23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to file a complaint against TransUnion regarding the illegal reporting of collections on my credit report. The collections that TransUnion has reported are inaccurate, outdated, and can not be verified. As a result, I have been denied credit and other opportunities. 

The accounts that are illegally being reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 604, which requires credit reporting agencies ( CRAs ) to provide consumers with a copy of their credit report upon request. It also requires CRAs to disclose to consumers the sources of the information in their credit reports.

Section 609, which requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. The notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score. 
Section 611, which requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. It also requires CRAs to reinvestigate disputes if the consumer provides new information. 
Section 615, which requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. It also sets out the conditions under which CRAs may furnish credit reports to third parties.

Section 623, which includes subsections ( a ) ( 1 ), ( a ) ( 2 ), ( b ), and ( c ). These subsections require CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports, require furnishers of credit information to provide complete and accurate information to CRAs, require CRAs to reinvestigate consumer disputes if the consumer provides new information, and require CRAs to delete information that is outdated, incorrect, or can not be verified. 
I have attempted to dispute the inaccurate collections with TransUnion, but my disputes have been either ignored or rejected without proper investigation. TransUnion 's failure to comply with the FCRA has caused me financial harm and has damaged my credit score. 

I am requesting that TransUnion immediately remove the inaccurate collections from my credit report and take all necessary steps to ensure that they are not reported again in the future. Additionally, I am requesting that TransUnion provide me with a free copy of my updated credit report. 

If TransUnion fails to comply with this request, I will be forced to consider legal action to seek damages, as well as attorneys ' fees and costs, for their violation of the FCRA. I may also file a complaint with the Federal Trade Commission ( FTC ) and other relevant regulatory agencies. 

Furthermore, these accounts have been removed from the other two CRA 's, yet Transunion keeps reporting them illegally. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX with Bank of America Credit department reduced my credit card limit by {$15000.00}. I have had the card for 15 years and never had one missed payment up to that date. The reduction of credit was done as a result of me asking to have a lower interest rate and having won an arbitration against Bank of America in the past. Clearly retaliation on two fronts. The retaliation has caused me financial harm by causing my credit to be lowered and caused me liquidity and cash flow issues. 
Bank of America took a bailout from the U.S. taxpayer and now rips off the American taxpayer with predatory credit card interest rates and retaliates against employees and former employees. Clearly the government bailout of Bank of America led to the retaining of corrupt management which abuses the American general public.
Product: Checking or savings account

XX/XX/year> I had an appointment to have my name changed and Bank of America called me. My name has changed from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Basically dropping my old married name and assuming my middle name as my last. 

They said I had to have all account owners physically present in person at the bank to update my legal name. This is a sexist policy as this would not impact a man and could impede access to my accounts. One is my ex husband and another my son who lives in XXXX XXXX XXXX This is a ridiculous and XXXX policy. 

I have a court order with the name change, all government agencies have updated my name and all other credit cards and banks. Including those that I have joint accounts with as well. My social security number did not change and there is a legal trail of all my names. 

This change is legal with all government agencies and should not require a sign off by any other person aside myself. This makes absolutely no sense and I ask that my name be changed with legal documents provided and this policy be changed to reflect the times. This is a XXXX policy and should be removed.
Product: Student loan

I was inappropriately charged interest on my account while in administrative forbearance. When I initially started in the save plan with Aidvantage on XX/XX/XXXX I had total interest of XXXX. by XX/XX/XXXX I was up to XXXX of interest which was likely miscalculated given the total interest starting from XX/XX/XXXX set at interest rate of XXXX XXXX would have been around XXXX. During administrative forbearance from XXXX until XXXX I was charged another XXXX XXXX in interest. My total interest on XX/XX/XXXX was XXXX. Then on XX/XX/XXXX was XXXX.
Product: Mortgage

