23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Last XX/XX/XXXX, I purchased a program that was financed on multiple credit cards to purchase a revenue and education system from a company called XXXX. 

My purchase with Bank of America and had an initial purchase of {$20000.00} placed on it to buy into XXXX and start my education. In XX/XX/XXXX, the Federal Trade Commission ( FTC ) shut the company down for multiple reasons. The XXXX website, as well as it's subsidiaries, were also shut down. Many people were left with no contact, a lot of debt and no income to pay those bills. 

I have not received what I was promised - an education, training, income. 

Many of the companies I used as a line of credit to complete the purchase have provided in full charge backs. The companies I have received full refunds are XXXX, XXXX XXXX, XXXX and XXXX. 

But back to Bank of America - they gave a provisional credit and then retracted it. I would appreciate it if they would create a charge back of {$20000.00}, which is the XXXX down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.
Product: Debt collection

On XX/XX/XXXX, I received a notice of a collection from XXXX XXXX, XXXX. I immediately sent a letter to request a verification of debt on XX/XX/XXXX. To date, they have not responded to the request. However, they are still calling me. Today ( XX/XX/XXXX ) they left me a voicemail about paying the collection through their website, however I am not supposed to be contacted during the dispute process. On XX/XX/XXXX, I sent another letter, stating that I had not received verification of the debt.
Product: Mortgage

I work for XXXX XXXX XXXX. My mortgage payment is issued from my account at XXXX XXXX. XXXX XXXX, 2016 a check was cut and sent from my XXXX XXXX account. The check was cashed by Seneca Mortgage with my Seneca Mortgage account number stamped on the back. XXXX XXXX I was informed by Seneca Mortgage on the phone that my check was never received and if it was not received by XXXX XXXX, 2016 I would be charged a late fee. I obtained a copy of the cashed check and faxed it to Seneca Mortgage. On XXXX XXXX, 2016 at XXXX, MST, I spoke with XXXX who informed me everything was fine, the check was found and cleared and he would remove the late fee ( they went ahead and put on ) since it was Seneca 's fault that they lost the check for my XXXX 2016 payment. 
I received a missed call on my cell phone XXXX from Seneca Mortgage on Thursday, XXXX XXXX, 2016 request me to call them. Friday, XXXX XXXX, 2016, I called Seneca Mortgage Servicing Department and on the recorded information for my loan I was told XXXX 2016 payment was not received and I had an outstanding late fee. I emailed to Seneca a request to remove the late fee thinking that XXXX did not take off the original late fee from XXXX. Monday Seneca responded by telling me to send in a copy of my cashed check for XXXX 2016. I faxed check number XXXX issued to Seneca Mortgage dated XXXX XXXX, 2016 for my XXXX payment and it was cashed on XXXX XXXX, 2016. Not hearing anything from Seneca, Wednesday, XXXX XXXX, 2016, I spoke with XXXX at Seneca Mortgage who looked at the copy of the cashed checks for my XXXX and XXXX payments. XXXX said someone other that Seneca deposited my XXXX 2016 check into a XXXX XXXX XXXX account as stamped on the back. I then spoke with my XXXX XXXX check fulfilling department and they said, yes, XXXX XXXX XXXX did cash it into my account number at Seneca Mortgage according to the stamp on the back of the check. 
I called Seneca and spoke with Supervisor XXXX who told me Seneca Mortgage used to bank with XXXX XXXX XXXX but now banks with XXXX XXXX. XXXX said Seneca did not deposit the check. XXXX XXXX did some investigating and told me the check most likely went by mistake to another department at Seneca that still uses B of A or an employee deposited it into the incorrect bank. XXXX XXXX suggests Seneca Mortgage Servicing call XXXX XXXX XXXX to see which Seneca department still uses an account at XXXX XXXX XXXX. Seneca needs to correct their mistake. All XXXX XXXX checks issued to Seneca Mortgage for my mortgage payments have been exactly the same over the past year with no problems. XXXX repeated they did not receive the check. According to the back of the check it was cashed into my Seneca Mortgage account by XXXX XXXX XXXX. XXXX refused to call XXXX XXXX XXXX to try to find my check. I requested a Senior Supervisor to investigate and call XXXX to find my payment. I ask them to call me in 24 hours. I 'm tired of being accused of not paying and being charged a late fee. This is Seneca Mortgages fault and I want it resolved before it is reported on my credit - which is excellent.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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 21 days before the payment due date. 


