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

TransUnion Headquarters XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear sir, I have received an incomplete credit report from XXXX your company branch addressed XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX After searching internet, I could not find out the branch related this address ; therefore, I have decided to contact with above-mentioned address in XXXX. Compared to XXXX, which has all accounts but in disputes, your companys report has only the XXXX XXXXXXXX XXXX XXXX. From the beginning, I believe the credit report should be confidential ; therefore, same as other financial organizations, your company should indicate only last XXXX digits. So, I do not want to comment on your credit reports. As your company should be a proper and reliable company, I request re-create the credit report at least a condition of a few months ago, which includes other bank credit card and other commercial credit cards information. I am looking forward your re-do credit report. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell EXPERIAN that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged. Pursuant to Section 605B of Fair Credit Reporting Act this account XXXX XXXX XXXX XXXX XXXX will be deleted from my file.
Product: Checking or savings account

TD Bank has grossly been mishandling my dispute against a merchant ( XXXX ), who deleted my account for no good reason and would not allow me to return the only merchandise I ever purchased from them under said account. TD Bank requested more information, and I provided it to them. It was plain and simple.. just what I said They closed my account and would not allow me to return merchandise. A XXXX year old could figure it out the first time. Nonetheless, I cooperated and did what they asked. 
This time around, I showed TD Bank the email where the merchant closed my account. And the date of that email proves I was still within the 30 days to return the merchandise, which is standard policy for items shipped from the merchant, even if theyre sold from a third party. TD Bank states their reason for not settling the dispute in my favor thus far, is because the merchant provided documentation of me making the transaction, which is utterly and completely irrelevant as to why I disputed the charges. TD Bank further states that the merchant provided documentation showing that I continued to use their services. I would love to see this so-called documentation, being they closed my account. How was I able to continue using their services if they closed my account?!?!? Does that make even the least bit of sense?!?!? Their email where they closed my account even states, When we close your account, you can not open a new account or use another account to place orders on our site. 

TD Bank states they are only giving me a partial credit {$50.00} of the {$150.00} I disputed, and that I need to resolve my issue with the merchant directly Absolutely disgraceful. XXXX  poor excuse for The Bank Where People Make the Difference. '' What a joke. They cant even do their jobs correctly, let alone make a difference. 

I have been with TD Bank for 20 years, and this is the first dispute Ive ever filed against a merchant aside from XXXX, not counting a couple credit card companies I recently disputed against for ach payments I had revoked authorization from but they charged my checking account anyway. So for TD Bank to manage my dispute so disgracefully, I am beyond disgusted that they would treat such a long time, supposedly valued customer this way. Therefore, if TD Bank does not make this right and provide to me the full {$150.00} whether it comes out of the merchants pocket or theirs, I will be closing my account with TD.
Product: Student loan

I was called and harrassed about my student loans. I wad not given alternative repayment options. My loans were XXXX then placed with Navient.
Product: Debt collection

I received a letter in the mail dated XX/XX/22 from Wakefield & Associates. The letter states that Wakefield & Associates is a debt collector. The creditor is XXXX XXXX XXXX XXXX. The total balance is {$680.00}. The discount balance is {$470.00}. Wakefield & Associates website is chat.wakeassoc.com. Address : - XXXX XXXX XXXX XXXX, TN XXXX. 
- XXXX XXXX XXXX XXXX, TN XXXX. 
Phone numbers : - ( XXXX ) XXXX - XXXX. 
- ( XXXX ) XXXX - XXXX. 
- ( XXXX ) XXXX - XXXX From the letter, it looks like they only accept credit card payments ( XXXX, XXXX, XXXX XXXX ). 
I called and was told that the bill was for unpaid medical. They told me it is a HIPAA violation to tell me where this bill is from ( which doctor billed ) and told me that I have to mail Wakefield with a request for itemization to dispute the bill. I called the hospital ( I received care from ) directly and was told that I have no outstanding bills and that they do not use Wakefield and Associates for collections. I called Wakefield back and gave the person who picked up the account number. He was asking me if I was different people ( he went through a few names ). I asked him why one account number would have more than one name. He said that there are many account holders. I hung up. I am almost certain that this is a scam. I search on XXXX and found similar complaints.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2023, I reached out to XXXX asking for validation letters stating that collection accounts do not belong to me. 
Amsher Collection Serv ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored my request and accounts are still reporting negative on my credit report.
Product: Debt collection

This is a follow up complaint to XXXX. 
TCS continues to call my work number, despite being told not to by phone and even after receiving that prior complaint listed above. 

