23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am having an issue with getting my Apr lowered for my capital one and XXXX card us
Product: Checking or savings account

On XX/XX/2023, l made a mobile deposit for {$2500.00} on my Truist mobile app. The next day I was informed by email that a administrative hold was put on my deposit and the funds would not be available until XX/XX/XXXX. The reason for the hold was the bank didnt think the funds were available. The check I deposited was written on a local bank and was paid by the other bank on that very day ( XX/XX/XXXX ). I got on my banking app and contacted the bank that day and asked about this hold. I was told it couldnt be lifted until the hold ran out. I informed the bank that I needed my funds to pay some bills that were due. The woman I was talking to said there was nothing she could do and apologized. I told her the check had cleared so there was no reason to hold the deposit. She told me she would file a complaint for me but that was all she could do. As of today, I still am not able to access my money and I do have bills that are passed due and I need some of my prescriptions filled ; but since I am unable to access my funds, I have no way to do this. Basically, the bank is holding my money hostage for my own good according to the woman I spoke to on the banks website. I feel that they have overstepped their authority when they think they know whats best for me and my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$8100.00}, Creditor : XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$7500.00}, Creditor : XXXX  XXXX XXXX Apartments has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$1000.00}, Creditor : 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

On XXXX XXXX, XXXX, CKS PRIME INVESTMENTS add a derogatory mark on my credit report per XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, CKS PRIME INVESTMENTS add a derogatory mark on my credit report per XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX2024, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response form from TransUnion that was issued by them on XX/XX/year>2024 stating that they received my dispute letter but they would not process it because they are assuming it is from a 3rd party. I'm not sure where they think that as I am just trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its actual job and conduct a proper investigation on the accounts I am trying to dispute.
Product: Credit reporting

This item was originally disputed with XXXX XXXX mortgage company, who has completed their investigation and confirmed that they have NOT reported my being delinquent to Equifax Credit Bureau. I spoke with XXXX XXXX XXXX at XXXX department, XXXX x XXXX and he stated that they have NOT reported any delinquency to Equifax for XX/XX/2013. I am attaching a copy of the results of the investigation with XXXX XXXX, and XXXX XXXX said that Equifax in improperly reporting inaccurate delinquencies. I have circled the XXXX items that need to be removed from my credit file by Equifax.
Product: Money transfer, virtual currency, or money service

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

I have filed a FTC complaint against TSI for misrepresentation I have requested proper legal documentation from TRANS WORLD SYSTEM #  XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT. 
This is a fraudulent attempt to collect a debt that is being misrepresented on a unverified account with no verifiable account numbers, no date of late activities and several other FDCPA violations
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information under FCRA Request for Deletion To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the accounts listed below are inaccurate or unverifiable and are causing harm to my credit profile. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, credit reporting agencies are required to maintain accurate and verifiable records. I am requesting a thorough investigation into the accuracy of these accounts. If the information can not be verified, I kindly request that the accounts be deleted from my credit file in accordance with the FCRA. 

Additionally, under 15 U.S.C. 1681o, a credit reporting agency may be held liable for negligence if it fails to uphold its duty to report accurate information. I trust that your agency will handle this matter with the utmost attention to avoid further complications. 

I have included copies of my identification, proof of address, and any relevant supporting documents to assist with your investigation. Please conduct your review and provide me with written confirmation of the results of your investigation. 

If these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report. Please respond within 30 days as required under the FCRA.
Product: Checking or savings account

For auto loan customers, illegal practices include prepaid gap coverage that wasnt refunded when loans were paid off early, incorrectly applied payments that led to higher interest charges and fees, and unwarranted auto repossessions. 
For mortgage loan borrowers, damages might be owed for wrongful foreclosures, incorrectly charged fees and wrongful loan modifications that would have otherwise prevented foreclosure. 
For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.
Product: Checking or savings account

Good Morning, Yesterday, XXXX, I attempted to link my TD Debit Card with my new XXXX XXXX  account, and I couldn't. Apparently, it seems that my debit does not match the name TD Bank has me banking with. In other words, my debit card does not post transactions in account # : XXXX. And it should be. My card should NOT. reflect XXXX XXXX XXXX, and a different name on the back ( in their system ) ; let alone in a CLOSED account. 

This seems to be the reason why I still have not seen or received {$67.00} from the incident CFPB reference # : XXXX dated on XXXX. 

