23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a credit card ( ending in XXXX ) with Penfed Credit Union on XX/XX/XXXX, I was using this card for over two years without any problem. All of sudden, they closed my card without a notice until my transaction got declined when I was trying to pay at a gas station with this card a few days ago. Then I logged onto my account, the card disappeared on the page. I also check my credit report, it shows that the card XX/XX/XXXX. I contacted their customer service to reopen the card, they did not give me any explanation and said they can not reopen a closed card, I can only go to apply a new card, then I submit an application, it got denied. I have never requested to close the card. And this is the SECOND time that they closed my account without notice!
Product: Debt collection

* Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   credit card.   I made three payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was told  XXXX   XXXX  had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  Portfolio Recovery  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacted  XXXX   XXXX  but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  XXXX   XXXX .     In  XXXX   XXXX  I contacted both  Portfolio Recovery  and  XXXX    XXXX  k.  Portfolio Recovery  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance.  XXXX  said the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth with  XXXX  Bank and  Portfolio Recovery  since  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 those account 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 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

I have tried to validate bankruptcy and none of the bureaus validated or said who is reporting this on my reports
Product: Debt collection

Since XXXX XXXX, 2017, I have been disputing a fraudulent account on my credit report with Central Financial Control ( a.k.a. Syndicated Office Systems ). Syndicated Office Systems continues to ignore my correspondence and instead states the account is in there " Disputes Department '' the same response I have received for the last 3 months. The Customer Service department refuses to transfer me to speak to them directly and instead states that I must send all correspondence via US mail which I have on several occasions. Today I have sent over 6 letters only to receive a computer generated response stating they are unable to clearly read my Drivers License ; this is incorrect I have sent clear copies of my drivers license on several occasions. I have a police report on file regarding this account and have also filled out a Identity Theft Report with the Federal Trade Commission. All documents have been sent via certified mail and fax on several occasions. Syndicated Office Systems is illegally reporting this account on my credit file and is doing everything they can to avoid removing the account. This is illegal! I will attached all copies here as verification of what was sent to Sydicated Office Systems.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about customer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

and i faced a unusual situation with a merchant but the bank didt bother to have a look at the receipts they simply went in favor with the merchant ( XXXX XXXX ). 

I have deposit 2 disputes because i was overcharged none one, but twice. 

1 ) first complaint the hotel charged me {$2600.00} where i was supposed to get charged {$1000.00}. 
2 ) second complaint the hotel charged me {$780.00}. 

Both disputes were made on XX/XX/2020, Bank of America went in favor to XXXX XXXX, despite the receipts that proves that they charged more that they were supposed to. They gave me back my money and they havent even bothered to read the receipts. 

Please, now i need your support on this as soon as possible, it has been weeks and they are always fining excuses. 

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

XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX is listed twice on my report incorrectly. It was paid n full and is now on my credit report as payment plan and derogatory and late payments. None of it is true all incorrect information.
Product: Checking or savings account

On XX/XX/2019, {$180.00} was transferred from my " Wisely by ADP '' paycard into an unknown bank account. I have spent weeks calling ADP 's fraud department and being told that a letter is supposed to show up in 7-10 business days each time it was sent out. I am now 11 days into my third " 7-10 business day window and haven't received the letter saying what happened to my money. Everytime I ask to speak to a supervisor they put me on hold for 10 minutes and then tell me they are busy and will call back within 24 hours but never have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a recent review of my credit report at the XXXX, XXXX  and TransUnion consumer reporting agencies, I learned that XXXX XXXX ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2008, I deserve more.
Product: Mortgage

This complaint is against Seterus. They verbally approved me for a forebearance until XX/XX/2018 due to hurricane Irma. Today I received a demand letter accelerating my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing XXXX XXXX XXXX co response to my complaint I noticed XXXX XXXX XXXX co statements were in violations with the FCRA. XXXX XXXX XXXX costated stated that XXXX XXXX XXXX co must provide complete and accurate information to the CRA. As XXXX XXXX XXXX reviewed my consumer report I underlined multiple unacurate and incomplete information provided by the XXXX XXXX XXXX co to the consumer reporting agencies. I have attached a copy of my consumer report to this complaint as proof. Also XXXX XXXX XXXX co failed to provide me XXXX XXXX the consumer documentation stating that I XXXX XXXX authorized XXXX XXXX XXXX co to report transactions to the credit reporting agencies. XXXX XXXX XXXX co stated that I XXXX XXXX requested to report a ( {$0.00} ) XXXX balance to the consumer reporting agencies that also is false.I XXXX XXXX will NEVER tell any creditor to lie and or go against any FCRA guidelines.I XXXX XXXX requested XXXX XXXX XXXX co to DELETE all unacurate, incomplete and unauthorized transaction from my consumer report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Illegal Information on Credit Report Dear CFPB, I am disputing illegal information on my credit report related to the following accounts with XXXX XXXX : - Account : XXXX - Account : XXXX Despite contacting both the creditor and Experian, the errors remain unresolved. XXXX 's failure to update their records correctly after a claimed card issue has caused a severe drop in my credit score, leading to the rejection of my apartment application. This error has caused significant hardship, and I am currently homeless with my daughter.

