23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dispute of Incorrect Charge on Credit Card I hope this letter finds you in good health. I am writing to bring a matter of concern to your attention regarding an erroneous charge on my credit card statement. I would like to request your prompt assistance in rectifying the issue as soon as possible. 

Upon reviewing my recent credit card statement for the month of XXXX, I noticed a charge that appears to be incorrect. The specific transaction in question is described as follows : Date of Transaction : XX/XX/2022 Transaction Amount : XXXX Description : fake agency of any airline charges, my credit card without my consent. 

I wish to clarify that I have not engaged in any business with the aforementioned merchant on the mentioned date. It seems to be an error or a possible case of fraudulent activity. Therefore, I kindly request a thorough investigation into this matter and urge the bank to take immediate action to reverse the charge. 

To assist you in resolving this issue effectively, I have enclosed a copy of my credit card statement highlighting the incorrect charge. Furthermore, I have included any supporting evidence or documents, such as receipts or any relevant communication with the merchant, that could aid in the investigation. 

I emphasize the urgency of this matter as it affects my overall financial stability and trust in my bank account.
Product: Vehicle loan or lease

I took out a car loan with Security Service credit union and paid it in full. Security Service credit union is holding a balance of nearly {$1000.00}. They will not let me have my money because I don't know the account number. I lost the paperwork when I moved into an XXXXXXXX XXXX XXXX. I'm XXXX XXXX XXXX and in poor health. I can't go to their office because of my health issues. All I want is for them to transfer my money to my XXXX XXXX checking account.
Product: Mortgage

I was able to pay off my mortgage in XX/XX/year>. I received the Release of Mortgage from XXXX of this year after I called and asked for a copy. That release of the mortgage was sent to the town of XXXX, XXXX Clerks office for the official filing. I thought this was the final issue with Rocket Mortgage. 

To my surprise, in XXXX I received a Delinquent Statement from the Revenue Office. 

Since my taxes were always included in my mortgage, I have never received a tax bill. I did expect to receive one directly since the mortgage company was no longer involved. But to my astonishment, the bill I received was a delinquent billing XXXX months after the release of the mortgage. It turns out Rocket Mortgage has never sent a release of the escrow account to the town. I will never get a timely tax bill until that happens. So I was penalized with a {$90.00} late fee. 
I have not received the title to my property either.
Product: Debt collection

I received a letter in XXXX from a company called Americollect. This letter stated that I had a collection from XXXX XXXX in the amount of {$100.00}. I am not sure if they got my account confused with someone elses but I did not or do not owe that business any money as I had paid my balance with them the last time I visited. I also know this because I had no insurance at the time and per their policy they make you pay the amount due before they will see you. At the time service is rendered. I reached out to Americollect via a letter which I will attach below and sent that certified mail well within the 30 days. In the letter they asked me to respond within 30 days and it says plus I quote if you request to this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor. The letter date on Americollect was XX/XX/21. In my letter I stated that I would like an itemized bill because the amount is unrecognizable as I have paid my account with Forefront. My certified mail green slip was sent back to me with no other letter attached and was by itself in the mailbox. It was signed off as a date of delivery being XX/XX/21. Well within the 30 days of me asking for them to provide me with information on this so called debt. I sent another letter to them and after several months I only got a single letter back from them with no proof of said debt and what this debt collection was a result of in this medical office. Americollect also reported this to the credit bureaus illegally since they did not respond to me with any valid evidence as I requested and this debt was also reported to the bureaus on XX/XX/21. Which was before I even received the very first letter from them and was also reported before my 30 days I had to respond to this letter. Id like to make this complaint in hopes of this f debt that I do not owe, to fall off. I did send in a dispute letter to all credit bureaus and they agreed with me and deleted the collection from my credit. All but one which was XXXX. I XXXX also like to add XXXX to this complaint as well as Americollect. I have not been supplied the demanded proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have attached a copy of all letters that I have sent to Americollect. Americollect did not indeed supply any proof like I have stated above. I have tried to contact XXXX several times with this issue showing that the attempt from collection was not verified as I have asked. When I have contacted XXXX they have opened my dispute several times and denied it each time. However with all other bureaus they have deleted this collection off of my credit.
Product: Student loan

I am part of the automatic relief group with the XXXX vs XXXX lawsuit. The Dept of Education was ordered to have our loans related to this lawsuit completely discharged from our servicer accounts and the loan servicers were required to remove this debt as if it never existed from our credit history, by XX/XX/2024. To date, XX/XX/2024 my loans have NOT been discharged and Navient has NOT removed these loans from my credit report, thus breaking the agreement by the courts on both. Navient is claiming they have not received any instruction from ED and they are still awaiting discharge instructions. ED has not responded to any of my inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I noticed the above company is the reason a hard inquiry remains on my credit report. The same company is also involved in a collection litigation case. Also, I have requested for this item to be removed from my credit report multiple times, according to the FCRA, 15 U.S.C Code 1681 i ( 7 ) there were no explained reinvestigations on the item therefore I am requesting once more for the item to be removed immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with TransUnion 's handling of my consumer request and their apparent disregard for federal law, specifically the Fair Credit Reporting Act ( FCRA ), as it pertains to my request for the removal of inaccurate accounts from my credit report.

