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

l work hard to keep a good credit history, but for the last few months l can not get the Trans union credit report and the credit card XXXX XXXX XXXX  to up date my monthly payments, now it has been effecting my credit score this is not fare, l have contacted both and slow is the only progress they both say it is the Trans union say XXXX updates certain time, the XXXX say they updated my information on time yet l am losing points and updates are not being in time cause when my credit is updated even after l had make payments it has not show up correct amount, there for it said is why my score is going down, l am at the point l am ready to take legal action
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Navy Federal Credit Union XXXX XXXX XXXX. XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX RE : Notice of Violation of the Card Holder Agreement Acct : XXXX Dear Navy Federal Credit Union, Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the XXXX major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 
I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 
This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX
Product: Debt collection

American Coradius International sent me a letter for a XXXX debt of {$200.00}. I dont have a XXXX account and do not owe this debt. The phone numbers on the letter and on the companys website differ which seems fraudulent. 
I have been unable to reach someone to resolve this and this seems to be some sort of mail scam.
Product: Mortgage

Here is the loan officer information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX XXXX U.S. Bank Home Mortgage XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX On Sunday XX/XX/XXXX after meeting with the XXXX XXXX XXXX XXXX is the representative . We asked XXXX to provide us an updated offer letter and with the information from the application in XXXX he had approved saying yes he would gladly provide one. Then when we requested multiple times an estimated loan he stated and you can see the emails that we needed a contract with XXXXXXXX XXXX to provide an estimate. That he couldnt provide one. I clearly explained that this was against the law and per CFPB we did not have to have a signed contract to obtain a loan estimate. Then he argued that he didnt have an address and he had already been in contact with the buildeXXXX XXXX XXXX and had the lot number. I went ahead and provided this to him again and stated once he had all the XXXX points to provide a loan estimate. On XX/XX/XXXX I expected a loan estimate. Instead XXXX with guidance from his manager triggered a loan on a house that is not due to be completed until 7 months from now and a loan isnt required. We simply wanted a loan estimate and we provided all the information necessary. XXXX and his manager at US BANK continued to deny this request and illegally asked us to provide a contract which was not necessary and also he had all the information required to provide us a loan estimate.
Product: Mortgage

I received a reply to our complaint XXXX. They say we do not qualify for anything. Which I do n't understand. The state of Maine requires the mortgage co to allow us to have mediation first. They did not finish our mediation. There must be something they can do. At one point they locked us out of our home. It took them a week to go and take the lock off the door. We had to turn around after work and drive back to mass and stay with my father. No clothes nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found that one of my payments to your account have been labeled as late on my credit report. These missed payments were due to : Lack of information provided by One Mains XXXX XXXX branch. A payment did not go through on my checking account. When I checked the website to see my balance a week or two later, I noticed the payment did not go through. The following day I went to their office and I was told by One Mains XXXX XXXX branch that it was an error on their part and that they listed my account as a Checking and not a Savings account. I was told by simply switching the account information on file from a checking account to a savings account the payment would go through. It failed to go through again and once again was not informed as well as I see necessary. The account went thirty days past due, So i made a phone call to One Mains customer service line. They told me I needed a certain form from the branch I used to file a dispute. When I tried to talk to them about possibly filing a dispute and asked for the letter that customer service told me to ask them for, they were extremely rude and unhelpful at the XXXX XXXX branch and said no such form existed. I called back to customer service and the customer service representative I spoke with even told me they had a history of Not doing their job at that Branch. 

I have had 100 % payment history on all other accounts and until this error occurred was always on time with my One Main account. Since the late payment occurred for the above justifiable reasons, please correct the payment history at any credit bureaus that carry the history of my account with you, Including, but not limited to : XXXX XXXX XXXX It is imperative that my credit score reflect the good business relations I have maintained with all companies in the past. The corrections to the report will make it more representative of my financial habits. I sincerely hope you will not take into consideration my oversight with these late payments which, I assure you, will not occur again. I look forward to continuing our relationship and maintaining good financial habits.
Product: Debt collection

I cancelled the membership with XXXX XXXX  over two  years ago. Now they have two accounts with two different amounts.
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 items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Discover Bank savings account on XX/XX/22. On XX/XX/22, I made mobile deposit of {$16000.00}. On XX/XX/22, the deposit was approved. After notification that the deposit was approved, also on XX/XX/22, I attempted to make a second mobile deposit of the same amount. Later that day, I was notified that the account was suspended due to unusual activity. I called that day and was notified that the account was closed for business decisions, but was not told why. With so little activity on the new account, its difficult to imagine what was unusual. 

Since XX/XX/22, I have called Discover Bank four times ( XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 ), and received three letters in the mail and XXXX emails from Discover Bank. No communications have indicated why the account was closed ; XXXX representative told me that it was his entire job to not tell people why their accounts were closed. 

