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

I am writing to bring to your attention an important issue that I have discovered on my credit report. Upon reviewing my credit report dated XX/XX/year> I have identified the following information which I believe is incorrect : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular This inaccurate information could have significant negative implications on my credit score and financial standing. As such, I consider this matter to be of the utmost urgency.

I kindly request the prompt deletion of this inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information in my credit report that I consider to be inaccurate or incomplete, and have the right to request its immediate removal.

To facilitate the resolution of this issue, I have provided my contact details below. I am hopeful for a swift response, and would appreciate it if you could notify me once the correction has been made. If further discussion is needed, I am available at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please note that if Credit Bureau fails to promptly correct the information as requested, I may consider taking further steps to ensure the accuracy of my credit report. I trust, however, that this matter will be resolved speedily and satisfactorily, without the need for such actions. 

Thank you for your attention to this matter and for your cooperation. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting an account that is charged off on my credit report but they have not sent me a 1099C. According to federal law they were to furnish a 1099C once they charged off the account but I have not received a 1099C. If I dont receive a 1099C within 15 days, I will be filing a 3949A with the IRS as this is considered tax fraud since I have not received a 1099C.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- My vehicle loan was paid the remaining $ XXXX balance. I was informed it could take 7-10 business days to reflect as paid and closed on my credit report. I understood. 

XX/XX/2020-My phone app reflected the payment on my account, however, still was not showing as paid on my credit. Spoke with XXXX on their webchat and was advised it would day 3-5 business days as they were slightly behind due to COVID-19. I understood. 

XX/XX/2020-Still no change to my credit report, contacted XXXX  via phone and was advised they would send an email to expedite my account being reported. I understood. 

XX/XX/2020-Still no change to my credit report. contacted XXXX and stressed the importance of getting this rectified as I am trying to get a house and this account is causing some issues. I was advised it would take another 3-5 business days for them to expedite it ( again ) and she would send me a letter by mail stating it was paid in full so I could show the housing company as we waited for it to go through to credit. 

XX/XX/2020-Still no change to my credit report, never received the letter of paid in full status. 

XX/XX/2020-Housing company could not hold off on my application any longer and ran my credit. 

XX/XX/2020-Filed an online dispute with Experian in hopes that it would prompt XXXX to update my account with accurate information. ( Dispute still pending as of XX/XX/20 ) XX/XX/2020-Housing company denied my application because my debt to income ration was not accurate because XXXX account is still showing as open and outstanding. 

XX/XX/2020-I checked my mailbox again for the letter, it was not there. Contacted XXXX and asked for a supervisor. I was advised there was nothing they could do and was given another 7-10 business day response. It has been almost 3 months since this has been paid and now this is severely impacting my life by them not accurately reporting my account. I was told by the supervisor that they have not reported many accounts so I may not be the only person being impacted by this. 


I am currently XXXXt with XXXX and I NEED this house before they arrive. My apartment is not large enough and I can not do anything because XXXX is stonewalling me with timelines that, in my opinion, are wrong. It has been well over the 7-10 business day timeline they gave me since the beginning. Now I will have to have another hard inquiry on my credit when I have to reapply for a house all over again once XXXX does the right thing. 

When I attempt to log into my account to obtain the proof of payment, I get an error message. " You can't view the details for your closed vehicles accounts anymore. '' So they've marked it off in their system but refuse to report it to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated the below accounts were properly investigated from letters sent certified mail on XX/XX/2022 but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for immediate removal of all accounts. They also violated my rights under 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.

I have not given these accounts written permission to furnish these accounts on my credit report. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXXXXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  XXXX Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my righ

ts 15 U.S.C 1681 section 602 A. States I have a right to privacy. 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 the records of convictions of crimes which antedates the report by more than 7 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 card or prepaid card