The specific account I am referring to is as follows : ACCOUNT : XXXX XXXX XXXX - {$17000.00} - XX/XX/XXXX INQUIRY : XXXX XX/XX/XXXX I have repeatedly informed TransUnion that the information contained in this account is inaccurate. The character of the account is incomplete, and TransUnion continues to report a charter amount that is both incomplete and inaccurate. It is essential to emphasize that information on a consumer report must maintain maximum possible accuracy, as defined by federal law.

Accuracy, as per 15 USC 1681e ( b ), is explicitly defined as being " correct in all details ; exact. '' TransUnion 's reporting of the details of this account falls short of this standard, as they are neither correct in all details nor exact in terms of the amounts reported.

Furthermore, TransUnion is mandated by law to comply with the FCRA, as stated in 15 USC 1681. One critical provision, 15 USC 1681i, requires TransUnion to notify me of the results of any reinvestigation. However, they have failed to do so despite multiple requests.

15 USC 1681i ( 6 ) Notice of results of reinvestigation ( A ) In general : A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : I hereby request the CFPB 's intervention in this matter to ensure that TransUnion complies with federal law. I urge you to use your authority to prompt TransUnion to : Conduct a thorough reinvestigation into the accuracy of the account in question.

Provide me with written notice of the results of this reinvestigation within the stipulated time frame.

Delete the inaccurate and incomplete account information from my consumer file as required by law.

I believe that the CFPB 's involvement is essential to rectify this situation, protect my rights as a consumer, and hold TransUnion accountable for its noncompliance with the FCRA. I appreciate your attention to this matter and look forward to a prompt resolution.
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 U.S. Code 1666b. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX Account number:XXXX Account Name XXXX XXXX XXXX Account numberXXXX Account Name : XXXX XXXX XXXX XXXX Account numberXXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name XXXX XXXX Account number : XXXX 1666b. Timing of payments ( 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.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a cosumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a certified letter to XXXX XXXX XXXX showing that my wife and I refuse to pay the debt they are trying to collect. My credit reports were pulled from XXXX is still showing a negative item from them and shows that I am disputing the account. How can I be disputing the information AND refusing to pay the debt. I've attached the receipt, the letter, and a credit report showing the information. 

They are also trying to charge interest on the debt. My lease with the apartment complex does NOT have any language stating that interest may be charged in any event. That is against California state law. 

I demand that this be removed from my credit reports due to many errors. Laws state that they can only report things that are accurate.
Product: Debt collection

I have disputed multiple accounts on my credit report. I still receive many calls. When I say i have no clue of the talked about account and ask for information. I'm told a letter should've been sent and that all they can tell me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX  reported late payments on XXXX and XXXX. 
XXXXXXXX XXXX reported late payments on all 3 bureaus. 
XXXX reported late payments on all 3 bureaus. 
XXXX XXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on all 3 bureaus. 
DeptedXXXX reported late payments on all 3 bureaus. 

In accordance with the fair credit reporting act this creditor violated my rights. Under 15USC1681 section 602 states I have the rights to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts XXXXl XXXX bank XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states 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 a account without my written instructions.
Product: Credit card or prepaid card

Purchased a ticket with XXXX on XX/XX/2019 and cancelled it on XX/XX/2019. 
The cancellation was over the phone and was successfully competed. 
To be on safe side I also disputed the amount from Citibank card. 
The amount {$890.00} first was credited from my account on XX/XX/XXXX and was charged back to my account on XX/XX/XXXX. 
The document on my account was very clear that merchant has fully hold itself liable for total credit and explained that credit is coming in two amount for total of {$890.00}. 
First amount was {$60.00} which was credited and second amount {$830.00} that was not and still is not credited to my account. 
Called Citibank many many times and talked to their billing disputes with no results. 
Called merchant ( XXXX  ) and they said the credit amount of XXXX has been sent to Citibank. 
Called again and this time talked to one of the disputes specialists named XXXX from Kentucky and she was able to contact the supervisor to track the money and she said that has a very good news for me, my money has been received from merchant and is in hold with Citibank. In two business days I will see the credit on my account and that was eight days ago. 
My complaint is with Citibank which has kept my credit money on hold for no apparent reason.
Product: Checking or savings account