I received a call XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXXXXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This account is a fraudulent account, I do not owe this company and I have never signed any contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 

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

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I RENTED XXXX XXXX MONTHS LEASE PAID ALMOST {$2000.00} UP FRONT FOR A {$1000.00} PER MONTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I PAID ALL FEES WITH RENT WHICH INCLUDED RENTERS INS, SEWER, TRASH, WATER AND HANDLING FEES. EVERY MONTH ALL ON TIME NO LATE FEES. AND GAVE NOTICE BY MAIL ON XXXX  STATE AUTHORIZED XXXX AND MAILABLE FORMS OF MY INTENTION TO VACATE AT THE END OF THE LEASE XXXX XXXX. MAILED CHECKS ON TIME.. MAILED KEYS BY CERTIFIED MAIL WITH RECEIPT IN XXXX BEFORE THE END OF THE LEASE. I HAVE ALL THE PAPER WORK AND THE CERTIFIED RETURN MAIL IN MY FILES TO PROVE THIS. BECAUSE OF ILLNESS AND FROM XXXX XXXX. I HAVE THE RETURN RECEIPT TO PROVE THIS. LATER INTO THE LEASE THE XXXX TOLD ME ON SIX MONTH LEASES THEY DO NOT GIVE BACK MY DEPOSIT ON SHORT TERM LEASES. I HAD A {$500.00} DEPOSIT. AFTER 6 WEEKS LATER THEY SENT ME A BUNCH OF EMAILS THINKING I HAVE NOT MOVED OUT YET. I RESPONDED IMMEDIATLEY TELLING THEM I HAVE THE CERTIFIED RECEIPT THAT THEY RECEIVED MY KEYS. THEY THEN SENT ME AN ERRONEOUS BILL THAT I IMMEDIATELY DISPUTED. THE UNIT WAS NEVER SLEPT IN. WE RENTED THE UNIT BUT WE NEVER SLEPT THERE BECAUSE I GOT XXXX XXXX  FROM THE XXXX XXXX. WE WENT BACK TO XXXX AND I NEVER RECOVERED ENOUGH TO TRAVEL.. WE PAID THE RENT ONLY BECAUSE WE SIGNED THAT WE WOULD ON THE CONTRACT. THEY ARE A XXXX OUTFIT. FROM THEIR DEMEANOR WAY UP FRONT. LIKE FOR INSTANCE YOU HAVE TO GIVE US 60 DAYS NOTICE TO VACATE WHEN THE XXXX STATUTES SAY 30 DAYS. I GAVE THEM THEIR LOUSY XXXX  DAYS NOTICE IN XX/XX/XXXX AND THE LEASE IS OVER XX/XX/XXXX. THEY NOW HAVE BOGUS CHARGES FOR ALL KINDS OF STUFF. INCLUDING 2CLEANING FEES. IF THEY WANT TO CHARGE A CLEANING FEE THEY NEED TO COLLECT THAT UP FRONT LIKE I DO IN XXXX WITH MY XXXX. YES I HAVE XXXX  IN XXXX  XXXX. THEY CHARGED $ XXXX AND $ XXXXCLEANING FEE  AND LIKE I SAID WE XXXX HAD TIME TO COME BACK TO THE UNIT TO PARTY IN XXXX XXXX  BECAUSE I GOT SICK WITH XXXX  FROM XXXXXXXX XXXX WE ABSOLUTELY DISPUTE THIS BILL AND WE WANT OUR {$500.00} DEPOSIT SENT BACK TO US MINUS ANY SEWER, RENTERS INS, WATER BILL, TRASH BILL CHARGES. THEY WERE SENT THIS MANY TIMES BY EMAIL AND CERTIFIED MAIL. LOOK WE ARE XXXX AND XXXX XXXX OLD WITH A XXXX SCORE OF XXXX .. WE HAVE VIRTUALLY NO DEBTS. WE PAY OUR BILLS OF WHICH WE HAVE NO CREDIT CARD DEBT. ONLY A SMALL HOUSE PAYMENT TO A XXXX XXXX  FOR {$270.00} A MONTH ON A HOME THAT IS IN A XXXX XXXX. GOOD LUCK TRYING TO COLLECT OR DAMAGE US. THE BIGGEST THING IS I WANT TO SUE AND STRAIGHTEN THESE XXXX  OUT FOR GIVING ME A HARD TIME. THEY ARE PURPOSELY DOING THIS TO MANY OF THEIR EX RENTERS. THEY HAVE ABSOLUTELY NO RESPECT FOR THEIR CLIENTS. THEY DIDN'T SUE ME AND MY WIFE. MY WIFE GOT TH3 I Q DATA INTL INC IN THE MAIL STATING SHE XXXX XXXX XXXX XXXX DATED XX/XX/XXXX REF XXXX WE TOTALLY DISPUTE THESE CHARGES AND WANT OUR DEPOSIT BACK PRONTO. 
XXXX XXXX XXXX  I TOTALLY DIS PUTE THE ERRONEOUS CHARGES AND DEMAND MY DEPOSIT TO BE RETURNED SIGNED XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to formally lodge a complaint against Bank of America regarding their recent actions, which I believe to be retaliatory and detrimental to my credit restoration efforts. Below, I have outlined the events and concerns in detail : XXXX. Submission of Complaint : On XX/XX/year>, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding issues I have been facing with Bank of America 's practices related to my credit. 
XXXX. Bank of Americas Response : On XX/XX/year>, Bank of America contacted me to acknowledge that they had received the complaint. 
XXXX. Unauthorized Withdrawal : On XX/XX/year>, Bank of America withdrew {$1100.00} from my bank account without my knowledge or consent. This unauthorized withdrawal appears to be in direct retaliation to the complaint I submitted. 
This unauthorized action by Bank of America has had several significant impacts : Financial Disruption : The unexpected withdrawal of {$1100.00} has jeopardized other scheduled bank drafts, causing potential overdrafts and additional financial stress. 
Lack of Communication : Bank of America did not inform me of their intention to withdraw these funds, exacerbating the situation and demonstrating a lack of transparency and communication. 
Retaliatory Nature : The timing and nature of this withdrawal suggest that it was retaliatory, stemming from my complaint to the CFPB. This raises serious concerns about the bank 's commitment to ethical practices and accountability. 
Additionally, Bank of America has consistently failed to take responsibility for the inaccurate information reported by credit bureaus. Their refusal to address these inaccuracies continues to harm my credit standing and overall financial health. 
I urge the CFPB to investigate this matter thoroughly. It is crucial to ensure that financial institutions adhere to fair practices and do not engage in retaliatory actions against consumers who exercise their right to submit complaints. 
Please find attached all relevant documents, including a copy of my initial complaint, Bank of America 's response, and evidence of the unauthorized withdrawal from my account. 
Thank you for your attention to this serious matter. I look forward to a prompt and just resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

