23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ally Financial XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of TILA Violations Dear Ally Financial, I am writing to formally dispute certain aspects of my loan agreement under the Truth In Lending Act ( TILA ). Upon reviewing the loan terms and associated disclosures, I believe the following violations have occurred : The itemization of amount financed says XXXX XXXX is {$920.00}, {$29000.00}, unpaid balance of cash price {$28000.00}. Monthly payment says four different amounts : {$830.00}, {$830.00}, {$830.00}, {$830.00} and is being reported as {$830.00} and {$830.00}. Finance charge says XXXX. Down payment says {$1000.00} but was not told if I required one or not. Has reported incorrected past due amounts and time/days, hurting my credit score/report tremendously. Report said account was closed/charged off/profit loss but was still reporting inaccurately, which is in violation of TILA and FCRA. 



I was not provided with the required notice of my right to cancel/rescind the loan as specified by TILA. Never was aware or was sent a 1099-C for vehicle. Tow company did not provide copies that I asked for. I had also sent cease and desist letters to Ally in XX/XX/year> via certified mail and over the phone and they proceeded to go to the address and harass my XXXX  veteran father about the vehicle. Two people went to his house and sat in the driveway for a while. I have green certified mail receipts with tracking numbers as well where I sent these letters to them, as well as notice of violations. Documents were not current documents, they were already printed off when we sat down as well as signatures being signed/not signed electronically. Sending payment owed checks/coupons. Has three different addresses for lending company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Threats of repossession that were not true. Causing emotional distress. There is a need for compensation for punitive damages and emotional damages as well. Violations : 15 USC 1692 ( j ), 1692 ( f ) ( 8 ), 1692 ( d ) ( 2 ), 1692 ( e ) ( 2 ) ( A ), 1692 ( f ) ( 7 ), 1692 ( f ) ( 3 ), 1692 ( f ) ( 6 ) ( a ), 1692 ( f ) ( 6 ) ( b ), 1692 ( f ) ( 6 ) ( c ), 1026.23., 18 USC 1348 ( 1 ) ( 2 ), 18 USC 1033 ( a ), 18 USC 1028 ( a ) ( 1 ) ( 2 ) ( c ), 25 CFR 11.417.

In accordance with TILA, I request that you review these discrepancies and correct any errors that may have occurred. Please provide me with a copy of all relevant documents, including the correct disclosures, so that I may properly review the terms of my agreement.

If you find that a violation of TILA has occurred, I ask that you take the necessary steps to resolve the issue, including adjusting the terms of the loan, issuing refunds, or providing other remedies as outlined under the law.

Please respond in writing within 10 days, or the time required by law, with your findings and any actions taken in response to this dispute.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The accounts are claiming two different dates for Date of First Delinquency and Delinquency First Reported. This information has been illegally changed. It should reflect the month first delinquent. On TransUnion, the Date of First Delinquency is reporting as XX/XX/XXXX yet the Delinquency First Reported is XX/XX/XXXX. As you know, this is not possible to report this information in this manner and also a violation of my rights. Because of this, BOTH dates being incorrectly reported, this account need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report : Account Name : XXXX XXXX Account Number. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against transUnion, for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, transUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding Under the Fair Credit Reporting Act ( FCRA ), Section 16810 of Title 15 of the U.S. Code outlines the procedures and penalties related to willful noncompliance by credit reporting agencies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these discrepancies and provide a resolution within the required 30-day period. Please also provide me with a copy of any documents or evidence used to validate the information, if applicable.

Please note that under Section 16810 of the FCRA, failure to correct or delete inaccurate information after your investigation could result in penalties for willful noncompliance.

I request that the disputed information be corrected or removed from my credit report at your earliest convenience.

Kindly notify me of your findings in writing and provide an updated copy of my credit report upon completion of your investigation. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

While using XXXX, i have experienced instances where my bank did not assist me in deterring fraud when zelle payments were made to the wrong number or wrong individual, as stated in the recent litigation by the CFPB claim against JPMorgan Chase. I have been a Chase Bank member for over XXXX years. I would like to be apart of this compliant and get reparations based on the outcome of the compliant made by the CFPB, as described in this article XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my credit report, it is saying that the XXXX card has late payments for the past 60 days, and this is false. This account 's due date is the XXXX of each month, and the closing statement date on this account is the XXXX of the next month. In other words, for the last billing statement, the due date date was XX/XX/2025, and the closing statement date is XX/XX/2025. I have attached a copy of a statement receipt proving that the last payment was made before the closing statement date on this account. 
Kindly update the account to pay as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX//2017 to XXXX XXXXXXXX XXXX XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.
Product: Checking or savings account

Using the   XXXX   XXXX   app on my phone the bank will not send over info for my account like they should. They update every few days instead of a few times a day so everything is always behind rather than up to date like it should be.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : Chapter XXXX Bankruptcy # XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX 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!