I tried to open a checking account with US Bank on XX/XX/20. Their website was overwhelmed at the time and I was unable to make the initial {$25.00} deposit with a transfer from XXXX XXXX XXXX. I was later contacted by US Bank and told to mail them a check for {$25.00} which I did. US Bank was offering a {$300.00} bonus for new accounts which was my motivation for applying. I sent them an email on XX/XX/20 asking about my bonus and was told I did not qualify as I did not use a " bonus code '' upon account opening. I did use the bonus code but the website was very slow and un-responsive. I have met all their conditions for the bonus and feel that I have been unfairly denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit is reporting on my credit out of nowhere. This debt was paid already and now it just showed up on my credit report.
Product: Debt collection

Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As acting XXXX for a legally formed XXXX entity, I phoned American Express on XX/XX/XXXX at exactly XXXX XXXX.XXXX. ( PST ). During this 33 minute call, I made it known that the XXXX I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the XXXX cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my XXXX Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$3800.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a XXXX account for which I am the XXXX, then I believe American Express ' attempt to collect should be levied against the XXXX entity. Not its employee. Furthermore, the CAREs Act was devised to protect consumers, both business and private, during this pandemic against unjustified negative credit reporting activities.
Product: Vehicle loan or lease

I expressed to Prestige financial that I lost my job about would need assistance with the XXXX payment of {$390.00}. I was advised that I would be able to pay a reduced payment of {$190.00} for XX/XX/2020. I called in and paid {$200.00} to them on XX/XX/2020. On XX/XX/2020 I began to get countless of harrassing phone calls and e-mails from them about when I can pay my XXXX payment which is not even due until the XXXX of XXXX! I have told them on numerous of occasions to not blow up my phone like this. They also stated in one email that I owed $ 600+ which is inaccurate and is confirmed through an email through them stating I was current in my payments. For some reason they are claiming I owe {$73.00}? How could this be possible when they stated I could pay {$190.00} for XXXX?
Product: Money transfer, virtual currency, or money service

I had a chargeback on XX/XX/2021 of {$100.00}, and was notified my trading was disabled. I deposited {$1500.00} to cover the chargeback on XX/XX/2021. The website said my trading would be restored in 5 days. 

It is now XX/XX/2021, and I can not access my money. They will not let me withdraw the funds to my bank account, sell, or buy XXXX. I have around {$1800.00} stuck on their platform that they will not let me withdraw. 

I have sent several support tickets, which show up as Solved as soon as I send them. Nobody is looking at the support tickets or responding to them. 

Ticket # XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : This is my Second Letter which serves as my formal written request for the investigation of specific items on my credit report.

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), federal law mandates that you conduct a reasonable re investigation within a 30-day period from the date of receiving this notice to determine the accuracy of the disputed information and update its current status or delete the item. I insist on reviewing Verifiable Proof ( comprising hard evidence tracing back to the original creditor, not third-party database verification ) held in your records for the accounts mentioned below. Failure to positively verify these accounts has adversely affected my credit-seeking capabilities.

According to the FCRA, unverified accounts must be promptly removed. FCRA, 91-506, Title VI, Section 611, Subsection AD and Section 15 U.S. Code 1681i ( a ) ( 5 ). 

I am in the process of buying a home and the below accounts are hurting my credit file/scores If you are unable to furnish verifiable proof, the accounts listed below MUST BE REMOVED. These Accounts are being reported Inaccurate. 

I request immediate verification or Removal of the following accounts : Creditor : Account 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

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 a consumers written instructions. 

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: Debt collection

We were forced to give up our apartment due to medical hardship and being unable to afford the rent. We did not wish to be evicted so we made arrangements with the property management agent to relinquish our apartment with 2 weeks left in the month in immaculate condition so it would be ready for new tenets as quickly as possible. We were told we had given enough notice and they had found a new tenant. Now that we are in better standing financially we have found that I have a {$13000.00} collection on my report We have disputed this account with the credit bureaus but have not had any success and it keeps growing. Please help
Product: Consumer Loan

I have twice requested the number of days in each billing cycle since XXXX ( the begining of my loan ) until now XXXX please send hard copy and copy to this site.. 
I have made XXXX payment ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are reporting incorrect personal information on my credit reports. Previous addresses and current address is wrong. Also, XXXX is reporting incorrect date of birth.