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

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory entry on my credit report from Prosper Marketplace INC. I have a recent credit report from XXXX. Information I received is that the derogatory information will be removed at 7 years. This loan was done online. I never received any paper copies from them. I do not have an account number.
Product: Debt collection

This complaint involves Synchrony Bank. 
1. A/C No. XXXX -- XXXX XXXX store card. Balance as of XX/XX/2020 -- {$810.00} -- - Because of twodeaths in the family my obligations increased. Added to this is the collapse of my XXXX XXXX XXXXs. I am forced to be a XXXX XXXX  now. 
I requested breathing space. But Synchrony Bank continued calling at odd hours resulting in no peace in the family. 

2. The second obligation relates to Dentist Services financed by Synchrony Bank. 
The Account No. is XXXX -- Balance {$500.00} to {$600.00}. 
Synchrony Bank was informed that I understand my obligation but I need breathing space and time. Still Sunchrony  Bank keeps on calling at odd hours.
Product: Checking or savings account

I have an account with citibank, and I mailed a check to XXXX in the amount of {$500.00} which was cashed, but never received by XXXX. This caused problems going through tolls and I incurred fees for this. I have contacted citibank and they said that the check was cashed but they are unable to find out who cashed the check. So, basically, the bank lost my money, and is refusing to refund it or find out and prove who took it. I have submitted every single form the bank has asked for, and they are continuing to bury me in more forms. They lost my money and refuse to give it back.
Product: Checking or savings account

I transferred {$29000.00} from my XXXX XXXX  checking account on XXXX XXXX to Toyota XXXX XXXX XXXX. I have had a financial account with Toyota XXXX XXXX XXXX for several years. They received the funds and were even paying me interest on that money. On XXXX XXXX they decided to transfer those {$29000.00} funds back to my XXXX XXXX  checking account without my knowledge or permission. Those {$29000.00} funds never made it to my XXXX XXXX  account and Toyota XXXX XXXX XXXX claim that they do not have the funds. So as of XXXX XXXX the whereabouts of my {$29000.00} funds are completely unknown. Toyota XXXX XXXX Notes were the last financial institution to have my money. I believe that they violated the " Electronic Fund Transfer Act " when they supposedly attempted to move my money without instruction from the owner ( myself ). I have had several conversations with management at Toyota XXXX XXXX XXXX and they seem to have brushed me off about the entire topic of these lost funds. The trace numbers for the transaction they have provide to me make no sense to XXXX XXXX  were the funds were supposedly returned.
Product: Debt collection

A complaint was filed on XX/XX/2018 regarding the same issue ( XXXX ) and a couple of day later I received a call from this company representative telling me that she was not able to locate any accounts under my social security or name owing {$5.00} and she was going to take care of the matter for my credit report but as of today it is still showing on my credit report. 
On XX/XX/2018, I went ahead and sent MBFS a money order in the amount of {$5.00} and hoped that they will fix the credit reporting. MBFS received the money order and it was cashed but my credit reporting still show {$5.00} balance keep adding late every month. 

A copy of the money order along with Certified Mail Receipt is attached. 

How could CFPB not punish a fraud company like MBFS?
Product: Debt collection

We have an annual timeshare maintenance fee of {$1700.00} due every XX/XX/XXXX. We also have all our taxes due at the same time and the holidays in XX/XX/XXXX. One XX/XX/XXXX, I paid XXXX XXXX XXXX {$1300.00} towards the {$1700.00} in fee 's. On XX/XX/XXXX, they added the following charges to our account : XX/XX/XXXX XXXX XXXX XXXX {$16.00} XX/XX/XXXX RF  Reinstatement Fee {$50.00} XX/XX/XXXX CF Collection Fee {$180.00} On XX/XX/XXXX, when I paid the balance of {$410.00}, I noticed the {$330.00} in additional charges. The debt never became 30 days delinquent. Other than a late fee, are they legally able to charge fee 's other than a late fee if the account is less than 30 days delinquent?
Product: Credit card or prepaid card

I am a XXXX  veteran. I was the victim of a phishing scam and was told to purchase gift cards to prevent thieves from draining my bank account. I was guided to purchase {$3500.00} at XXXX 's and then drive to XXXX 's to purchase another {$3500.00} all on my Chase United Explorer credit card. This is way out of the norm for my spending and Chase never once declined my card especially between the half hour at most between the two stores that evening. They promise that they monitor 24/7 against suspicious transactions or speeding out of the ordinary. This is not a fraud case bc I was present with the EMV chip card. I explained to Chase that I take the blame for the first charge however, I went to the policenand the FBI online and realized that Chase never protected me as their customer by declining the card for the second purchase, or by at least texting me or calling to make sure it was legit. They keep telling since it was a chip card, they basically don't think anything is unusual in spending attar 's anyone. I asked them to review my records and I have never once carried a balance, never incurred a late fee, and all I was asking for was if perhaps they can help me with the charge b/c they never protected me, whereas in the recent past, chase has declined my card at a gas station b/c it was two hours away, or at a grocery store that I have not gone to. But this fateful night, they never thought {$7000.00} was worth a text alert or a hold on the card? I provided the police and FBI reports and they will not admit they did not protect me that day.
Product: Credit reporting