XXXX EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Debt collection

I have sent multiple documents asking LVNV Funding to verify alleged debt by providing proof of contract. LVNV has been given ample time and plenty of opportunity to provide a legitimate contract and have failed to do so at every turn. They are in default and must remove the debt from my credit report, and pay damages for falsely reporting and damaging my name and credit worthiness for so many years.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX 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: Student loan

I am currently in XXXX. There are XXXX different companies servicing my student loans. AES does not have a record of me still being in school. The other companies have records and have me listed in deferment. AES has my graduation date on file, but no records of me still being in school. They told me it was my problem and up to me to provide proof ( from my registrar ) that I was in school. How is it that XXXX company ca n't figure out that I 'm still in school, but the other XXXX can?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit union sent a request to Experian to remove a duplicate inquiry they did in error in XXXX. The inquiry remains on my credit with no sign of correcting it. I ran my report today to find it still showing. I gave them plenty of opportunity to remove it yet they didn't. In addition the balance on my credit card is off by {$100.00}. They need to get that corrected too! If they do not remove the inquiry I will sue them, it's as simple as that.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

Hello I went to apply for a home loan so I can purchase a home for my new baby that is due this summer and I went to my credit union to apply for a home loan and I was denied. My loan officer gave me a copy of my report and there are still things on there that are not mine. I've reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX XXXX XXXX.
Product: Student loan

The Lender, Navient, has on multiple ocassions called distant and immediate family members and stated the purpose for their call. As per the law, they are not allowed to disclose any information that would indicate to the call recipient the nature of the call. This has not been the case. There for they are sharing my personal financial information with others. 

This has occurred several times during the month of XX/XX/2019 2019
Product: Checking or savings account

On XXXX I depostied a balance transfer check payable to XXXX XXXX from my XXXX XXXX credit card account for {$4000.00}. I deposited this check into my TD checking account. 
XXXX XXXX  sent me a text verification that the check was written by me. I confirmed yes that I wrote and deposited this check.

TD bank held the funds for 3-5 business for fraud review. After this review TD bank had sent me a letter stating they would be closing my checking account due to a fraudlent check and that any funds in the account would be returned via check in the mail. No funds were returned and the account was closed.

I reached out to TD bank asking when the {$4000.00} would be returned and was told that the funds were never received and XXXX XXXX  has the funds. 
I reached out to XXXX XXXX  who claims that the funds were received and are in posession of TD bank. The check has been posted to my XXXX credit card account and being charged to my statement. 
I reached out to XXXX XXXX  fraud services who investiagted the claim and communicated with TD and confirmed that TD has received the funds but are unwilling to return the funds suspecting fraud. 
TD checking account is closed and funds have not been returned. 
XXXX XXXX  confirmed the funds have been received and are in TD bank posession.
Product: Checking or savings account

This is for complaint # XXXX in regards to what cashapp still has NOT done, which is reply, since I put the last complaint in they have sent me one message saying that they put a provisional credit in my account for all the dispute amounts listed my account is still negative and they are also not replying back and have not replied back since then which has been over a week I also now have all of the amounts in the complete amount that I am owed from them this involves any of the money that went towards the negative balance that didn't get taken out for whatever reason this includes the disputes that I was denied this also includes the amounts that got charged on to my already negative balance that should not have been tagged on because I was already in the negative balance so there was absolutely no reason at all that my card should have been still being charged not by me for an even greater negative amount. Also not authorized by me either. Which I can show if need be to how many transactions didn't go through because they asked me first if it was me or not, they didn't do that with any of these ones.
Product: Credit card

On XX/XX/2023, I called Citibank to get an explanation of a new balance and its corresponding interest charge that was not on any previous statement. 
Citibank agent said such amount was because of the daily interest calculation, to which I said : there is no way that $ XXXX is the calculation of daily compound interest for previous balance of $ XXXX which was paid in full before due date. 

Citibank agent on the phone was not able to explain how such new balance appeared on my new statement.
Product: Checking or savings account

My name is XXXX XXXX, I have been using Square to process payment for my business and Square stole my funds. My email address with Square is XXXX My funds of {$5200.00} was stolen by Square customer service from XXXX. 

I received email from Square that my funds was available for withdrawal and immediately I received email that someone from XXXX has logged into my account from a device from XXXX hence my funds just disappeared and funds were sent to a bank account not owned by me. 

I sent email to Square immediately about this incident letting them know that I have been hacked and Square didn't respond. This means that the hacker is from Square. 

I have sent several emails to Square support to rectify this issue but they have not gotten in touch with me. I believe that someone from Square logged into my account on XX/XX/2022 to steal my funds and I need my funds back because I have tried to resolve this issue with Square but to no avail. 

I spoke with Square customer support team four times on the Phone about this issue and I was told that I would be refunded. 

On Sunday XX/XX/2022, I got another email from Square that my account has been accessed from XXXX again and that my password has been changed. 

I spoke with Square again and reported this incident but they have not returned my money. 

I need all the funds stolen from my account back. 

I will attach screenshot of email stating that my account was accessed from XXXX. 

I am in the USA, not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is regarding XXXX XXXX Inaccuracy # 1- The " date of last activity '' does not match across Transunion XXXX XXXX, and XXXX XXXX Transunion reports XX/XX/XXXX, XXXX shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. This date must be accurate because this is the date of original delinquency. A collection account can only stay on your credit report for 7 years and then it is deleted. This date also determines when the statute of limitations is up and shows how long a debt collector has to sue and in Texas that is 4 years. 

