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

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXXXXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXXXXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Debt collection

I have a collection on my credit from Dyck Oneal. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. Dyck Oneal is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit
Product: Mortgage

Spoke to loan officer at First Horizon Bank about two outstanding mortgage cancellations from two acquisitions they acquired Iberia Bank and XXXX Bank that needed to be closed out both were paid off XXXX years ago. One was filed XXXX no XXXX XXXX from Iberia Bank by deputy clerk and the other XXXX no XXXX XXXX by XXXX XXXX XXXX 
Both are XXXX balance and we need an original cancellation notification in order to file it at the courthouse. Its been since XX/XX/XXXX when I first approached the bank in our local area XXXX XXXX in XXXXXXXX XXXX  to help us resolve this issue. Its now XX/XX/XXXX several weeks after and still we have not received any paperwork, I just left the courthouse this morning and they have no paperwork went back to the bank local and he called their corporate office and spoke to XXXX who was supposedly handling it and she said she used a 3rd party company to get it to the courthouse. This is now costing money every day as we are trying to help my daughter and husband and family purchase a home here. Hes in XXXX working and it has been very frustrating to get things moving forward without this paperwork sent to the courthouse are even to us as owners. Please help us resolve this issue so we can get this recorded, so that our lawyer can finalize this transaction for our mortgages that have been paid in full for XXXX years please.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.

I have been a member with Navy Federal since 2021 and have had these fees published multiple times despite have sufficient funds. This has caused me major financial stress.
Product: Consumer Loan

I have purchased a 2009 XXXX in XXXX 2011 for XXXX financed it with Santander Consumer. Since paying on this car I have paid XXXX dollars and still XXXX, XXXX they are continually adding late fees, as well as a XXXX fee for every time you make a payment on-line. They have put close to nothing towards the principle of this car, it has al gone to Interest. I feel this is a predatory lender, this car should be down to at least half of that XXXX with all of the payments I have made to this point. they continue to add fees and take the full payment and put towards interest.
Product: Debt collection

I have sent out 2 notification for validation of debt on XX/XX/20 and XX/XX/20 as soon as I received notification from XXXX that a collections account has been placed on my file. SUNRISE CREDIT SERVICES has violated my rights by not notifying me about the debt. They never sent any form of communication to me that would have giving me an option to dispute the validation of the debt. They have violated 15 USC 1692g section 809 of the FDCPA. I have provided 2 return receipts that have been signed by someone from  SUNRISE CREDIT SERVICES. 
Please Investigate why SUNRISE CREDIT SERVICES has not responded to any of my letters.
Product: Debt collection

PayPal unexpectedly closed my credit account without notification. Several months later, they reinstated my account without notification. They claim to have sent written notice to an address I have not resided in 4 years. Note, I have always done handled all of my transactions with PayPal electronically. After they reinstated my account without informing me, they began charging me excessive late fees and reporting late payments to the Credit Bureau. My current balance is entirely due to late fees, which I refuse to pay.
Product: Credit card

On XX/XX/XXXX, I was a tourist in XXXX. I took a short cab ride from the XXXX of XXXX to the Historic Center. When the short trip was over the cab driver told me I got in a special tourist can and owed XXXX XXXX pesos ( XXXX American $ ). I gave him my Wells Fargo card which he said was declined. I then gave him my XXXX credit card, he said it was declined. I then gave him my XXXX  and he said it was declined. I started yelling with him that he was robbing me and he told me I chose a special tourist cab. Crying, I emptied my purse and gave him XXXX pesos ( XXXX {$75.00} ) -- everything in my purse. Immediately on returning to my hotel, I checked my credit cards. XXXX XXXX declined a ( XXXX ) {$500.00} attempted charge from him XXXX but Wells Fargo authorized a US {$220.00} charge. The thief charged my Well Fargo account over DOUBLE the outrageous fraudulent amount he demanded in the cab. I opened a dispute # XXXX. They asked if I had a receipt for paying XXXX XXXX pesos, I said no -- I was just scammed and hustled in a foreign country. I went to the XXXX police and filed a report, this took XXXX hours. I sent Wells Fargo the police report by email and by upload. On XX/XX/XXXX, I was told that Wells Fargo would not process my complaint because I failed to get a receipt. I told them I sent you a police report. Too bad, I failed to get a receipt from the XXXX. I am a crime victim and Wells Fargo is going ahead and charging me. I was robbed but failed to get a receipt -- Wells Fargo rejects the police report. On XX/XX/XXXX I received an email saying my dispute is denied. I am supposed to be protected from FRAUD. No tourist spends a night with XXXX Police unless they are a crime victim. 
I filed a complaint with XXXX  and have been contacted by Wells Fargo but have no updated decision
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I disputed a collection items, XXXX XXXX Account number XXXX with thisTransUnion and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Product: Student loan

