23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Formal Credit Dispute Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error I am writing to formally dispute inaccurate information on my credit report concerning the balance reported by XXXX XXXX, account number XXXX. Upon reviewing my credit file, I identified significant errors that constitute violations of the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ). These errors meet the legal definition of billing inaccuracies and require immediate correction or removal.

The specific violations are as follows : 1. Failure to Reflect Proper Credits or Payments ( 1666 ( b ) ( 4 ) ) : The balance reported does not accurately reflect payments or credits applied to this account, leading to an incorrect and misleading representation of my account status.

2. Computation or Accounting Errors ( 1666 ( b ) ( 5 ) ) : The reported balance includes errors stemming from incorrect calculations or misapplied charges. Despite the creditor 's obligations under TILA, no substantiating evidence has been provided to validate the accuracy of this balance. 
These discrepancies undermine the accuracy and integrity of my credit report and violate the Fair Credit Reporting Act ( FCRA ) and TILA requirements. 
Resolution Requested : To resolve this dispute fairly and efficiently, I request the following actions : 1. Immediate removal of this inaccurate balance from my credit report. The failure to substantiate the validity of this balance makes its continued reporting unjustifiable under federal law. 

XXXX. Full documentation from XXXX XXXX  proving the accuracy of the reported balance. This should include a complete and verifiable accounting of all payments, credits, and charges applied to this account. 

XXXX. If XXXX XXXX  can not provide concrete evidence validating the accuracy of this balance, the account must be permanently deleted from my credit file to comply with FCRA and TILA provisions. 

I expect this dispute to be resolved within the statutory timeframe of 30 days, as required under the FCRA. Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation and enforcement. 

This issue has caused undue stress and potential harm to my financial standing, and I trust that you will address it with the urgency and fairness it deserves. 

Please confirm receipt of this dispute and provide updates throughout the resolution process. 

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

I filed bankruptcy and it was discharged Chapter XXXX on XX/XX/XXXX, but Experian is allowing a company called XXXX XXXX XXXX to report on my credit report. 
1. I have never signed contract nor done any business with this company, the company is reporting negative information on Experian for a debt that was included in my bankruptcy. The company XXXX apparently handles debt for XXXX or they are XXXX but the debt was discharged in bankruptcy court. 
Experian allow them to report as falling off XXXX, as due {$2000.00} and active debt. XXXX should not be reporting anything the debt was discharged. 
Experian was demanded to remove the debt all debt was forgiving. XXXX should be reporting as closed, current, {$00.00} and surely know date when it will be removed and XXXX should be removed off my credit all together. 

Experian is also reporting my history as NONE, but so long as they report my credit on there files they need to report the length I had the credit. I asked that this be corrected they have not complied. My credit history is 9years and 3 mths.
Product: Credit reporting or other personal consumer reports

EQUIFAX KEEPS REPORTING XXXX XXXX XXXX  ON MY CREDIT REPORT AND IT IS OVER 12 YEARS OLD. I WOULD LIKE IT REMOVED FROM MY CREDIT REPORT DUE TO THE AGE.
Product: Credit card

I always paid on time, and this giving me XX/XX/XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several disputes and FTC Reports to XXXX, XXXX AND EXPERIAN. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS INCARCERATED. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX XXXX. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Student loan

I can not login into MOHELA even after using my SS and DOB. I have many emails saying I don't own anything per month but when I go to federal student aid website my loan has gone up. MOHELA doesn't answer and I can't reset or login to try to figure out what's going on. This is ridiculous!
Product: Student loan

I had a federal student loan with Navient. Due to the settlement I believe I am eligible for compensation
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 UCC 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 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: Checking or savings account

I made a withdrawal on the ATM for XXXX andATM only dispense XXXX bank the ATM was low in funds .i ask to see the videos and they said they dont use it for that purpose. They just give me excuses. And no resolution to this problem.
Product: Credit reporting or other personal consumer reports

I have reached out several times to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX XXXXXXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of Rico which is a crime they can do jail time as well pay a fine. Every single contract was based off of fraud because I was never given full disclosure. I asked for a lawful contact in wet ink signature which no one could provide also we the people are the credit at the moment of signing they give triple the amount of the loan and they fill a 1099 on top of that which would be double dipping. I have reported these companies to the XXXX  and the United States courts of federal Claims due to misconduct everyone have been commiting fraud against we the people and I have several documents to prove it I would appreciate it if they would remove this illegal unlawful accounts off my report immediately.
Product: Student loan

Dealing with XXXXAES, I can not access links or pages to apply for Income Based Repayment. There process has been to stonewall all of my attempts since  XXXX 2018. This has caused my loans to go into default and my credit score has take a severe dive.
Product: Checking or savings account

On, XX/XX/XXXX all my XXXX transactions where credited back to me. 
I called made a claim and they where reversed on XX/XX/XXXX. On XX/XX/XXXX, I got a call for my apartment manager who said my XXXX payment have disappeared. I called chase they said it would be returned in 30days. So on XX/XX/XXXX I called and asked if the money was being sent back to me or them and I was informed it would take another 30 days. Then when I called again they said they sent it back but my apartments dont see the money and neither or my other transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by these two companies is inaccurate and should be removed from my credit report. 
Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. As far as I am aware, neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as well as CREDIT CONTROL CORP have no permissible purpose to access my consumer report
Product: Checking or savings account

I have XXXX transactions I disputed and they are all the same company different processors but they issued a refund on XX/XX/XXXX I have proof and I still havent received the money and I have disputes open on all of them pleaS get me my money.
Product: Credit card or prepaid card

CareCredit sold a debt that I did not authorize nor did I make the charge on the CareCredit credit card. 
The unauthorized and or fraud transaction was in the amount of {$2000.00}. 