So, please tell the bank they need to ensure my Debit Card chip needs to be tied to the account that reflects my name in their system ; not XXXX 's name, XXXX, XXXX, XXXX, or anyone elses ' name.
Product: Credit card or prepaid card

Had an Apple Mastercard through this company which I paid off and closed numerous months ago. However; on XX/XX/2022 a merchant was able to process a refund to card ending in XXXX for {$740.00} ( proof attached ). The business knows it is a closed account. The business has the refunded money. The business owes me a refund! The business needs to immediately issue me the amount in a refund check!
Product: Checking or savings account

I was incorrectly charged overdraft fees on my wells fargo account.
Product: Debt collection

On XX/XX/2018, I received a letter from XXXX XXXX stating that I owed a debt from XXXX XXXX in the amount of { {$640.00} }.  XXXX XXXX agrees to settle the debt on XXXX XXXX behalf for {$540.00} in three payments on the following dates XX/XX/2018,XX/XX/2018XX/XX/2018. On XX/XX/2018, I completed the debt as agreed. XXXX XXXX stated they would contact all three credit bureau to update my credit and they would send a letter/notification to XXXX XXXX that the debt has been settled. I call XXXX XXXX to follow-up informing them it has been more than 30 days since this debt has been paid, and they have not sent the correct information to XXXX XXXX nor have they updated the three credit bureaus. XXXX XXXX is clearly in violation of the law by reporting incorrect information to the credit bureau. This debt should not be collectible, as I have completed the agreement of the settlement. I have called XXXX XXXX numerous times speaking with supervisors who have stated they would send a letter to XXXX XXXX, myself and also update the three credit bureaus, which they have fail to do. This company continues to hold my credit hostage and to violate the law.
Product: Student loan

Payments have been made automatically for years without issue. 
Suddenly, now, the last payment they showing received is from XXXX 2017 putting my accounts 2 months behind. 
I have received many many calls and emails over the last year telling me my account was behind. 
Over the last year I have contacted the company 5 or 6 times. Each time I got a different story, ranging from " my account was confused with another person 's account of the same name '' to " because my bank sends the checks there is a delay with payment '' to " there is the wrong account number on my checks '' At this point my account shows that I am two months behind. I have sent the payments, and sent in proof of payments as well. 
When I contact the company ( or when my cosigner contacts the company ) they say that the payments are there, but just " have n't yet '' been applied to my account. 
This has gone on for weeks. I have been now contacted multiple times by a collections agency by phone and by mail. 
I am concerned it will start affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to transunion60 days ago. I have not received as response yet and seems as if my disputes being ignored
Product: Debt collection

FirstSource is harassing me by phone and by mail with a debt that is not mine.
Product: Student loan

Regarding my previous complaints. I followed up with my banks and none of them reported an " insufficient funds '' I believe due to a software error on Aidvantage 's behalf may have caused the transaction to fail with insufficient funds
Product: Student loan

Nelnet student loan services did not properly inform consumers regarding placing commercial student loans into forbearance during the COVID-19 pandemic. Nelnet representative stated while federal student loans were automatically placed in forbearance consumers would have to call Nelnet and request to have commercial loans placed in forbearance. Consumers would find out about commercial loan forbearance only if a call was placed to Nelnet by the consumer. My commercial loans were placed in forbearance and is still reporting more than 120 days late. I have tried numerous times speaking with Nelnet representatives to have the late inquiries brought current on my credit report as my federal student loans have been without success no assistance regarding what needs to be done to expedite the process. I spoke with XXXX in the solutions department who states he will file a consumer complaint on my behalf regarding my concerns. This representative was not informative nor helpful.
Product: Debt collection

This company contacts me daily and is starting to harass known associates as well. When I ask what this is in regards to they just tell me a dollar amount that I " owe them '' and says they will sue me. The reps I have spoken to have been very rude and unprofessional. There is nothing on my credit report and I have no outstanding debts, and yet this unlicensed " collection agency '' keeps harassing me and incorrectly quoting the FDCPA.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made a payment to Fortiva Credit Card amounting {$690.00}. My due date for the month of XXXX was XX/XX/XXXX. 

Although my payment was made before the due date for XXXX, Fortiva has reported my account late for the month of XXXX. 

I have included Statements from Fortiva that reflect both the due date, as well as the payment made. 