WHEN MY WIFE AND I BOUGHT OUR HOUSE, PART OF THE APPROVAL FOR OUR LOAN WAS THAT WE HAD TO PAY OFF A FEW OF OUR CREDIT CARDS. WE WROTE ONE CHECK TO XXXX XXXX  XXXX  WHO WERE THE ONES THAT DID OUR CLOSING, THEY CUT ALL THE CHECKS TO THE DIFFERENT ACCOUNTS WE WERE PAYING OFF. ALL OF THE CHECKS WE EITHER MAILED OR PAID IN PERSON, THEY ALL WENT THROUGH JUST FINE EXCEPT THE XXXX  ACCOUNT THAT IS THROUGH COMENITY BANK. I WENT INTO XXXX  AND HANDED CHECK NUMBER XXXX IN THE AMOUNT OF {$1500.00} IN PERSON AT THE CUSTOMER SERVICE DESK TO PAY OFF MY COMENITY/XXXX CREDIT CARD. I HAVE GONE IN THERE MANY TIMES AND PAID IN PERSON AND NEVER HAD A PROBLEM. THE XXXX EMPLOYEE AT THE CUSTOMER SERVICE DESK PROCESSED THE PAYMENT, HANDED ME THE RECIPT AND I LEFT. I RECEIVED AN EMAIL SHOWING A XXXX BALANCE. I RECEIVED STATEMENTS SHOWING THE PAYMENT POSTED AND I ACTUALLY HAD A SMALL CREDIT OF {$1.00}. 
ALL OF THE SUDDEN I START TO GET COLLECTION CALLS AND STATEMENTS SHOWING I HAD TO PAY AGAIN AS IF MY MONEY I PAID HAD COMPLETELY DISAPPEARED. I TRIED TO DISPUTE THIS WITH COMENITY BANK. I HAD TO INVOLVE THE ATTORNEYS OFFICE WHERE THE CHECK WAS FROM. WE ALSO INVOLVED THE BRANCH MANAGER FROM XXXX XXXX. THAT BANK IS THE BANK THAT XXXX XXXX XXXX USES. THEY SENT CERTIFIED LETTERS WITH THE BANK STATEMENTS, COPIES OF THE CASHED CHECK. IT WAS VERY OBVIOUS THAT THERE WAS A PROBLEM. AS YOU SEE ON THE BANK STATEMENT, THE CHECK WAS PAID ON XX/XX/19. THEN ON XX/XX/19 THE CHECK WAS ATTEMPTED TO BE PAID AGAIN WHICH WAS FLAGGED. ON XX/XX/19 THE RETURN CAME THROUGH TO WASH OUT THE SECOND ATTEMPT BUT THE ORIGINAL PAYMENT XX/XX/19 WAS PAID. XXXX XXXX AFTER TRACING BACK THE CHECK WITH SECURITY FOUND IT ODD THAT XXXX  WOULD HAVE TWO BANK ACCOUNTS. ONE WITH XXXX XXXX  AND THE OTHER WITH XXXX XXXX  XXXX. IT WAS STARTING TO SHOW THAT SOMEONE DOING THE BANKING EITHER MADE A MISTAKE OR DID STEAL THE CHECK. XXXX DOES NOT USE XXXX XXXX. THEY ONLY USE XXXX   XXXX XXXX. THE CHECK WAS PAID TO THE XXXX XXXX ACCOUNT. 
I WAS ABLE TO GET THE BANK ROUTING NUMBERS FROM BOTH BANKS WHERE THE CHECK WAS PAID OUT TO AND WAS ATTEMPTED TO BE PAID OUT TO. 
WE SPENT HOURS, DAYS AND MONTHS TRYING TO RESOLVE THIS. I AM ABSOLUTELY JUST FRUSTRATED. COMENITY WILL NO LONGER HELP ME. THEY HAVE NOW SENT ME TO COLLECTIONS. I NOW HAVE XXXX   INVOLVED BECAUSE APPERANTLY WHO EVER DOES THE DEPOSITS AS YOU CAN SEE IN THE EMAILS, HAS DONE SOMETHING WITH THE MONEY WHICH IS STILL UNDER INVESTIGATION. POSSIBILITY FRAUD BUT NOT SURE. ALL I KNOW IS I PAID THE BILL OFF. I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT PLEASE. 
THANK YOU. 

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

On XX/XX/2022 I made an electronic transfer via Paypal to the wrong contact in my address book. The amount was for {$510.00}. As soon as I realized the mistake I followed the actions posted on PayPal 's website to resolve the accidental payment. I attempted to message the individual and to formally request a refund using Paypal 's platform. I also submitted a ticket for a resolution with their Help Desk. 
On XX/XX/2022 Paypal responded with a Case Closed response stating that the transaction wasn't eligible for PayPal Protection, however that Protection is afforded only to items sold on their website, it is not to be used as a Protection effort against accidental or unauthorized transactions. Therefore, PayPal should have further investigated the complaint, taking more time and a different approach to the error. At no time did I state there were items in dispute, but the overall transfer. 

The transfer was a mere mistake. Paypal should have within their power to retract a transaction that was sent in error, without negative consequences to the consumer. I feel Paypal is not taking proper, fair steps in recovering my funds. 

I find it unreasonable and criminal on the part of Paypal, allowing such an easy fix to slide to the side and be denied. I have been a loyal consumer for the financial institution with no negative instances in the past and feel this, also, should be taking into consideration regarding my claim.
Product: Credit reporting or other personal consumer reports

I have reached out to CapitolOne on several occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Specifically, I am contesting the notation of past due balance and the associated notes that indicate delinquency. I have reached out and they have refused to make amendments that remove this balance as past due and only list this accounts charge off under current balance and add any other notes that show on time or current status. 

After reviewing my credit report, I have found that the information being reported is inaccurate and does not reflect the true status of the account. I have made every effort to resolve this matter in good faith, but I am deeply concerned that Capitol One has failed to report this account fairly and in compliance with the Fair Credit Reporting Act ( FCRA ). 

