23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX saying I owe {$1000.00} the creditor is paypal and I haven't used PayPal for quit some time nor do I have any type of credit card with them my balance is XXXX with paypal tried to call the collector but can't get anyone to answer The account number on the letter is XXXX I need this handled as I don't want this on my credit thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX AUTO Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX  XXXX account # xxxxxx XXXX, XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxxxxx XXXX, XXXX XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxx XXXX, have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I made a dispute with TransUnion about a XXXX collection on XX/XX/XXXX. I attached how evidence that I have been with XXXX XXXX XXXX XXXXXXXX. I also showed receipts of where I paid XXXX off. Somehow TransUnion claims to have completed a thorough investigation in 4 days, claiming it went to collections in XX/XX/XXXX. There is no way they have evidence that I had a XXXX account that I signed up for in XXXX. I have not been shown any evidence at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened betweenXX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX. Thank you.
Product: Checking or savings account

On XX/XX/2018 I tried to pay for goods and services from XXXX XXXX XXXX. XXXX. I bought 2 suits, tried to pay with a check and it refused the check. I had more than sufficient funds in it. Then I tried to pay with a second checking account ( that also had plenty of money in it ) and that was also refused by : CERTEGY... 

I was totally embarrassed and humiliated. Everyone at the counter was looking at me like I was a thief. I was a cop for over 20 yrs...

Their call back number did nothing, and the computer generated voice activation system, kept messing up my account # when I called. 

This company has 590 complaints on the Consumer Affairs website, and is rated at one star out of 5. Totally incompetent.. Please fine them and yank their permits to operate as a legitimate business. 

Where do I go to get my reputation back at the store??? 

cont.. 

I would like an apology from the CEO - XXXX XXXX XXXX in writing to myself and the employees at XXXX XXXX - XXXX XXXX mens suit dept. who worked on XX/XX/2018. The check was for {$530.00}. They had to run two checks, and one CC ( finally accepted ) and take the time to re-check out the items I purchased and caused a back up in the line, and people giving me dirty looks like I did something wrong. 

I would like the same from Certegy 's CC VP - XXXX XXXX XXXX XXXX, because it is his division. And no one answers the phones to correct this at XXXXXXXX XXXX  on a Sat. afternoon. If credit is granted XXXX ; the company ought to have people available to correct their mistakes. 

Certegy should probably pick up half the tab that day. I mean really. You see it all the time in stores where people just stick in a CC and the store accepts it. Sign names like XXXX XXXX and post it to the internet. Even when people hand over a drivers lic. clerks rarely look at the picture. In the old days people were questioned about their documents, but not anymore. Big business and banks are always right, and to speak up about anything they hide behind rules, and automated systems that are not human to correct. 

Maybe Certegy should be promoted and put in charge of the USA 's nuclear missiles. I'm sure they'd do a great job. " Mr. President this is Certegy a finance company who assists the Dept. of Defense with approvals. Your launch codes have been declined! Please go on line if you have anything to say about this. We are open from Mon-Fri normal business hours. On Monday when we open someone from a foreign country may assist you. '' " Also, please have your routing numbers, DOB, drivers license, bank account numbers available as you will be asked for this information before we authorize a launch ''.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING 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. 


TRANSUNIONNever 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: Debt collection

ON XX/XX/2022 I CHECKED MY CREDIT AND IT WAS FLAGGED BY DEBT RECOVERY THEY ARE CONTACTING ME AND I'VE ASKED THEM SEVERAL TIMES TO STOP
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of all My credit reports and noticed that I had a fraudulent account on them. Please remove this Kohls/Capone account from My credit reports. I've been doing My due diligence on being a worthy person to obtain good credit and this is hurting my ability to do so. 
Thank You Kindly.
Product: Checking or savings account

I am an employee working in XXXX XXXX XXXX. 
Our company has an acount with Deutsche Bank Trust Company Americas. 
On XX/XX/2019, abruptly they noticed us that our account will be terminated. 
I dont know why this happens and so I asked why they do this. But they just told that we should accept this. I think this is really unfair. Please help us.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX regarding inaccurate credit reporting associated with my XXXX XXXX payment plan. I believe that XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting my payment history and failing to provide clear and complete terms of the payment plan agreement. 