I am filing this complaint because Trans Union has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Vehicle loan or lease

I filed a complaint against Ally on XX/XX/2023 due to me completing a catch up plan on XX/XX/XXXX and still owing XXXX payment and not in fact being caught up. On XX/XX/XXXX, I received a response stating that they would waive the XXXX payment to make it right and report that I am caught up to the credit bureaus. I have been waiting for the XXXX payment to show waived and it has not. So now I owe for XXXX and XXXX and almost XXXX plus those late fees. I did not make the XXXX payment since it was supposed to be waived, and could not make the XXXX payment because it would go towards XXXX. Now they are talking about taking further actions when they have not followed through with what they stated they would do.
Product: Credit reporting or other personal consumer reports

I was under the influence and faced High-pressure sales tactics at a dealership. I was forced to pay a down payment. Which is illegal lets start there. Then the company violated a cease and desist order multiple times. I was contacted through third parties, us post mail and phone calls from both the company and a debit collection agency. They even left multiple voicemails and questioned me via phone calls. Further more I never received any tax documentation regarding the charge off of my account. All while violating a long list of laws and us codes such as 15 US Code 1605 Definition of a FINANCE CHARGE Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission 15 USC 6802 15 USC 6803 15 USC 6804 MCL - Section 333.16233 47 USC 223 ( a ) ( 1 ) ( c ) Harassing Telephone Calls 18 U.S. Code 1961 ; Organized Crime Control Act of 1980. ( RICO ) 15USC 1681a ( 2 ) ( A ) ( i ) Reporting Tranactions 15USC 1681b ( 3 ) ( A ) Credit Transactions 15USC 16816 Permissible Purpose 15USC 1681a Rules Of Construction Im demanding the Deletion of the account from All credit bureaus along with inquiries.
Product: Debt collection

Ive been requesting a modification since XX/XX/2017. That is when I was able to make my trial payments after my retirement went through.XXXX put through a modification in XX/XX/2017 when I had no income to pay. Currently I can make the payments.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to remove inaccurate and incomplete information from my credit report, despite my numerous attempts to dispute these errors through online, phone, and mail disputes.

Equifaxs failure to properly address these disputes and correct the inaccuracies is a clear violation of the Fair Credit Reporting Act ( FCRA ). Consumers have the right to an accurate credit report, and Equifax has repeatedly failed to comply with its legal obligations. This appears to be a systemic issue affecting many consumers, as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action against Equifax, which resulted in a {$15.00} XXXX penalty for failing to properly investigate consumer disputes ( source : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, Consumer Financial Protection Bureau, XXXX XXXX XXXX ). 

This enforcement action further supports my claim that Equifax has not fulfilled its legal obligation to conduct a reasonable reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following accounts contain inaccurate and incomplete information and must be immediately and permanently removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Remove the late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments -XXXX XXXX XXXX XXXX  Remove the late payments -DEPT OF ED XXXX XXXX Remove the late payments ; this loan was XXXX as I am a 100 % permanently and totally XXXX veteran. I had already submitted the necessary form via XXXX, and the Department of Veterans Affairs confirmed the discharge. This account should not be reporting. 
-DEPT OF ED XXXX XXXX Remove the late payments ; this loan was XXXX as I am a 100 % permanently and totally XXXX veteran. I had already submitted the necessary form via XXXX, and the Department of Veterans Affairs confirmed the discharge. This account should not be reporting.

-DEPT OF ED XXXX XXXX Remove the late payments ; this loan was XXXX as I am a 100 % permanently and totally XXXX veteran. I had already submitted the necessary form via XXXX, and the Department of Veterans Affairs confirmed the discharge. This account should not be reporting.
Product: Credit reporting or other personal consumer reports

There are three hard inquires on my credit report of account that I have not requested to open. The requests are in my name, one has my home address and not my cell phone number and the second is on my home address or my cell phone number. I have a fraud alert on my credit file. 

XXXX. Barclays Bank Delaware- request on XX/XX/2023 XXXX. XXXX XXXX request on XX/XX/2023 XXXX. XXXX XXXX, XXXX request on XX/XX/2023 The amounts are unknown, as well as if there request has been accepted. I have called all three banks. All asked for my date of birth and SSN. There are no cards connected to this information. 