This inaccurate reporting is negatively impacting my credit score and my ability to secure credit, housing, and other financial opportunities. Additionally, their failure to investigate and correct the disputed information is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL 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 relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX & XXXX XXXX XXXX Account Number : XXXX
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. 
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 XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX , Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX , Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account name : 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 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

Since XXXX of this year, I've been sending update letters to XXXX, Experian, and XXXX   to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 


XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX   XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX   XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX
Product: Mortgage

Since XX/XX/XXXX, this company, American Financial Network ( AFN ), has failed to post my mortgage payment on time, which cost me in daily interest. They also have tried to post late payment fees on many occasions when they posted the payment after the XXXX of the month, but did retract when I called. I pay this mortgage automatically through my banks payment service st the beginning of the month, and havent had a problem since AFN refinanced my mortgage in XXXX, until a year ago when they suddenly cant seem to get it right. I believe this is when they had a major shift in AFN operations. When I call, Im clearly getting a XXXX  office who have no idea how to resolve but also can not connect me with someone who can. The local provider that managed the refinance is no longer in business.
Product: Credit card or prepaid card

XXXX, I 've maintained this Chase credit card account ( ending XXXX ) for over 15 years, although I did n't use it very often. I was offered a Promo ( teaser ) Balance Transfer offer, which I took advantage of. Coincidentally, shortly thereafter, due to lack of use, I was informed that the account was going to be closed - which it subsequently was. None-the-less, I had borrowed the money and was in the repayment stage. Here 's the problem : According to the Cardmember Agreement which I 've had on file since XXXX, I was obligated to pay principal of at least 2 % monthly ( plus interest, if any ). For repayment of this loan the bank was charging me a 5 % monthly. I called and spoke with a supervisor, who directed me online ( while we spoke on the phone ) to a more recent Cardmember Agreement. That agreement stated that I owed 1 % plus interest ( 2 % is reasonable and what I believe I ought to pay each month ). He told me that he nor anyone could change the 5 % requirement. During the conversation the supervisor said he 'd send me a copy of the agreement. I told him that was unnecessary since I downloaded it from the website he directed me to. He sent it anyway. Just received, the newest agreement XXXX computer generated and tailored to my account specifically XXXX states that I owe a minimum of 5 % monthly, plus interest. It disgusts me when a bank creates the rules as they go. Since my account is closed, my belief is that they want repayment as quickly as possible and terms-on-the-fly work for them. Further, they maintain a threat of sorts, in that they can adversely affect my XXXXredit score if I do n't pay the minimum they demand. Please fix this problem for me and others. THANK YOU, XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXX : XXXX XXXX Dear XXXX XXXX, I am writing in response to your letter dated XX/XX/2024, regarding my dispute of the alleged debt of {$660.00}, which you are attempting to collect. This letter follows my previous correspondence dated XX/XX/2024, where I disputed the debt and requested verification in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested a copy of the signed contract associated with this debt, as well as a cease-and-desist from all collection activities, including reporting this matter to credit reporting agencies. 

Your response does not satisfy my request, and I believe you are in violation of the FDCPA. Let me address the issues in detail : Failure to Provide Verification You have failed to provide the proper verification of the alleged debt. In my initial request, I asked for a signed contract or agreement to substantiate the debt. Instead, you mailed me copies of monthly statements, which are not legally sufficient as they do not represent an agreement or contract between the parties involved. Under the FDCPA, it is an unfair and unconscionable practice to attempt to collect a debt that is not supported by a valid, signed agreement. 

Failure to Cease Collection Activity In addition, you have failed to comply with my request to cease and desist all collection activity, including the reporting of the alleged debt to consumer credit agencies. Reporting an allegedly disputed debt without proper verification and in violation of my rights is a deceptive and misleading practice under the FDCPA. Your continued reporting of this debt to credit bureaus, despite my dispute, constitutes a violation of the law. 

Furthermore, I am concerned that my personal information has been shared without my consent. This constitutes an additional violation of my rights under the FDCPA and applicable privacy laws. 

To summarize, I am requesting the following : Immediate cessation of all collection activity, including any further reporting of the alleged debt to any consumer credit reporting agency. 
Proper verification of the alleged debt, specifically a copy of the signed contract, as initially requested. 
Deletion of any and all credit reports related to this alleged debt. 
Failure to resolve these matters promptly will leave me no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your attention to this matter. I expect your prompt and thorough response to my request. 

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

Dear CFPB I am writing this letter to compliment the wire transfer fees problems with Bank of America. 

I just received a money wire incoming transfer from XXXX. 

When my sister sent the money, she already paid XXXX USD and plus transaction fees. 

But i only received XXXX USD XXXX dollars wire fees, l called Bank of America this morning and asked who changed XXXX dollars, they said another side of the bank, but l checked details which from my sister she paid extra fees not including this XXXX USD dollars. 

I think Bank of America charged XXXX dollars fees, and they don't admit it. I want they refound the fees. 

Looking forward Sincerely XXXX
Product: Bank account or service

On XX/XX/XXXX, I placed a fraud alert on with XXXX and obtained a credit report. I discovered that several entities that I do not have accounts with obtained my person information and conducted unauthorized credit inquiries with the credit reporting agency XXXX. Discover Financial Services conducted unauthorized inquiries on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. I sent a letter to Experian on XX/XX/2024 and asked them to investigate this but they still haven't fixed this problem. Can you investigate this matter. I also attached evidence According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer