts was also now locked. I called back hoping to get more information, they could not provide me any so I went to my local branch. At this point my checking and XXXX savings account was locked, but my XXXX custodial savings accounts were still active. The branch teller was unable to give me any information as to why Chase had locked my accounts and then informed me that Chase was terminating my relationship with them after 20 years of being a good customer. I asked to withdraw the money from the XXXX custodial accounts, at which point they then locked those as well. 

I have received the money from my checking ( {$6500.00} ) and savings ( {$2900.00} ) account - those checks were received in the mail to my house in early XXXX. I still have yet to receive the XXXX custodial accounts. XXXX in the amount of {$3900.00} and the other in the amount of {$2400.00}. I called on XX/XX/XXXX to find out where the money is and was they informed me that the checks had been sent on XX/XX/XXXX to my address from four years ago that I no longer reside. They were unable to tell me why they were sent to the wrong address wherein the first XXXX checks were sent to the correct address, Since the XXXX custodial checks had not been cashed, they said they would reissue and send them to the correct address. 

As of XX/XX/XXXX I still have not received the checks. I called Chase yet again on XX/XX/XXXX and was informed that the checks still have not been reissued and they were unable to provide me a date as to when they would be. 

Nobody is able to tell me why all of this occurred in the first place and since my accounts have been locked and unable to access money, I am hopeful that the interest will also be included.
Product: Credit reporting or other personal consumer reports

I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a 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

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to credit report. These remarks have been detrimental to my life and credit health.
Product: Checking or savings account

I previously opened a checking and a saving account with USBANK. I sent an email on XX/XX/2018 to USBANK to close the account. 

However, USBANK failed to close the account and did not respond to my emails. It, however, kept charging service fees on the account and, until the balance turned negative, closed it. I have contacted USBANK customer service over the phone early this year to resolve that and it has never been resolved. My online access is also disabled. 

I received a phone call from USBANK today, informing that I am still responsible for the debt. They denied receiving any emails from me requesting the closure of the account. I have attached a copy of that email.
Product: Debt collection

I received a voice-mail from XXXX XXXX at Pioneer Credit Recovery ( XXXX ) on XXXX/XXXX/16 at XXXX In the message she asked me to call her back about a teacher I work with, XXXX, with a reference number. I texted XXXX first to see what it was about and she said this woman had been harassing her and also contacting XXXX 's family members. I do n't know why she called me, but it seems like harassment to contact co-workers about a person 's debt. I did not call XXXX back and blocked the number. I do n't know how she got my name or phone number.
Product: Credit reporting or other personal consumer reports

I am formally filing complaint regarding inaccurate information on my credit report, specifically concerning two student loan accounts that do not belong to me. I believe that these accounts have been mistakenly associated with my credit profile, as I have never attended school and have not applied for any student loans. I am attaching copies of my updated XXXX XXXX XXXX, which clearly show the two erroneous student loan accounts in question. The discrepancies on my credit report are causing significant harm to my creditworthiness, potentially affecting my ability to secure loans, housing, and employment opportunities.
Product: Credit card or prepaid card

Kohls closed my account, which I have maintained for over ten years. I called the company, and Kohls representative stated that the " consumer closed the account. '' I never permitted Kohls to close the account. Furthermore, only two months ago, I received correspondence from kohls saying that they cleared up any late payments due to bank error. I have proof of the documentation that stated that all late payments or any negative info on credit reports were removed, which were improperly recorded on credit reports by them. Kohls never sent written correspondence about the closure of the account and the only reason I found out my account was closed was when I attempted to make a purchase, the merchant stated the account was closed.
Product: Mortgage

We are a XXXX XXXX. The XXXX requested a POA to use for the spouse for the purchase of the home. We sent our approved XXXX to the XXXX for approval on XX/XX/year>. They in turn asked that we change " legal '' verbiage on the POA. We informed them that we could not make those changes as we are not XXXX. The following day their processor changed our form without permission and sent it to us. Email chain will show this. We stated to her that this was not only against the law but unethical. The XXXX XXXX apparently did not see an issue with changing a Legal Form that has MY company 's name on it as the prepared by. Communication after this point was very volatile. He also contacted the Realtor to bad mouth my company and question why the seller chose my company. This is steering. After many unprofessional emails I quit communicating with this XXXX XXXX. I am appalled that a XXXX would change a XXXX XXXX 's form and believe it is ok to do so.
Product: Checking or savings account

XXXX  XXXX XXXX, CitiBank and XXXX opened accounts in my name without my permission for someone other than myself and are charging me and now I can not open a new account for myself because of this. I have reached out to all of these banks and they refuse to remove it from my consumer report file. I have forwarded them copies of police reports FTC reports and all other requested documents and yet they still refuse
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the following accounts : 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 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, credit repair services, or other personal consumer reports

Navient has  my account listed w ith 3 nega tive payments from  XXXX   XXXX . and  XXXX   XXXX  in which they are adversely affecting my credit worthiness. I have never been late on this loan and was currently in a deferment during this time that they are reporting inaccurately. I have disputed this with Navient and the  XXXX  credit bureaus and they continue to report incorrectly which is a violation of the law.
Product: Credit card

XXXX I don't understand what Medicaid 's not paying this bill I don't have the money right now to pay it Medicaid should have paid for it not me
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and my account was closed due these reasons, and I request an investigation into my account transactions.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XX/XX/2019 for 30 days late? 

I am not sure how this happened, but the payment was set up automatically and all the sudden they stop taken the payment from the account. When I found out that they didn't take the money. I personally called Toyota finance, and they said honestly they didn't know what had happened. They also had mentioned that they would take care the late mark on my credit file due to their internal mistake, but now I'm pulling my credit and reaching out to them and they still haven't updated as paid as agreed never late. Again, I had made my payment with them and they had all my bank information. I have never been late with TOYOTA for all the cars I've leased from the.
Product: Vehicle loan or lease

This company has received a check from my insurance company after the car was total loss. My balance has not updated. Also i have received information that i was a part of a law suit and should be compensated from this company and no one at the company will assist me. I have had repeated harassments, excessive phone calls, threats from an agent while trying to resolve issues with this account. Due to incorrect credit reporting and being involved in this lawsuit due to predatory lending practices this account should be removed from my credit report on all bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom

It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6800.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 2. XXXX/XXXX   with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report I noticed that I have been a victim of identity theft numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAN YOU PLEASE REMOVE THESE FRAUDULENT INQUIRIES OFF MY CREDIT REPORT
Product: Mortgage

I have XXXX issues with Equity Accelerator program offered by LoanCare : Issue # 1 : I closed my account with LoanCare on XX/XX/2016 ( see first enclosed letter ). When I closed my account, there was a remaining account balance of {$3200.00}. According to a LoanCare customer service representative, a check for this amount was mailed to me on XX/XX/2016. The customer service representative said the check should arrive in 7-10 business days. It has been over 10 business days, and I have not received the check. I contacted LoanCare again on XX/XX/XXXX to ask for a status on my check. The customer service representative said I should wait for two more days, and that she would contact me to verify that I received my check. She never called back and I did n't receive the check. I contacted LoanCare again on XX/XX/XXXX. This time I was told to call back on Friday, XX/XX/XXXX and request to be reimbursed one more time. 
In the meantime, I have a mortgage payment due on XX/XX/XXXX and was planning on using the reimbursement check from LoanCare to pay my mortgage. I 'm running out of time. Can you help me please? 
Issue # 2 : According to an LoanCare customer service representative, a check was mailed to me on XX/XX/XXXX and then again on XX/XX/XXXX for an agreement reached between XXXX XXXX and the Consumer Financial Protection Bureau ( CFPB ) regarding unfair/misleading practices ( see second enclosed letter ). I never received this check. I sent an e-mail to the LoanCare Redress Administrator and received a response that it 's too late to receive this check and that I should contact the CFPB.
Product: Debt collection

I worked out a payment arrangement with Fulton, Friedman & Gullace, LLP. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out XX/XX/XXXX however they did XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In fact my drafts begin XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.
Product: Credit card or prepaid card

I filed immediate complaint w/ Discover Card about a VETRENARIAN VISIT advertising " free exam '' X/XX/2017 ( my pet ) never got physical exam, ( in my presence ) no call back on, XXXX XXXX results or diagonosis. nothing for over a month. ( my cat is male they said he was female, my cat is XXXX & has XXXX XXXX and they said he was n't like that when they saw him? ) Called/e-mailed this vendor, XXXX  XXXX XXXX MANY times. They said exam was done in the " back room '' where they took his blood? I filed a DISPUTE w/Discover Card # XXXX.Discover refunded me the $ ( {$88.00} ) at first then charged me back. The vendor sent them 7 pages of questionable /info on my cat.I NEVER SAW or GOT any of this from them, this is 2 months later ... The info they supplied Discover Card was wrong/lied, Discover Card is ignoring my Better Business Bureau complaint, the CA Vetrenarian Assoc. , complaint, numerous online complaints from others about this business and are taking sides w/ the BAD VENDOR .... XXXX does n't do this, they refund you bad vendor purchases w/ a string of complaints ... .I am NOT paying this bill ... .I still do n't know what is wrong w/y cat and DISCOVER CARD is USELESS in protecting consumers. pb
Product: Mortgage

Bad customer service by HSBC, principal payments made but were not applied to principal correctly. On the phone for hours trying to resolve issues and get pay off for loan
Product: Credit reporting or other personal consumer reports

I did not authorize the companies XXXX nor XXXX XXXX XXXX XXXX to furnish anything to my credit report. Under FCRA 15 U.S.C 1681 Section 604a Section 2 - Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I need all accounts related to the companies stated above to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days 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 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 XXXX
Product: Credit reporting or other personal consumer reports

I applied for 3 different bank accounts, on XXXX XXXX and each one denied me because when they ran my name in the XXXX XXXX, it came back as having a 3rd party freeze. I contacted the XXXX XXXX  and they confirmed that they don't have a security freeze on my account. And since it is a third-party freeze that I did not confirm, I should reach out to file a complaint.

I did not authorize ANY third parties to put a freeze on my XXXX XXXX  accounts. 

I need this 3rd party freeze removed because it is stopping me from obtaining a new bank account Thank you
Product: Credit reporting or other personal consumer reports

I submitted disputes of identity theft along with documentation to support my claim on XX/XX/2023 for the following accounts to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts is a violation to my rights. 15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

I was incarcerated at the times these accounts were opened. ( XXXX ) With that information alone the accounts should be deleted.
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on 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 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