I refuse to pay for something I didn't authorize nor did I make, nor did I benefit from. 

CareCredit sold the debt to XXXX XXXX XXXX in the amount of {$3000.00}. 

XXXX XXXX XXXX is reporting to the credit bureaus as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of anydebt- 15 us 1692b ( 4 ) not communicate by post card ; 15 us 1692b ( 2 ) not state that such consumer owes anydebt ; 15 us 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt
Product: Checking or savings account

I opened a checking account with Citibank in XXXX this year. 

In XXXX they closed my account without reason and withheld my funds. I received no communication they had done this, I only found out when I contacted them. They originally informed me that I needed to wait up to 60 days to receive a check in the post for the balance of my account. The balance at the time of closing was {$3400.00}. 

After contacting them a few times for information, I just accepted that they had closed my account, despite giving me no reason for doing so. I waited patiently over the following weeks, but I never received a check. 

After the deadline passed, I contacted them again. They suddenly informed me that I would not be receiving a check for any money at all! Instead, stating that I need to retrieve the funds from whoever funded the account. However, the funds in the account mostly consisted of casino withdrawals. I have been in contact with the casinos and obviously they are unable to retrieve funds from an account they've transferred money to after the transaction is complete. 

I have tried multiple times to explain to Citibank and their customer service is awful. They're wrongly withholding my money and I don't know what to do about it so I am turning to you for help. I have no interest in banking with them, I just want my money back.
Product: Money transfer, virtual currency, or money service

XXXX and XXXX dollars XXXX of XXXX  and I would call get updates and never get to talk to live representatives and cash app also closed my account for no reason and when I asked the reason they would say someone would call me or email me and either of those things happened.
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. I told XXXX, Transunion, and XXXX to reinvestigate the Account XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 or other personal consumer reports

.its impossible that all 3 of them ( XXXX , experian, XXXX ) can verify that this is an accurate if there information is missing within all 3 of them and are not matching. 

under the FCRA i am entitled to a 100 % and accurate reporting and that is not the case here as information is missing and does not match in a case where one says account closed and the others says open, the date of when it open dont match and the date of last activity says other wise as well and does not show when the last dilequency i missing in the other 2 and shows in one and not the rest which shows a major reporting error within XXXX , experian, and XXXX XXXX or could be the reporting error with the debt collectors reporting as well the amount is in accurate for the debt collector is not suppose to charge me with the hold over rent stated in the court document witch the debt collector does not want to adhere too
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has knowingly disregarded my disputes on the XXXX XXXX XXXX dispute. I submitted paperwork showing this was paid and closed to be removed in XX/XX/2022 and the continually keep violating the FCRA and keep inaccurately reporting it. It is supposed to be removed as part of the settlement.
Product: Debt collection

In response to a notice I received via a posting on my credit report dated XX/XX/ from SYNERPRISE CONSULTING I sent a letter dated XXXX  requesting that they provide me competent evidence that I have any legal obligation to pay them. Additionally I required them to meet specific outlined requests as to what the debt validation should include. I reminded them to be advised that this was not a refusal to pay if this alleged debt is legitimate, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I waited for 30 days and had not gotten a reply back yet. On XXXX  I sent an additional letter referring to the previous letter and still have not gotten a response back. This company violated my rights, willfully and knowingly dishonored my presentments. They neglected me as if my communication meant nothing to them while still reporting negative items on my credit report which in turn caused me to have a higher interest rate on my home loan. These effects have future damages which all derive from their negligence and incompetence. I am of the opinion that this should be resolved by having SYNERPRISE CONSULTING delete my account along with all reports and records referencing my name.
Product: Money transfer, virtual currency, or money service

I opened an account with truist bank to deposit a social security check that came in the mail, I had been waiting on. So i trusted truist and went to the bank with the check on XXXX XXXX which was a friday , I knew it couldve took intill monday I was fine with that. they deposited the XXXX into the account with no problems with bank tellers .It was deposited into the account between the XXXX mark. I couldnt use my money yet because it was the weekend which was okay and I was waiting on my card to come in the mail .The next coming day my account was deducted XXXX  and then I called the bank they said they didnt see the transaction that i seen in my online app that said it was from truist . The next upcoming day the account was placed on hold then was locked. So couldnt access my online account . I called the bank they didnt say much, I went inside the supervisor called the fraud department and they said everything looked good and their still looking into it . The supervisor gave me the fraud department number and told me that someone would reach out by XXXX XXXX XXXX  so five days , noone reached out i reached out to the number they gave to me , Early in the morning and they said the analyst was still reviewing my case and to reach out later on i asked to speak to the analyst i was told that they dont have a contact to be reached on. So okay i waited to call back later that day around XXXX called them back and they told me the analyst left a note saying they still dont know why my money wont be released.they will reached out to me in another 4,5 days . At this point there being very unprofessional and inconvenient. I know the check is vaild and ive been receiving social security my whole life i usually get it direct deposited but this time it was a check. They need to reach out to the government or whoever on the check or give me my check back so i can go take my business somewhere else.They still cant give me no reasoning and I know my check is valid.There moving very slow like they dont value their customers. They also dont have no XXXX  or XXXX  fraud department specialist when I asked the man i was speaking to.
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 Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX XXXXXXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX  XXXX Original creditor : XXXX Account number : # XXXX Account name : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
Account number : # XXXX ALLhave all violated my legal rights under the following laws : 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 or other personal consumer reports

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$250.00} XXXX XXXX  {$460.00} XXXX XXXX XXXX {$740.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$170.00} USDOE/XXXX   XXXX {$420.00} XXXX  XXXXXXXX {$740.00}