According to 15 U.S.C. 1681a ( i ), this information should not be included in my consumer report. I request your investigation and removal of these inaccuracies.

Thank you for your attention. 

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

The dispute process with Transunion is non existent. The online dispute web-page/website does not work. If you are able to get someone on the phone and get a dispute started it never seems to get investigated, resolved, or changed. It just evaporates and the disputed data is not revised removed or otherwise changed. This is not a new situation. 
Transunion should not be allowed to report on a persons credit worthiness if they are unwilling to do the leg work to maintain the data they report as correct. I would think that there are laws that govern this in the United States. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent credit inquiries listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized inquiries removed. 
The inquiries in question are as follows : Inquiries : XXXX. XXXX  - Date : XX/XX/year> XXXX. XXXX  - Date : XX/XX/year> XXXX. XXXX  - Date : XX/XX/year> XXXX. XXXX - Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of this debt. 
I have no knowledg of this debt. 
I called and I was told that the date listed is incorrect. XX/XX/XXXX is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Date is incorrect as well as debt is incorrect.
Product: Money transfer, virtual currency, or money service

Chase bank toke for XXXX dollars today the whole bank was in on it. Made look like I was nothan.i work as XXXX XXXX XXXX for California an XXXX. This the second time JPMorgan 's has done. He the real hacker an theif.i know he say to invest into his business after you get paper an. The document in go to bank to your money an there is none.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following items on my Equifax consumer report ( credit report confirmation # XXXX ) under the basis that Equifax did not follow the permissible purpose law under the Fair Credit Reporting Act. 

Accounts : 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 XXXXXXXX XXXX XXXX Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX Hard inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX " ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. '' According to this definition Equifax is a consumer reporting agency because you have assembled and furnished my credit information. Seeing as how you are defined as a consumer reporting agency you are subject to following FCRA guidelines which includes permissible purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) 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.

If you can not provide me proof of my written instructions giving you permission to furnish each of the following 16 items I mentioned in the beginning of this letter then I request that you delete the accounts and inquiries immediately.

15 U.S. Code 1681n - Civil liability for willful noncompliance says that : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} According to the Civil liability section of the FCRA it says that I am entitled up to {$1000.00} per violation, If you can not prove that your agency had permissible purpose then I would like a settlement of {$16000.00}. ( {$1000.00} per violation for the 16 items i disputed )
Product: Credit reporting

I have disputed these inquiries with equifax multiple times they refuse to remove them without ever doing a real investigation. I actually called the companies on the inquiry list and they ca n't find my info anywhere yet equifax keeps reporting these fraudulent inquiries. They changed my social without my consent I had to send my correct social security number to get that corrected. I explained to them while the social was wrong is a result of all these inquiries being reported and I never applied to these places.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These collections & accounts found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Accounts 1. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 

XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 3. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 4. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

Ive noticed some incorrect information on my credit report, which falls under the regulations of 15 USC 16c-2. The details in question seem inaccurate and are negatively impacting my credit rating.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$620.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$7000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$9700.00} Date Opened XX/XX/XXXX XXXXl XXXX Balance {$6200.00} Date Opened XX/XX/XXXX XXXX XXXX {$5600.00} Date Opened XX/XX/XXXX XXXX XXXX {$4500.00} Date Opened XX/XX/XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Debt collection

I am writing to formally lodge a complaint against XXXX XXXX, a collection agency, for violations of consumer protection laws as outlined below. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for your review and appropriate action. 

1. Dispute of Debt Ownership : I dispute owing any and all debts to XXXX XXXX. I request that XXXX XXXX cease all communication with me through email, text messages, and phone calls as of the date of this letter. Please be informed that I am revoking any rights for XXXX, XXXX to contact me using these means. 

2. Debt Validation and Purchase Agreement : I request that XXXX XXXX provide validation of t the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), Additionally, I request a copy of the purchase agreement between XXXX XXXX and the original creditor to verify the legitimacy of their claim. Furthermore, I require proof that XXXX XXXX is duly licensed and bonded to operate as a collection agency. 

3. Violation of Consumer Rights : XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

4. Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 

5. Failure to Provide Required Disclosures : XXXX XXXX has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provided.