My XXXX statement indicates a payment due date of XX/XX/XXXX, My XXXX statement indicates a payment made on XX/XX/XXXX, Using their match pay program and closing the account with a {$0.00} balance
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts i have with fedloan servicing and the accounts show late payments on my credit report. I had talked to the Fedloan Servicing employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.
Product: Credit card or prepaid card

Capitol one recently started allowing the transfer of their reward points to airline frequent flyer programs. Their points are valued by capital one at XXXX cent per point. I currently have XXXX points and change. Capital one sent me an email advising me of a unique opportunity to transfer to emirates airlines. Checking that they had a flight available for my dates, I initiated a transfer of XXXX miles. a day later I discovered that capital one reversed my transfer and restricted my online access. I was informed I needed to send the following pieces of information : Drivers license, SS card, Utility bill and Frequent flyer account screenshot. All of which was done immediately. Multiple representatives informed me of a XXXX - XXXXXXXX XXXX  resolution time to verify my identity and restore access. This was as of XX/XX/XXXX. It is now XX/XX/08 and I still don't have any resolution. Capital one keeps on informing me that they're reliant on a third party vendor to verify documents and until then they can't get the back end team to lift the restrictions. I can not use my credit card for any purchases in the meantime, nor can i manage my account online. Capital one has informed me that this may take as long as 4 months. I am flabbergasted that I can be subjected to such apparent abuse by a financial company who clearly is looking to get customers to forfeit their points rather than have customers redeem it.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024i permanently opted out of promotional credit screening with the three credit bureau ( TransUnion, XXXX and XXXX and all three credit bureaus are still doing soft inquiries into my credit without my permission after I opted out. 
XXXX XXXX I opted out from them a year ago and they are doing up to XXXX credit check per month. 

I called today and all three credit bureau their representative stated it says I am opt out. I asked them then why are the credit bureaus still checking my credits. TransUnion is also doing soft check on my credit. 


Why arent these companies not following the guidelines set by CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to TransUnion and XXXX disputing the following inquiries on my credit report : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite including a copy of my Social Security Card, my State ID, and my signature on the letters, TransUnion still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from TransUnion past that point. It has been well over 30 days. 

On the same date, I mailed the same letter to XXXX with the incorrect inquiries they had listed. XXXX NEVER responded regarding the inquiries.
Product: Debt collection

TRANSWORLD SYSTEM is the debt collector name for XXXX XXXX for a total of XXXX I use to live at XXXX XXXX and a new company purchased it as I was ending my lease during the process of me ending my lease a large amount popped up on my account I went to the main office and they corrected it for me before I moved out I made sure that I owed a balance of XXXX dollars I paid everything that needed to be paid and turned in keys once I moved out I guess the new company came in I dont know how things that screwed but I checked my credit report and I see that I owe I did go back to XXXX  XXXX for them to correct the mistake but the management and the people that was there during my time was gone and the new management and the new workers were in so no one was able to fix it
Product: Credit reporting or other personal consumer reports

I HAVE A COUPLE OF HARD INQUIRIES ON MY CREDIT REPPRT THAT I DID NOT AUTHORIZE I DID NOT GIVE PERMISSION FOR MY CREDIT TO BE RAN AND I WOULD LIKE THEM TO BE DELETED IMMEDIATLEY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX who has directed me to Equifax and XXXX. Equifax and XXXX who keeps directing me back to XXXX I am an authorized user on this account and it use to show on my Equifax and XXXX but it seems they have removed the trade line in correctly. I need it to put back on my Equifax report and XXXX. I am getting no where with anyone. Below is the beginning of the account number. XXXX
Product: Credit reporting or other personal consumer reports

I recently became aware of the CFPBs lawsuit against XXXX and believe I was similarly negatively affected by TransUnion. My ability to obtain credit was harmed after receiving a response to my earlier dispute stating that the accounts in question had been verified. However, no details regarding your investigation were provided to support this conclusion. 

If compliance with regulatory standards is a priority, I strongly urge you to either provide the necessary evidence substantiating your findings or promptly remove the disputed accounts. 

I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to rectify these errors. I have noticed that much like the issues highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, my disputes have not been adequately investigated or resolved. 

Specifically, I have repeatedly disputed the accuracy of the disputed item continues to be reported inaccurately. Each time, I receive a response indicating that the information has been " verified '' by the furnisher, yet no substantial proof or explanation is provided to support this verification. 

The CFPB has outlined in their lawsuit against XXXX that such practices violate the Fair Credit Reporting Act ( FCRA ), which mandates proper investigation of disputes and accurate reporting. XXXX, as noted by the CFPB, failed to conduct meaningful investigations, leading to the reinsertion of erroneous information into consumer credit reports. I believe my situation mirrors these allegations, where my concerns have been dismissed without thorough review or fair investigation.