Details of the Issue : In XX/XX/year>, I applied for and was accepted into the XXXX XXXX XXXX XXXX payment plan. I was informed that my interest rate would be reduced to 0 % XXXX for XXXX year and that my account would be reported as current if I made minimum monthly payments of {$78.00}, totaling {$940.00}. 

Since enrolling, I have consistently made the required payments, except for XXXX payment that was delayed by a single day. Despite making subsequent payments on time, XXXX XXXX has continued to report late payments on my credit report. 

When I contacted them for clarification, I was informed that because I missed XXXX of the first payments by a day, they are continuing to report all payments as late. However, they have refused to provide me with an unredacted copy of the full terms and disclosures of the payment plan, only supplying a redacted version. 

Relevant Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to provide accurate and complete information to credit reporting agencies. Additionally, they must correct any inaccuracies once a dispute is made. By failing to disclose the full terms of the payment plan and continuing to report accurate payments as late, XXXX XXXX is in violation of these provisions.
Product: Credit card

I signed up for this credit card with universal rewards and FNBO bank on XX/XX/XXXX ( see email attached for application ). The promotion clearly included a {$300.00} credit after spending {$1000.00}. ( See attached photo of promotion ) After I spent the {$1000.00} they gave me a credit of only {$100.00}. I called and complained that I am missing {$200.00}. They responded that the promotion was only {$100.00}. I told them that this was clearly a {$300.00} promotion when I signed up and they should please look into this. They told me on XX/XX/XXXX they would make an investigation internally that I would hear back from them within 2 days. It is 1 month later I still have not heard back from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Florida XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Equifax, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy. 
To reinforce my request, I cite the case XXXX XXXX XXXX XXXX ( XXXX ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate. 
It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I paid my bill in full on XX/XX/XXXX & then I received a new bill saying I owe {$5.00} in a interest fee. I called the company and they said that I owed {$5.00} because I was carry a balance since XXXX, I told them what does that I have to do with anything I paid the balance in full on XX/XX/XXXX. I asked them to waive the interest charge because it didnt make any sense and I didnt carry a balance. They refused..Spoke with XXXX who refuse to give me an ID number, said they only go by their 1st name. She explained that interest doesnt show up until you pay your bill in full and thats how they determine what I owed. I told her that was incorrect. you pay interest each month you carry a balance. she then told me for me to get away from paying interest to pay the balance in full for two months full and that when you wont owe any. THIS COMPANY refuses to try and credit you for late fees, interest and anything else they can try and get over on you with.
Product: Credit reporting or other personal consumer reports

THE ACCOUNT IN DISPUTE IS XXXX XXXX XXXX XXXX, I DO NOT KNOW THESE PEOPLE. I DONT OWN THIS MUCH BALANCE IS JACKED UP HIGH FROM XXXX. SHOULD BE A CLOSED ACCOUNT PAID IN FULL
Product: Credit card or prepaid card

Hi, on XXXX XXXX, 2017 I went to a restaurant called XXXX and was billed a sub-total of {$59.00}. The amount charged was {$150.00}, so the restaurant is charging me {$100.00} tip on a sub-total of {$59.00}. I did not give a {$100.00} tip, the restaurant clearly added another XXXX on the receipt. Chase sided with the merchant because they have no common sense. The signature used was also not mine, but Chase still decided to side in favor of the merchant.
Product: Mortgage

My home mortgage was sold to Mr. Cooper ( not my choice ). I tried to make a payment but it was " reversed ''. A woman called me last week and stated the checking info was incorrect and said I could find out the numbers that were entered on their website. They do not allow debit card payments for past due mortgages. The info is not on the website. I have tried numerous times to call them and just get an automated message maze that doesn't lead to a person. I have also tried their " chat '' function, which is turned off, and sending them a message on their website, which just gets a response " we received your message ''. It is literally impossible to get a hold of human being at this company!! In the meantime Iate fees are being added to my account. I wonder how many other customers are dealing with the same issue. If they don't have the personnel to respond to customers who have transferred accounts then why are purchasing, or being permitted, to purchase the home mortgages in the first place??!! They are committing fraud by creating an impossible situation for customers to speak to an individual to figure out account issues so they can make payments.
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: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX  from XXXX XXXX XXXX and the vehicle was financed by Ally financial. The vehicle was used and had XXXX miles on it at the time of purchase. I purchased a extended warranty on it for my protection. The vehicle has twin turbos in it and I only had the vehicle for one year when I began having several problems with it. First the left turbo failed which cause oil and coolant to soak up on my spark plugs which caused white smoke coming out of tail pipe. I sent vehicle to XXXX XXXX XXXX XXXX XXXX  and they claimed to have fixed it. I paid out {$860.00}. Then not even two months later the same turbo goes out and along with the right side. Among other issues mechanicaly with the vehicle. The first service department told me that the turbos where in back order this was XXXX of XXXX. It is now XXXX of XXXX  and the vehicle has been at the first service all this time. I have contacted ally financial several times to inform them of the vehicle problems and what options I have being that I have XXXX children and needed a vehicle to get back and forth to work and get children to school. They just referred me to the dealership which couldn't do anything for me because my credit was already low.. so I had to get money from my husband to purchase another vehicle which he got me as a XXXX gift from XXXX . I contacted Ally financial to inform them I couldn't pay for the vehicle and inform them where the vehicle was several times so they could go get it. They never picked it up and are now suing me stating that I'm withholding location of vehicle and suing me for the whole amount financed which is {$25000.00}. I need to file bankruptcy because I have no job and a lot of other debt totalling over XXXX dollars in unsecured debt. Ally financial has went to great extent to collect their property by sending several people to follow my family and I literally everywhere I go whether it be to graveyard to visit my grandmother, to hospital for my son and husband suffering from a XXXX XXXX, to grocery store etc. They park across the street from my house and wait for me to leave 24/7 I have taken video as well as pictures of all vehicles showing them tail me everywhere I go... it has caused me extreme stress and. XXXX  because of invasion of my privacy and my families. Their drivers have even went as far as to jump in front of me on freeway and slam on break to try and cause me to crash, they have sped up past me and look at me with crazy facial expressions and even make hand gestures to me ..I don't know what else to do and fear for my safety
Product: Checking or savings account

I was the holder of an 18 month CD maturing on XX/XX/2021. 
Sallie Mae Bank failed to provide, in any manner, notice of CD maturity as required by section 1030.5 ( b ) ( 1 ) of the CFPB regulation ( for time accounts that renew automatically at maturity ). Because of Sallie Mae 's breach of this requirement, I missed the stated maturity date by a few days, and notified Sallie Mae of my election not to renew. Sallie Mae has wrongfully imposed the interest penalty for a certificate-holder 's failure to give timely notice of non-renewal. The CFPB requirement for a bank to give at least 30 days notice of impending maturity is obviously intended to give a certificate holder time and practical opportunity to timely elect renewal or non-renewal of a CD. Since Sallie Mae did not give the required notice, it is not entitled to collect an interest penalty, and thereby benefit from the bank 's own fault. 

Salle Mae 's representative claims that the bank gave notice by email. I did not receive any such email from Sallie Mae ( and indeed have never received any email or written communication at any time from Sallie Mae concerning the CD ). ( I do not use any email blocker that would have blocked any email communication from Sallie Mae. ) In any case, it is the bank 's regulatory obligation to use a practically effective means to " mail or deliver '' notice of maturity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing a complain against Experian rep XXXX from fraud department. 

To whom it may concern, this complaint is to notify you that on XX/XX/XXXX at XXXX I spoke to XXXX to file a unauthorized inquiries on my credit report. 
I mentioned 3 companies:1 XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 
XXXX refused to submit my request. 
I told her that is my rights to dispute any inaccurate information on my credit report, that a letter was sent to the issuer and to experian. 

Your cooperation in advance is appreciated Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been the victim of identity theft following the XXXX XXXX XXXX. I have confirmed via the breach settlement offer that my information was compromised and now I have several fraudulent accounts populating on my credit reports. I have filed reports with both the FTC and the XXXX in an effort to get justice against the criminals who did this to me. I am requesting that all of these fraudulent accounts be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) so that I may avoid further financial harm. I appreciate your prompt attention to this matter.