I received a credit report from all three credit bureaus. I have removed an unknown number and currently in the process of disputing/removing unknown names from my XXXX credit report. Lastly, I am in the process of reporting identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Bank Account # 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 without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ, XXXX Dear XXXX I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, Online Information 's account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXXt account XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX and XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy. 

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

Experian is reporting a bankruptcy that is not mines. XXXX XXXX has removed the bankruptcy from my record therefore Experian needs to remove the bankruptcy from my credit report.
Product: Credit card or prepaid card

Discover has issued a chargeback on my credit card ending in XXXX and I dont even use this credit card due to recent low credit limit they offer me and wouldnt increase my limit and I open up a dispute on a charge for XXXX XXXXXXXX XXXX XXXX XXXX # XXXX For XXXX Discover cancel the dispute the same day on XXXX XXXX and issued a chargerback the same and unable to dispute it and told I need wait 10 days for a refund from the merchant I explain to the dispute rep I dont have there return address and I send the shirt back to corporate mailing address with FedEx tracking number and she must read my dispute comments saying that Im not a trump supporter and I didnt like this shirt at all because its has some Offensive images on it and the company send me the wrong shirt and all I wanted is a plain black shirt I feel like discover is disrespectful and discrimination because Im not a conservative guy They cancel the dispute without my consent
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute certain inquiries listed on my credit reports. My name is XXXX XXXX XXXX, and my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX AZ XXXX As a consumer, I am requesting the removal of these unauthorized and erroneous inquiries from my credit files, in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable Federal Trade Commission ( FTC ) laws. 

Upon reviewing my credit reports obtained from TransUnion, XXXX, and XXXX, I have discovered multiple inquiries that are negatively affecting my creditworthiness. It is essential that these inquiries are thoroughly investigated and removed, ensuring compliance with the Metro 2 guidelines for accurate credit reporting. 

The following unauthorized inquiries are to be disputed : XXXX XXXXL : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXA XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SXXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX I kindly request a thorough investigation into the legitimacy and accuracy of these inquiries. If they are found to be unauthorized or inaccurate, I request their immediate removal from my credit reports, as mandated by the FCRA. 

Furthermore, I kindly ask for written confirmation of the removal of the disputed inquiries from my credit reports. It is crucial to update my credit reports accordingly and ensure future compliance with the Metro 2 guidelines to prevent any future inaccuracies. 

As per the FCRA, I request copies of the updated credit reports reflecting the removal of the disputed inquiries to be sent to the address provided above. 

Please consider this inquiry dispute letter as an official and time-sensitive request for investigation and resolution. Failure to comply with the FCRA and the FTC guidelines may result in further actions to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the improvement of my credit reports. 

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

Requested my credit report in writing three times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've called to get issue resolved but didn't receive the right help. inquires that are not associated with any account was not authorized by me. i would like for them to be removed immediately please.
Product: Credit card

I had a Capitol One Spark Business card for my XXXX XXXXXXXX XXXX. In XX/XX/2020, after a cancelled concert due to covid, XXXX refunded over {$3000.00} to the card leaving a negative balance. After several months, Capitol One cancelled out the balance the card was closed. However, I never received a check for the money. I called customer service and they couldn't seem to grasp the issue. I just gave up frustrated because I could not reach anyone who would help me despite calling customer service multiple times. However, I need someone there to review the statements and verify that no check was ever issued to me for the negative balance.
Product: Debt collection

I believe LVNV purchased my credit card debt from XXXX back sometime ago. But, they will not provide evidence that the actually purchased the debtor such as purchase agreement and contracts evidencing that they purchased my debt from XXXX. In XXXX2015 LVNV attempted to garnish my bank account. My bank notified me and out of scarcity I contacted LVNV and agreed to pay them. But, I asked them to provide evidence that they now have my debt they have failed to do so. I have been paying them for the last two years and I do not want any mix up regarding this debt years later and XXXX come back requesting that I pay them when LVNV is attempting to collect on this debt. I need verification that they actually own my debt such as contract agreement and letters transferring from XXXX to LVNV. I am aware that there is a law in Texas that prohibit a debt collector from garnishing bank accounts. Please provide documentation that XXXX is no longer the debt holder of this loan. I have received threatening letters and bank garnishments from LVNV with no proof that they have my debt. I would appreciate any help you can give me
Product: Credit reporting

My name is being reported incorrectly- It should be XXXX XXXX XXXX .
Product: Debt collection

This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$870.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

Recently checked my credit report on XX/XX/2023 to find that Credit Collection Services has reported a collection on my report of {$420.00}. The dates that they have been reporting goes back to XX/XX/2023. After checking the Secretary of State site for GA, I found that their are dissolved and their licenses are expired. I never signed a agreement with said company and I never received any communications from this company before being reported on my credit