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

XXXX XXXX, XXXX, and XXXX XXXX has accepted a check I sent which resulted in no current amount due. I sent my proof to the credit bureau and they will not remove the debt. I will also attach the checks sent as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from my insurance provider that a claim was submitted and paid. I later learned that the service provider offered the claim incorrectly by submitting the claim to my wife 's secondary and primary insurance. I notified the XXXX XXXXXXXX XXXX, which acknowledges their discrepancy and advised that the claim will be submitted correctly, and the collection agency reported to cease collection activity. I subsequently received a notice from Americollect continuing to collect and advising me to make payment with them. I disputed the amount owing report # XXXX with XXXX. I submitted proof that the claim was paid via official documentation from XXXX XXXX XXXX with no liability owed as payment for the service is reduced. The service was done by a network provider and means the provider of service has agreed to accept the contracted amount, less any pricing changes due to modifiers that may have been submitted on the claim as payment in full. I spoke with an employee at XXXX who confirms receipt of my uploaded documents. The employee states that the information was forwarded to the collection agency for verification. I then receive an alert that the investigation is complete and verified as accurate despite proof that the claim is paid and I have no liability for an additional payment. I have provided documentation to Americollect, XXXX, and XXXX XXXX XXXX, and this negative debt remains on my credit report, adversely affecting my credit score. The debt should have never been placed in collection due to improper billing practices of XXXX XXXX XXXX, which acknowledges their error. I am also alarmed that when submitting proof of a paid claim to XXXX, they are not also verifying the accuracy of the information. They are just forwarding documentation without verifying information and accepting the accuracy of the reporting agent of the debt. If XXXX looks at the data, I submitted they would confirm that there is no liability. I am also a paying monthly consumer of XXXX, and the services provided is appalling.
Product: Debt collection

I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Massachusetts XXXX ( XXXX ) XXXX ext XXXX on XX/XX/XXXX XXXX at XXXX which is my employer telephone number. 

I advised Ms XXXX that she conacted me at my employment number and she should stop contacting me at this number for the XXXX XXXX XXXX. My employer telephone is accessible to other co workers and the phone recorded. 

Ms XXXX contacted again on XX/XX/XXXX at XXXX and left a voice message in regards to debt. 

Ms XXXX contacted the third time on XX/XX/XXXX at XXXX in regards to this same debt at my employment number as tried to collect on this XXXX XXXX XXXX. Advised her again to stop contacting me at my employment telephone in regards to this debt and I will have an attorney contact her. 

My phone is monitored by my employer and all incoming calls are screened for customer effectiveness. I am afraid this call will be listened as a result. 

regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account for {$360.00} is being flagged on my XXXX and XXXX XXXX reports since XXXX. The collection company is Portfolio Recovery Associates ( PRA ). Since that time I have disputed the charges with PRA and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to XXXX and XXXX asking for investigation and removal. 

XX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from PRA that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX XXXX XXXX XXXX to both XXXX and XXXX regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to Portfolio Recovery Associates. 

XX/XX/XXXX Reply from PRA that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can XXXX and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the accounts that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00}.
Product: Checking or savings account

XXXX. Was stolen by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, pa m and t bank Please file police report and recover or credit account. 
Please recover!! 
Complaint must be mailed to corporate headquarters!! Of m and t bank. In XXXX new York. 
XXXX XXXX XXXX XXXX My current bank is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have said over the last couple of years signature documents social security number or anything showing that anything that's on my credit report belongs to me have not sent anything back or resolve the problem so I request for immediately removal of child support student loans many hard inquiries and clothes accounts
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 nameXXXX XXXXXXXX # XXXX 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.this is a Fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my credit card balance with XXXX XXXX in the month of XX/XX/XXXX. I sent an emailed to the XXXX XXXX XXXX XXXX on XX/XX/XXXX indicating that I never, ever would like to conduct business with company and to confirm that my account was closed. I received feedback from XXXX XXXX 's Resolution ManageXXXX name XXXX, confirming account closed per consumer request and data will be updated with all ( 3 ) credit bureaus. 
I was alerted by XXXX XXXX on XX/XX/XXXX. XXXX XXXX has reported inaccurate account status and other information to Trans Union and XXXX. XXXX XXXX only reported the account as Closed only but open as to still owing a balance ... on which I do not owe any balance. I have proof. 

XXXX XXXX needs to correct the account status with all three credit agencies as PAID-ACCOUNT CLOSED. Status information reported to Trans Union and XXXX  is incorrect and needs to be corrected.
Product: Credit reporting or other personal consumer reports

They put on my credit report that I bought the car a year later than a year that I bought it in XXXX I bought a XXXX XXXX in XXXX from keys XXXX in XXXX XXXX XXXX  I paid it off a year early and instead of putting the truth on my credit report they're putting that I bought the car a year later so that I can't get my credit history corrected by making it look like I paid it off on time they aren't giving me the credit that I did they made my credit go down to XXXX when it was almost XXXX and now it's hard for me to get a place I have to move and I can't get the place because of this credit rating that they put on there that makes it look like I bought it a year later than I did when I paid it off a year earlier then I was supposed to
Product: Debt collection

I have been dealing with Diversified Consultants regarding this XXXX XXXX XXXX acct since last year in XXXX. I mailed letters asking for validation and verification to be sent and because they could not provide documentation with my signature they seized all collections efforts and deleted from all credit bureaus. I see that they have once again put that same XXXX XXXX XXXX acct on my credit without proof that this acct belongs to me. I want this acct deleted for the 3rd time and to stop trying to collect on an acct that isn't mines.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX XXXX breach.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX and Equifax credit reports, I have identified inaccurate inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Checking or savings account

My complaint is with Fifth Third Bank. On XX/XX/XXXX I talked with my personal banker XXXX XXXX about the interest being earned on our money market account and was told the rate would increase to 1.1 %. By XX/XX/XXXX, the rate still had not been increased, so talked to another personal banks, XXXX XXXX. Well, in XXXX the rate was increased, but I was not credited with the back interest we should have earned from XXXX XXXX My complaint is that we want Fifth Third Bank to honor their word and credit us with the interest we should have earned. XXXX XXXX phone number is XXXX and XXXX XXXX number is XXXX.