23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Almost a year or XXXX ago when XXXX merged with PNC, they've implemented " MONTHLY SERVICE CHARGE VR '' fees for {$7.00}. I rarely have money. On XX/XX/2023, I had {$0.00} because I don't work and have been going to school, but couldn't as my family and I are poor and can't afford to do most things. They charged me on that day, reduced me to - {$6.00} and sent me an alert on Monday that I had low cash and that " If you don't bring your account balance to at least {$0.00} by XXXX p.m. ET on XX/XX/2023, your account will be charged an overdraft fee ( XXXX ). '' I've talked to them in person and on the phone before and they said it's part of the policy, that if you are under {$500.00}, you will be charged monthly for {$7.00} and there's nothing they can do about it. I'm lucky I was able to ask somebody for a quick cashapp because I wouldn't know what else to do. This is ridiculous as XXXX never had that. PNC charges on that and would have Overdrafted me if someone didn't intervene for me and send me money as an emergency. It doesn't make sense to take money when there is no money. I've had to do this twice and it's annoying. Whomever implemented this at PNC is preying on people.
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$28000.00}
Product: Credit card or prepaid card

I rented a car from XXXX  on a monthly subscription. 

As per the terms I was able to cancel the monthly subscription at anytime by returning the car before the new 30 days started ( see attached ) I started the rental the XX/XX/2022 ( see attached ) and the car war returned XX/XX/2022 ( see attached ). 

After returning the vehicle. XXXX CHARGED ME FOR AN EXTRA MONTH on XX/XX/XXXX after the vehicle was returned. 

I disputed the Charge with Amex for the {$1500.00} charged on XX/XX/XXXX Dispute reference number is XXXX I'm my dispute a clearly provided evidence that I had the right to cancel the upcoming month charge by returning the vehicle before every 30 days. 
I provided evidence that the rental started on XX/XX/XXXX. And returned XX/XX/XXXX XXXX charged me for an extra month even though the car was returned saying I did not return it on time. It's clearly false black and white. Everything I backed up with clear documents I provided a doc that states the cancelation policy. I provided a doc that stated when I the rental started. I provided a doc of return confirmation. This is black and white if only someone in the dispute department will be willing to look on it. Not just assign blind codes The merchant was only able to provide a invoice that states i was charged the for XX/XX/XXXX day. In no way did they answer up to my claim that the car was returned on the XXXX which shows on that same statement that they themselves provided to Amex! 

Amex is not investigating anything. As long as the merchant responds no looks even on the document they provided. If they respond they win.
Product: Debt collection

This letter serves as formal notice of my intent to take legal action against your company for violations of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), and aggravated identity theft ( 18 U.S.C. 1028A ). 

Your company is attempting to collect on a debt for which you have no legal ownership or collection rights. The debt in question was sold to XXXX XXXX and subsequently paid in full after charge-off. Despite this, you have engaged in unlawful collection practices and reported false information to credit reporting agencies, violating my rights under federal law. 

Specific Violations : 15 U.S.C. 6802 : Failure to comply with privacy obligations by using or disclosing personal financial information without proper authorization. 
15 U.S.C. 1681b : Unauthorized access to and use of my credit report without a permissible purpose.

18 U.S.C. 1028A : Engaging in aggravated identity theft by falsely asserting ownership of a debt and using my personal information to pursue unauthorized collection activities. 
Harm Caused : Damage to my credit profile and financial reputation due to false reporting of an open balance. 
Emotional distress and financial harm caused by unlawful collection activities and the reporting of inaccurate information. 
Demands for Resolution : To resolve this matter without litigation, I demand the following : Cease and desist all collection activities related to this account immediately. 
Provide written confirmation that the account has been closed, with no further collection attempts to be made. Delete the inaccurate information from all major credit reporting agencies. Compensate me for any damages incurred due to your unlawful practices, including legal and administrative expenses. 

Legal Consequences : If I do not receive a satisfactory response within 15 business days of this letter, I will proceed with filing a lawsuit seeking : Statutory damages of up to {$1000.00} per violation under the FDCPA. 
Additional penalties for violations of 15 U.S.C. 6802 and 15 U.S.C. 1681b.

Criminal referral for aggravated identity theft under 18 U.S.C. 1028A, which carries severe penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making another report towards Experian, XXXX, and XXXX in reference to XXXX account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. This account has reported different balances which is a violation. 
I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Rectification of Incorrect Information on Credit Report Dear TransUnion Representatives , This letter serves as a formal demand for immediate rectification of erroneous information that has been repeatedly reported on my credit file. I have contacted TransUnion on numerous occasions to address this issue, yet I have encountered inconsistent responses and a lack of resolution.