XX/XX/XXXX, I was struck by an uninsured motorist. I contracted XXXX in the hospital. The company I worked for filled my position after I was out under doctors care for XXXX weeks. After losing my income, CMG Financial offered a forbearance and told me about the XXXX XXXX XXXX program. I was desperate to save my home so I accepted the forbearance even though I didnt understand what it was or how it worked. I went back to work XX/XX/XXXX. XXXX XXXX XXXX denied me because I earn too much. According to my XXXX I earned $ XXXX in XXXX. In received a statement from CMG advising as of XX/XX/XXXX, I owe XXXX. I called to get advise. They advised I would receive a packet in XXXX days that provided options. He added not to worry because I have XXXX  days to complete and return the packet. I called today because I have not received the packet. I was totally disrespected by the customer service agent that continued to speak over me when I tried to get clarity. At the end of the conversation, I advised, Im glad I recorded the call. I just want to get back on track to save my home. I need to know what my options are.
Product: Credit card or prepaid card

I made a call on XXXX to request a goodwill adjustment to my credit report for two late payments due to XXXX  related issues only to have the Capital One tell me over the phone that Capital One has never allowed something like that. Unfortunately, this is a bold face lie as the company has worked with thousands of customers to make goodwill adjustments on payment related issues. Additionally, I have sent multiple letters such as the one attached to which I have received zero responses to.
Product: Mortgage

After reviewing my Home Equity Account that I have had with SunTrust for over ten years, I requested an audit. I have been making additional principal payments and these payments have not always been applied properly. According to my review, SunTrust has adjusted payments, and applied interest to those payments. Those payments should have been applied as principal only. According to my records, my current balance does not reflect all the principal that should have been applied to the account. 
I have called the Home Equity Department at SunTrust starting on XXXX XXXX, XXXX and have received the worst customer service responses to my request for an audit. I have made over seven calls to the department in less than 30 days. Each time being told it would two days to review, each time when I called back for a response to my inquiry, I was being asked the same question over again. " Why do I want an audit done ''. Each time not being given any additional information to my request ( which should have been completed in two days ). Each time being informed that they needed specific examples/additional information to why I am requesting an audit -- before they can do an audit. The customer service representatives were courteous. Unfortunately, the department 's responses were ineffective When I provided just one specific example/information -- - A payment of {$950.00} should have been applied as principal only but interest was taken out. When I call back on XXXX XXXX, for a resolution to this one example, I was advised by the representative that the back office advised that it went back too far, and that they made the adjustment in XXXX. I advised that no adjustment was made in XXXX, XXXX. The representative agreed that she did not see any adjustment either. 
I have been paying more than the minimum payment for more than three years -- and it is not acceptable that these payments were not applied correctly and in accordance to banking laws and regulations. 
After attempting to work with SunTrust, I am formally writing to request an audit of my entire account. 
Sincerely, XXXX XXXX
Product: Money transfers

Our customer transferred by wire On XX/XX/2016 to a Wells Fargo account with the beneficiary of our company. This was a fraudulent account and we do not have an account with Wells Fargo. We believe the account used to receive and launder the funds was one that was set up by their employees which is related to the accounts that were opened up without proper authorization or documentation. Wells Fargo clearly did not exercise any caution given the problems they have with the unauthorized accounts. At the minimum they should have a matching program that would verify account holder name and number matched and that the account holder has been verified when handling wire transfers.
Product: Vehicle loan or lease

credit acceptance sent me on XX/XX/XXXX a copy of " original contract '' i reviewed documents and their are discrepancies. this is not the original contract that was signed. The spelling of the last name on XXXX copy of contract for XXXX XXXX is spelled XXXX, which he never signed nor agree to misspelling of the name. Also on payment history information on XX/XX/2019 it states finance charge rebate of XXXX which was looks like applied to balance XXXX which was not relayed to us during insurance settlement. or never refunded to us. i requested ORGINAL CONTRACT. never received it. this account is showing open because this company is fraudulently trying to get interest and finance charges on a vehicle that was total loss and also was only valued at XXXX the copy of the contract they sent is not the original signed contract. this company is blatantly committing fraud by overcharging consumers with not so perfect credit and also XXXX XXXX in low proverty areas to get them into these loans without being able to get out of a falsified contract. i want the original contract that was signed. i want all the documents showing proof of income, proof of id and licenses, proof of insurance documents that was submitted at the time of purchase and any other signed documents submitted by me and XXXX XXXX and what the salesperson put in the contract. this contract is legal binding any falsified information will be submitted to my attorney for lawsuit
Product: Credit card or prepaid card