Since XXXX I have worked with Amerihome to submit all documentation required to show that I am exempt from property taxes due to my 100 % XXXX XXXXXXXX here in the state of Oklahoma. Per XXXX XXXXXXXX XXXX XXXXXXXX, my mortgage payment should be adjusted to reflect the removal of property tax payments and updated to reflect that. When I called today ( XXXX XXXX ) to check on the status and see when the investigation would be complete, I was told no action had been taken. Furthermore, the customer service representative repeatedly derided and interrupted me as I politely tried to explain my situation and request that she look at my account and see if the 100 % XXXX  XXXX paperwork was on file for me. It was also implied that I was lying and that I didn't know what I was talking about when it came to my own military veteran XXXX status. I didn't get any help to resolve this issue and am now left to continue calling to rectify this issue. 
If this is how Amerihome views military veterans, and treats its customers then I would suggest looking elsewhere for a better mortgage company.
Product: Credit reporting or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes acXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Product: Checking or savings account

My Chase bank accounts Checking and Savings is being close by XX/XX/2023 because of unexpected activity. I have not done anything out of the ordinary with my Chase accounts to warrant it being closed, I use my account regularly and do not engage in illegal activities.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and 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 reported 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 w as 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. 
In addition to this, there are also multiple late payments from other accounts reporting as well that should be removed immediately. 
XXXXXXXX XXXX Acct Number : XXXX XXXX XXXX Acct Number : XXXX