23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

This is a follow up to to a previous complaint about direct express ( cfpb complaint number XXXX XXXX ). I was reassured that if I turned in the dispute forms before the due date I would be reimbursed for the transactions. So I turned in the dispute forms and a letter from my XXXX ( which shows XXXX XXXX XXXX XXXX XXXX  when the transactions happened ) before the due date. I was given a provisional credit for the disputed amount however on XX/XX/year> that provisional credit was reversed. This credit was reversed without any notice to me ( no email, no letter, no phone call ) and now i am facing disconnection of my utilities because I was not given any time to prepare for the lack of funds. Even though I DID NOT make or authorize the charges that I disputed. While at the XXXX  my purse was stolen and I filed a police report. I called Direct express on Friday XX/XX/year> to discuss the reversal and the women was cruel and unkind and made me feel stupid. I firmly believe that Direct Express is using my XXXX XXXX and XXXX XXXXXXXX to their advantage. They are bullies and thieves! I demand immediate action and the refund of {$290.00} that direct express has stolen from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Debt collection

I have received numerous phone calls from Transworld Systems debt collection agency. They call from XXXX and then tell me to call their line at XXXX. I work for a XXXX XXXX XXXX. We do not owe anyone anything and all purchases made by us go through a purchase order system. This is a scam company. Each time I call them back they say they have no record of my debt, I tell them to remove my phone number. Shut them down! 

XXXX XXXX XXXX
Product: Debt collection

I had a student loan thru XXXX XXXX for XXXX XXXX XXXX which i went to in XXXX and completed in XXXX. My original loan balance was XXXX and I started paying them XX/XX/XXXX. The loan was serviced by XXXX XXXX. I paid {$96.00} a month sometimes more, {$120.00}. I started my loan payments immediately and never missed a payment. I paid them off in XXXX. They were great and never had an issue with them. the rest of the tuition was covered by XXXX XXXX as I was a single mom and qualified for assistance. 
The problem is XXXX XXXX XXXX went out of business after that. There was some fraud issues and they kept poor records thus abruptly shut down. I paid all my obligations to them via governement grants and student loans. I have all documentation and the contract that shows this. Collection agencies purchased their debt and have been harrassing me for the student loan amount saying that I still owe it. I have told them on several occasions that it is false as I was still paying on the student loan debt and paid it off. They filed derogetory marks on my credit which i disputed with proper documentation and had removed. The debt has been sold to 3 debt collection companies ... the last one is CONVERGENT XXXX. Says creditor XXXX XXXX XXXX. They say i owe them {$2700.00} which was my loan balance from XXXX at the time XXXX when out of business. This is a scam. They have been harrasing and threatening me continuously. Calling my home, work, moms work etc. I told them my debt was paid in full and have proof and they said this is double jeapardy and i still owe them. They are aggressive and slander me in the calls. This is unacceptable. I am a XXXX mom and have worked so hard to keep my credit perfect and pay my debt. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Account, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Today I received updates about the disputes results regarding the account XXXX with Department of EducationXXXX XXXX XXXX I have multiple paid accounts with the lender XXXX 's investigation concluded the account is schduled to remains on all credit profiles. 

Since the information from the accounts will remain Department of EdXXXX XXXX needs to accurately report my detailed information. 

Department of Education isn't currently reporting my payment history, my credit length on my credited account, or account status. 

Today, a lender denied me based upon credit history length being inconsistantly reported being improperly reported, Please update my information
Product: Mortgage

We purchased a home in XX/XX/year> through Freedom Mortgage. Every XXXX months we are notified by our insurance broker the insurance has yet again not been paid. Every month the mortgage gets paid through the automatic banking system and somehow the money just sits in escrow and never gets sent to the insurance company. But we get punished by the insurance company stating they have dropped us or will drop us even though we have done what we can, Freedom Mortgage is the XXXX who did not do their job. When we call to tell them they have to fix it, they give fake apologies but do not care at all at the end of the day. We are fed up with Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past 2 years I have applied for one and only one credit card with XXXX XXXX. Despite disputing the other unauthorized inquiries they remain on my report. The unauthorized inquiries include XXXX XXXX XXXX dated XX/XX/XXXX. XXXX CA dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX auto dated XX/XX/XXXX. I never authorized the latter 4 inquiries at any time. The most offensive to me is XXXX XXXX XXXX whose offer I declined yet a hard inquiry survives their declined sales pitch. Also XXXX XXXX who I investigated and discovered is a Maryland based Car dealer. I live in Florida and have ever had a car loan in my life nor inquired about one ever .If my SS # was ever used to buy a car in Md. that is identity theft, never, mind their location in Maryland. XXXX Assured me they would remove this, but never have. I have not even been in the state of Maryland in over 5 years and certainly never car shopped there.
Product: Money transfer, virtual currency, or money service

I paid XXXX then XXXX XXXX  then gXXXX XXXX and XXXX for my second mortgage for 13 years borrowed money and paid an extra 10,000 and sent in a money gram settlement for XXXX XXXX to close and they agreed to release lien. They fraudulently did not report my payments and stole my money. They were sued and went bankrupt for not reporting payments around the same time I paid my account off. They then illegally sold my account to a debt collection company real time resolutions saying I owed almost the entire amount! They will not furnish me with any contracts and they refuse to remove the negative info from my credit report even though XXXX was found guilty and removed from my report. They are still charging fees but it says charged off years ago. They are still showing missed payments every month-they also show the terms are 17 year when it is 15 years-its also a debt collection agency and they are showing as a mortgage. They have no right to report or harass me for XXXX illegal activity. I can not sue XXXX because they are bankrupt.
Product: Mortgage

My mortgage servicer is charging me {$1000.00} in what is called " other fees '' on my mortgage statement. I do not and should not owe these fees, nor do I know what these fees are in regards to.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 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 months that are reported late 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 XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear TransUnion Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX 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 XXXX ) - XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) - XXXX Fraudulent Inquiries to Be Removed : XXXX - XXXX XXXX XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect TransUnion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect TransUnion to provide a detailed explanation, including the evidence used to verify its accuracy.