In the various phone calls and letters, I was told the account was suspended, closed, canceled, and under review. I was also told that I would receive the balance of my account within XXXX days, then 60 days, and, most recently, after at least 60 days. XXXX representative implied that the XXXX waiting period was an external regulation and not an internal policy. 

Im concerned about what is going to happen now. I dont know if I will ever see the {$16000.00} that was deposited. I dont feel like I can trust Discover Bank as, every time I called, I was assured that a supervisor would call me back within XXXX business days, and to date no one ever has. 

In my most recent call, I requested a case number : XXXX. I would like to receive my fund balance as soon as possible. Not having access to my funds and the lack of clarity is making it difficult to save for a home.
Product: Debt collection

ARS ACCOUNT RESOLUTION, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Checking or savings account

On XX/XX/XXXX I was checking my account information that {$800.00} was moved from my savings account to checking account never happened monies disappeared. Call Chase Bank they credit my account, then took it back around same time there was {$500.00} taken from my checking account thru a XXXX transfer to a agent XXXX XXXX I do not know this person never heard of the name I only XXXX to my daughter and grandsons the bank refuses to investigate an refund my monies I have contacted them 3 times concerning these issues also there were charges with XXXX in Florida and Georgia they were reimbursed the bank states my account had been hit I changed my user Id and password to my mobile app and cancelled my debit card they refuse to reimburse my {$800.00} and {$500.00} what can I do
Product: Checking or savings account

I am a small business owner whom has a bank account @ several banks. I have received confirmation from the IRS about an overpayment for the first quarter of the XXXX - XXXX XXXX XXXX. I received checks from the IRS as the letter stated. I was very excited and relieved because my business really suffered during the pandemic.To make a long story short I made a bank deposit into my business account with fifth Third Bank. I have been an account holder for a while. Fifth Third bank placed a 30 day hold on the check to make sure everything is good .The check was approved and cleared. within XXXX days later. my business account was shut down without any communication. The bank associate withdrew every bank wire I sent for business out of people account that work for my business or did a service. The account was flagged as fraud for no reason other than i'm XXXX and not entitled to have a balance this large in my bank account. 
My business has been affected and this is causing me stress. There were no straight answers given as to why transactions were being done on my account without my consent and knowledge to verify anything. I never authorized anyone to access my account to start moving around money and withdrawing wire transfers. I didn't owe the bank any money, there were no outstanding debts so I don't know if the bank earned interest and shut down my account or covered a huge loan and shut down my account giving them time to replace a business transaction from themselves. they told me the IRS requested it. This Morning XXXX XXXX XXXX number XXXX said the IRS didn't request anything and there are no letters sent out since the overpayment letter sent on XX/XX/year>. The IRS agent stated to call the bank back and discuss it with them because the IRS isn't requesting anything back. I would have received a collection notice. Fifth Third has failed in all areas of good banking practice, confidentiality, privacy act. etc. This bank has my money insured under FDIC. I believe fifth Third stole my money. I don ; t know if its for insurance purposes. Where is the money that was in my account. I see alot of BBB complaints from XXXX people with these same issues. I do believe it's XXXX profiling.
Product: Debt collection

Received an email stating if they did not receive a response to the email in 2 hours they would email/fax my employer to make them aware I owe money. The email also stated my SSN had been put on hold by the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and di n't properly keep my personal information protected. This breach puts me and millions of others at risk ... this is further exacerbated by the fact that Equifax handled this breach terribly. They did nothing to notify the public over the past several weeks, and I instead learned about the issue via social media. And they have now put the onus on us to figure out next steps and make sure we are protected. 

This is especially ridiculous considering I have never personally chosen to do business with Equifax - any business relationship I have with them is indirect. They are used by companies that I use ... so it 's rather disconcerting that a company I have never used in any form personally could affect me ( and countless others ) in such a negative way.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with capital one 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 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.

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

Hello my name is XXXX XXXX Im writing you guys because I have news This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX - Date XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Debt collection

I receive d a Summons letter earlier this month from office of Lustig & Glazier sta ted that I failed to appear in court   XX/XX/XXXX  a nd a judgment was made against me in  XXXX  in regards to a  XXXX  credit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old an d they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since  XXXX !? Which explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters in the past, but this time i decided to keep a paper trail of notarized letters demanding an investigation into why i have so many inaccurate and erroneous information about me on my credit report on XX/XX/XXXX to all the Credit Reporting Agencies, and i got only a summary of my report which was still erroneous. I wrote a second notarized letter to all three Credit Reporting Agencies demanding an investigation into these anomalies, on XX/XX/XXXX, and again XXXX, Equifax and XXXX  sent a summary of my report with the inaccurate information. Finally, i wrote all three Credit Report Agencies warning them that i will have to report to the government agency ( ies ) of their ineptitude, and their response remains the same. I checked my credit report today being XX/XX/XXXX. And the inaccuracies still appear on all my credit report with all three credit reporting agencies