Despite multiple attempts to clarify the discrepancies, I have been met with varying explanations regarding the Consumer Financial Protection Bureau ( CFPB ) reports I have purportedly filed. Your representatives have failed to provide a coherent or consistent account of the number of reports, the specific items under dispute, or the relevant dates. Each interaction has only exacerbated my concerns, with representatives providing conflicting information and, at times, falsely claiming managerial status. 

Moreover, when contacting the general customer service number and requesting a transfer to the fraud department, your representatives immediately asserted they were the fraud department, contradicting standard procedural knowledge that such calls require a transfer. This behavior is indicative of a broader issue within your organization 's handling of consumer disputes.

It is apparent that the lack of transparency and willingness to assist is undermined by TransUnion 's profit-driven motives. Such practices not only fail to uphold the standards of ethical business conduct but also violate the rights of consumers seeking to maintain accurate credit reports. 

I demand an immediate and thorough investigation into these discrepancies and a prompt correction of all inaccurate information on my credit report. Furthermore, I expect TransUnion to revise its internal practices to ensure that consumers are treated with fairness and transparency in accordance with applicable laws and regulations. 

Failure to address this matter promptly will compel me to escalate this issue to the appropriate regulatory bodies, including the CFPB and the Federal Trade Commission ( FTC ), and pursue all available legal remedies. 

I trust that TransUnion will take this matter seriously and act expeditiously to rectify the situation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a washer and dryer set from XXXX XXXX on XX/XX/XXXX. The order number was XXXX. I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the washer and dryer on XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXXto pay the {$70.00} and make sure they were coming on 08/01/2017. The manager I talked to was XXXX XXXX. He said they did not charge for that type of pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
XXXX XXXX refuses to follow their own written company warranty. This warranty is online in plain language. I will attach a copy.
Product: Debt collection

{$570.00} is the amount that XXXX XXXX XXXX says I owe. No actions on their end was taken and I have not received anything regarding this debt. The debt was placed on my credit unfairly on XX/XX/2016 as I never opened up a bank account with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Free Credit Report Online Response-XXXX  XXXX 18 -  Applied for credit from a company that used Equifax 's score of my credit to determine my credit rating. Since this score is lower that XXXX   and XXXX, I was curious to know why and wanted to exercise my right to receive a free annual copy of each report and its contents. Requested a copy of my annual credit report from all three bureaus. Received copy from XXXX  and XXXX. Equifax will not provide online report and requires you to send in a manual form. However, in addition to the form, they request you input your social security number, a copy of your pay stub, a copy of your W-2 form, drivers license, and current utility bill. All of this information being sent through the mail will put your identity at a huge risk and is unfair to the consumer. They are required to provide the report, but refuse to do it without putting the consumer at more risk of identity fraud. 

This is a breach of the law to provide consumers information. I do not want to risk putting all my personal information in the mail to have it vulnerable to identity theft. Their method of providing a report to you ( through the mail ) and requiring the consumer to put all their personally identifying information ( PII ) in the mail is wrong, is a disservice to the public and a slap in the face to the Federal Law that requires them to provide the annual report. This is a travesty and should be addressed. Thank you for hearing my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by Equifax that I was possibly affected by the breach that Equifax has going on. I enrolled in their free product trusted ID and this service give XXXX the option to lock and XXXX lock your report. I kept my report locked because as stated by Equifax I was possibly at XXXX of identity theft. I had my report locked and went to unlock it as I tried to apply for credit. Got a error message that my request failed to unlock it. Friday XXXX XXXX XXXX gets a letter from Equifax that a fraud alert had been placed on my account. I never requested any fraud alerts and no disclosure advised that by locking my report that they would take it upon themselves to place this alert. Unbeknownst to me that would notify the other bureaus informing them to place an fraud alert on my report. Such a nightmare I am experiencing. I contacted Equifax to try and figure out what was going on and the XXXX hours I spent on the phone with them and the XXXX reps I spoke with had no clue how to help me and to this day my report is still locked. No one apparently knows how to unlock it. I never received an PIN numbers for my credit to be pulled when applying for credit! All I can say is this is such a night mare.
Product: Credit card or prepaid card