We charged some travel arrangements on XXXX XXXX and XXXX of 2019 using our Citibank Visa card. I became ill and was hospitalized starting XXXX XXXX and was released from the hospital XXXX XXXX with a home nurse and medical assistance. We thought we might be able to recover in time for the trip in XXXX but in XXXX my doctor said it would not be advisable so XX/XX/XXXX we called to cancel. At That time the coronavirus was just starting to cause problems. We spoke with the travel company, XXXX XXXX XXXX and they told us that because of the virus they will give us a refund. The Air tickets and hotels were to be covered by our travel insurance. We contacted Citibank and asked to dispute the charges as did our travel companions on their XXXX XXXX charge. Citibank came back saying that the XXXX company and air had a policy to not give refunds. Our companions got a full refund through XXXX. I have emails from the travel company saying that they will give a refund. Can XXXX XXXX be smarter or Citibank just not caring about us as customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Equifax any written consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S. Code 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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
Product: Debt collection

I have already lodged a complaint but apparently i did n't word this correctly. According to the law Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money. I watch my credit and everything owed very very well. I have management services and monitor my credit weekly as my soft inquiries will show you. I was NEVER contacted about this debt until it was reported on my credit. At that time, i disputed because some other Medical Bills happened to come thru as well that i started a payment plan on with the same Medical Facility. Once the dispute came thru i received my first piece of mail from this company. They obviously had my address, and when i called to have them correct the issue properly they knew who i was by my telephone number. This is " parking '' debt and its not fair to the consumer which the cfpb seems to hold strong ground on. Again, as stated before. I know this is my debt and i know its something my insurance should have paid. I will in righting here agree to settle, start a payment plan until the insurance pays what they should, but thats only when this company does this correctly. The day they remove this from my report and do this legally is the day you we start a payment plan to settle this. Parking a debt is illegal and damaging to the consumer. This is my last attempt before retaining my council.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : BankruptcyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 on those accounts 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting 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 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 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

Account was paid in full ; however, Enhanced Recovery/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.
Product: Credit reporting, credit repair services, or other personal consumer reports

an error was made on my computer to send my mortgage payment of {$2000.00} to 2001. I was ill and my husband was helping out. this went on for 2 months. no one sent out a letter or called. on the third month I got a call from CALIber stating I was 2 months late on my mortgage with penalties and going into collection of some sort. I argued with them that I know I am over playing to begin with and my mortgage was always paid for even missin {$140.00} I complied and sent in what they asked for and my credit was crushed and the fact that I knew there was more than enough $ in their account. then in XX/XX/XXXX I get a check for XXXX overpayment. I called again to get them to correct this and they would not help me. we have never been late for a payment of any sort in our 40 years married. T0 be treated like we did not know what we are doing and they were right with no appolgy.
Product: Debt collection

On XX/XX/2020 I received a bill from Choice Recovery , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX claiming that i had a past due debt of {$75.00} from XXXX XXXX XXXX. I called Dr XXXX to ask him about the alleged debt because I had never received a bill from him and there was no record of XXXX or XXXX processing any claim for services rendered. He referred me to his billing person who confirmed that I did not owe them any money. He also said that the doctor did not have a relationship with Choice Recovery , Inc . I wrote a letter to Choice Recovery on XX/XX/2020 disputing the bill under the Fair Debt Collection Practices Act. On XX/XX/2020 I received three letters from Choice Recovery claiming falsely that they had verified my debt with the doctor. I again called the doctor 's billing department who told me that this was false, that they had no relationship with Choice Recovery. So the second attempt to collect this debt can only be a scam in my opinion.
Product: Credit reporting

I have made several requests for Trans Union to verify with whom they received information regarding an item posted in my credit file which I have informed them is not mine. I forwarded a copy of the letter to the creditor to verify the debt as mine and they could not. But, I want to know with whom the credit bureau spoke with to allow them to keep " verify, no change '' report in my credit file. The debt is not mine nor could the creditor properly verify the debt as mine.