Inaccuracy # 2- The amount owed of does not match across the bureaus. Transunion is reporting {$500.00}, XXXX is reporting {$500.00}, and XXXX is reporting {$500.00}.

Inaccuracy # 3- The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Inaccuracy # 4- The " Open date '' does not match across the credit bureaus. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Other Violations on this collection account include : -XXXX  is reporting a past due amount of {$500.00}. Collection accounts are closed and there for should not be reporting a past due balance. 
-Transunion is reporting is reporting this closed collection account as " open ''.

-There is no date of last payment listed for any of the credit bureaus.

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information. 

XXXX and the credit reporting agencies Transunion, XXXX, and XXXX were made aware of all FCRA violations multiple time and the issues were left uncorrected every time. They have also NEVER provided the original contract containing my wet signature, NEVER provided an itemized billing statement of all payments made, NEVER showed proof of ownership to show that they are authorized to the collect the debt, and NEVER provided the method of how the collection balance was calculated. I have already requested this information in previous disputes. This company is taking part in illegal debt collection practices and after this I dispute, if the violation is not fixed, I will be taking further legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX refused to send me a letter to inform the credit bureaus that they are reporting inaccurate information on my credit report file, I contacted XXXX XXXXXXXX on XX/XX/year> about a automobile loan I have paid off, that wasnt reported as charge off as the credit bureau is reporting that the account is listed in charge off with a balance the account # XXXX I informed XXXX XXXX the credit bureau are reporting this account as listed as charge off with a balance, I spoke to XXXX  XXXX employees XXXX and XXXX they both informed me that this account wasnt reported as charge off with a balance but they refused to send out me a letter to send to the credit bureau so that this error can be corrected
Product: Credit reporting or other personal consumer reports

I paid my credit card in full back in XXXX and the XXXX XXXX has been reporting each month to XXXX and XXXX has not updated my credit card to {$0.00} so my utilization now looks like I am at 85 % and it is affecting my credit history and score.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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

My credit report is inaccurate due to unapproved inquiries. As they violate 15 USC 16c-2, I ask for their prompt deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 missed payments on my first progress credit card. The card is paid off and closed. I called in to first progress to ask if theres anything I can do to get rid of the late payments so they instructed me to fax in a Good will letter and they will forgive the late payments. After I sent it in I called again to confirm the late payments were take off and they said yes it should be updated within a month. I still see the late payments on my credit report Im hoping those can be taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Card incorrectly put a 30 day late payment on my credit report. After discussing this with that creditor, they agreed to fix it. They told me they put in an update to all credit bureaus. Both XXXX and XXXX has already fixed it.

However, Experian came back and said it was verified. So, I had the creditor mail me a letter for physical reference. I submitted this 3 times to Experian and they refuse to correct my report. They come back as " verified '' even though it's not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2025 Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Transunions Failure to Conduct Proper Investigations To Whom It May Concern : I am writing to formally dispute the information in my credit report related to [ specific accounts, bankruptcy entries, or inquiries ]. I believe Transunion has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in conducting a reasonable reinvestigation and ensuring maximum possible accuracy of the information reported. 

Key Issues : Failure to Conduct a Reasonable Reinvestigation Transunion is required to conduct a thorough and reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, I believe Transunion has not adequately reviewed the evidence I provided or forwarded it to the appropriate data furnishers. 

Failure to Address Bankruptcy and Negative Accounts The disputed accounts include entries related to a bankruptcy filing that are either outdated, inaccurately reported, or entirely inapplicable. Transunions failure to rectify these inaccuracies violates its duty under the FCRA to ensure that consumer reports are accurate and complete. 

Failure to Investigate Improper Inquiries Hard inquiries listed on my report, which were not authorized by me, have remained despite my dispute. According to the CFPB 's lawsuit ), Transunion has failed to reinvestigate disputes regarding hard inquiries unless identity theft or fraud was specifically alleged, which directly violates the FCRAs requirements. 

Improper Use of Dispute Codes Inadequate or generic dispute codes were applied, as referenced in the CFPB lawsuit, leading to mischaracterization of my dispute. This prevents accurate review and resolution by the furnishers. 





My Request : Under the FCRA : I demand that Transunion conduct a reasonable reinvestigation of the disputed items and provide me with clear documentation of the findings. 

Any information found to be inaccurate, incomplete, or unverifiable must be modified, corrected, or deleted as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Notify me of the outcome within the statutory timeline of 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). 

If Transunion continues to fail in meeting its statutory obligations, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I have attached the following documents to support my dispute : ( See Attachments ) Please confirm receipt of this letter and respond promptly. I expect Transunion to uphold my rights under the FCRA and take immediate corrective action to address these issues. 

Sincerely, XXXX XXXX XXXX XXXX