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I need these removed. I already made an FTC report to get these removed on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened a credit card with XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX. In fact, I never heard of them until they showed on my credit report around XX/XX/2022. I contacted them several times to inform them that the account is not mine and to remove it from my Credit Report. I also contacted the XXXX  about this issue and the business attempted to solve the issue, the account recently showed back up and I started getting mail from a collection agency XXXX XXXX XXXX about this account. THE ACCOUNT IS NOT MINE AND IT MUST BE REMOVED FROM MY CREDIT REPORT AND ALL COLLECTION MUST STOP ON THIS ACCOUNT. I already disputed the account with the collection agency and filled out an Affidavit. 

XXXX Account Number : XXXX XXXX XXXX Collection Account Number : XXXX. 

This account is not mine and is a result of confirmed identity theft.
Product: Credit reporting or other personal consumer reports

Account XXXX : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, it has been a few months since I have dispute this collection account that is not mine with Equifax, XXXX, and XXXX. To date this has not been resolved. 

I solemnly swear that I have not had an account with XXXX at any moment of my life. 

I had came on hard times because I lost my job and due to this collection account remaining on my profile I was denied for credit products that I would have been approved for. 

CFPB XXXX, I ask that you support me in the effort to have this account removed for goo so that my credit score can go back to normal. 

I am attaching the letters that I have mailed to each credit bureau to this complaint. 

By law please have these agencies put into effect that this account will be blocked or deleted from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Product: Student loan

New company servicing my federal student loan. My loan repayment was {$360.00}, starting this month. AidVantage kept emailing stating I could lower my payment through a loan simulator. This is also on their website. LOWER amount! SAVE money! I filled out the online application to LOWER not RAISE my monthly payments. My payment rose to {$440.00}. Who in the HECK would increase their monthly payment!? This is a scam, and they are getting over on folks ( XXXX, others having this SAME problem ). I should have been given the opportunity to ACCEPT the higher payment, but they knew I wouldn't. I demand they lower my payment back to what it was {$360.00}. I DID NOT agree to a higher payment. I've called twice ... on hold XXXX XXXX minutes. The reps do not have a clue as to what is going on and did help at ALL. They BOTH hung up on me. I asked to speak to manager both times. They would not allow it. I don't even believe they are in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a loan modification with XXXX XXXX XXXX XXXX. I was granted the loan modification and complied fully with all terms of the agreement. I made every payment on time throughout the process. I sold my home in XX/XX/XXXX as a regular sale and settled my mortgage with XXXX XXXX. My credit report now shows that there were several months of unpaid payments for the mortgage, even though we complied and made every payment on time. I would like XXXX XXXX to remove all data from my credit report completely as this has made obtaining any new credit impossible and has a severe impact on my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has Violated my rights In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U, S, C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.
Product: Credit reporting or other personal consumer reports

You are breaking multiple laws in regard to my consumer report. 





The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.
Product: Credit card

Applied for Citi American Airlines card when purchasing a airline ticket to get a card to accumulate miles about a month ago. Card offer said I'd get XXXX miles if I spent {$2000.00} in first four months including available balance transfer at intro APR of 0 % for first 14 months with a one-time balance transfer fee of 5 % of balance. 

I received the card this month & activated card this morning. When I went to balance transfer option, the intro APR rate was 29.99 %. I tried an online chat that went nowhere for about 15 minutes because the Representative " XXXX '' said their systems were very slow this morning. So I called & the person kept putting me on hold to check on things & finally after about 20 minutes said they'd put in a query about it and see what would do. I said 'cancel the card ' because it just seemed a little too shady.

I don't expect any additional results from this complaint but just wanted to mention it because it's so obviously & blatantly wrong.
Product: Checking or savings account

I hav  e had 3 major problems in the last 24 hours with US BANK. My husband scheduled a transfer to ( from his US bank account ) my US bank account which was suppose to take 3 days ... here we are 4 days later the transfer failed ( no apparent reason that US BANK could provide and not the 1st time this has happened ). Secondly, I set up a concurrent transfer to take place from my checking to my saving and though its an eternal account and the bank can obviously see the funds are not available they transfer the funds anyways leaving my account over drawn which leads to bills being upaid.
My last and most conerning complaint is that when I send my son in to make a cash deposit he is turned away. I called and spoke wih  XXXX . Who tells me this is the LAW from the Federal Bureau not a Bank Policy a  nd that  XXXX  does it all the time. Being an account holder at  XXXX  I do know this is true but I also know they sent information to the consumers regarding the new policy. I reminded her that it is a policy at  XXXX  and I knew of no law stating this. She went on to accuse me of laundering money and said it wasnt their policy but law though she could not state which it was.  I called the Federal Bureau who confirmed its policies by banks not the FB law. I then called their customer service # who also stated its not their policy and that every branch has their own rules but no where in their policy does it state that they can not take the cash deposit from a non account holder. I find it super alarming that each branch can make up its owm rules on the spot based on who the manager is. It needs to be a policy or not and followed throughout the entire corporation.
Product: Credit reporting or other personal consumer reports

I request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.