I applied for a Capital One Quick Silver credit card and it was approved on XX/XX/2019. I got my card after few days in the mail and when I tried to activate it on my phone, I could not. So I called Capital One customer care and thats when I was told that my account has been flagged or restricted for activation and will be activated if I provide them with further evidence like my license, checkings or savings bank statement and a signed copy of my SSN. Thats when they emailed me a secured link and I uploaded the documents in those link and was told that the documents will be processed in 7 to 10 business days. Today when I called them back to check on them, I was told that I have to stay on the line with them till they reach out to my bank to verify my address and I was put on conference with my banks customer care and the lady on the line with me was asking me to punch in all my bank details while she is on line. So basically they are trying to access my bank account, since they could not verify my bank statement on their own. Thats when I refused to do that and questioned that lady on the line that it is her responsibility/job to verify my bank statement. She then mentioned that I agreed to the terms and conditions and this clause is one of them. Thats when I asked her where can I find the terms and conditions, she replied that I could find it online and refused to email me them. At this point I hung up the call and decided to place a complaint. 

I will explain my situation now, I found this credit card has good rewards and I went ahead, applied and got approved. When I got approved there was no mention of any further evidence required or any query for my approval, which I was not aware till I called my card 's customer care. 
Now I am cornered by them to provide with further evidence ( Which I absolutely have no problem with ), I do not have a choice of not sending them any way because a hard enquiry has already been done on the credit and it will definitely effect my credit score. 

I may not have applied for this card, if this requisition of additional documents is mentioned or addressed during the application process. 

This is clear case of misleading the customers and forcing them to provide the docs after conducting a hard enquiry on their credit. 

By the way I already have a different open credit card account with them I wish somebody could help my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record on my LexisNexis file that is not mine. I have dispute the item with them twice and they have verified the item 2 times. 

I don't understand how it is verified when the address on the public record does not belong to me and has never been associated with me. 

The items were disputed on : XX/XX/2019 XX/XX/2019 Again, this public record does NOT belong to me.
Product: Credit card

I used my Capital One Reward Miles to the tune of XXXX of them to purchase a package which included airline tickets and hotel. After waiting for several hours we were told the flight was cancelled. In conversations with Capital One they offered a flight two days later and also advised the return flight at the end of the week was also cancelled and they offered to replace that with a flight two days later as well. None of that worked so we said cancel the flights and give us our miles back. They said they could only do that if the package was cancelled and it was possible the hotel would not be available to rebook. So we left as is until after the trip. Now Capital One claims that the flights were not cancelled but only delayed within a reasonable period of time. All lies and shown to be such by their very own notes from the original calls, but they choose to stick to this story rather than honor was promised at the time, a refund of miles for airline travel. Now they put us on hold for 40 minutes at a time only to come back and give the same answer. A travesty! Especially since our business spends XXXX thousands with them monthly!
Product: Debt collection

XXXX XXXX has been known for their unjust and fraud practices when it comes to their business. They have not only misplaced my original contract with the wet signature, validating the debt ; they also violated several of my personal and consumer rights with false and deceptive sales, not disclosing my right to rescind and taking a cash payment with a finance charge. In addition, they have illegally repossessed the vehicle and harassed me for payment. Not to mention, this information is on my credit report and reported inaccurately. None of the information is correct and the same with all XXXX credit bureaus, nor is it correct This was a credit sale not an auto loan ; therefore the account type is listed incorrectly, the last reported date has different dates listed between the credit bureaus, the account status is reporting different between the bureaus, the date the account was opened is also reported different amongst the credit bureaus. This is a major violation as I was promised accuracy on my credit report under federal law.
Product: Debt collection

I can not identify this item and is requesting a legal document or contract that binds me to this item, Not that it '' s accurate but something legal which by law i have the right to request. 

Thank you,
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against all three credit bureaus for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding unauthorized inquiries on my credit report. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information, and the bureaus are required to conduct a reasonable investigation and provide verification within 30 days. However, they have failed to do so. 

I initially sent dispute letters on XX/XX/XXXX, and followed up with another set on XX/XX/XXXX. Additionally, I have made multiple phone calls requesting written proof verifying these inquiries under FCRA 609 ( 15 U.S.C. 1681g ), which mandates that consumers have the right to obtain information on file about them. Despite my repeated requests, I have not received proper documentation or any meaningful response, violating FCRA requirements. 

Their failure to investigate and provide proper documentation obstructs my rights under federal law and has left me unable to resolve unauthorized activity on my credit report. I am requesting immediate intervention to ensure compliance with the FCRA and to hold these credit bureaus accountable for their negligence. 

Thank you for your time and assistance.