My loan servicer, MOHELA, notified me on XX/XX/ that my student loans were forgiven as part of the IDR one-time account adjustment. I also received a copy of my Loan Verification from MOHELA as part of their notification. MOHELA stated in the notification letter that they already notified or would notify all national credit bureaus of my student loan forgiveness by the end of XXXX, and that they would process a refund for any payments made towards my loans after the effective date of their forgiveness. 

MOHELA did not notify all three national credit bureaus of my student loan forgiveness until after I filed disputes on my credit reports on XX/XX/. I still have not received a refund for my overpayments and MOHELA has not made any attempt to contact me since I received their notification. 

MOHELA also makes it practically impossible to contact them. They do not provide an email address to contact them at. Their internal secure messaging portal does not give an option to send a message about IDR account adjustment refunds nor does it give an option to send a message about something other than their predefined choices. Their wait-times for phone calls are 1-2 hours or more, and their website explicitly states that their customer service representatives have no further information to provide related to forgiveness from IDR account adjustments. 

On top of this, MOHELA updated my loans current principal balance in my customer account and with all three national credit bureaus to {$0.00} even though their XXXX XXXX stated the current principal balance was - {$4600.00}, which is the amount I overpaid.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I would like to dispute the following listed hard inquiries ; I have not applied for anything since XX/XX/XXXX. Back when I applied for my auto loan. I have attempted to reach out to the companies. I am not aware of the following listed accounts. Unfortunately I have not been able to get a resolution. Please investigate an remove inaccurate information. I have been a victim of identity theft before. I have notify each credit bureau in the past. 
Ive also taken safety measures to reduce my risk. Which these companies have failed to do. I should have received a phone call to verify my identity. Before any company can have access to my credit files. 

I have attached my id & proof of my address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I opened 2 credit cards with Capital One and approx 6 mo after having them while out of the area I tried to purchase and they were trying to protect me from fraud, not knowing that it was in fact me, they froze both of my accounts and I was no longer able to make purchases nor make payments and they ended up as charge-offs and I in the end paid them to zero.
Product: Credit card or prepaid card

On XX/XX/2022 i opened a care credit card through Synchrony bank to cover the cost of my pet 's emergency room visit. I did NOT opt in for the card security that charges you a percentage each month of your total bill in case of death or other reasons you can not pay the total bill. On XX/XX/2022 I noticed a charge on XX/XX/2022 for " Card Security '' in the amount of {$35.00}. I tried the chat feature to get it resolved and he said he could not assist. I called customer service, the first rep was unhelpful and sent me to a supervisor who was condescending and rude and transferred me to a different number who " handles '' card security, even though she was well aware they were not open. 
Once their office did open, I called and was told I opted in for this service, which I know I 100 % did NOT and then she said she would submit something canceling the service and ask for a refund, but could not confirm if or when this would happen. They do not answer your questions directly and intentionally try to confuse you. I have spoken to 4 employees over the phone, 1 via chat, and 4 messages sent via secure messaging and still have not received confirmation that I will be getting the charge refunded and have been unenrolled in a service I did not opt in in the first place. It is a scam to auto enroll a customer in a service they did not opt into and hope the customer doesn't notice the charges until it is too late. They treat you like you are the liar on the phone instead of realizing all these complaints are happening because there is either a glitch in their system that is adding this check next to the yes in error or they are just adding it without consent after the fact.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX have failed to maintain the accuracy of the information reported on my credit file, despite multiple disputes submitted to address these inaccuracies. The information in question remains unverified, outdated, and incorrect, resulting in ongoing harm to my credit profile.

The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the 30-day response time for investigating disputes, which was not adhered to in my case.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as no clear evidence or documentation was provided to verify the accuracy of the disputed information.

15 USC 1681i ( a ) ( 5 ) ( B ) : This challenges reinsertions protocols, as the disputed information has been retained or re-reported without proper validation or notification, violating FCRA guidelines. 

I request that the CFPB investigate these violations and take action to ensure the credit bureaus address these inaccuracies, provide adequate validation, and comply fully with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Vehicle loan or lease

Prestige financial reported in accuracy information to the credit bureau. I received notification of balance after repossession not after truck was sold. Per fcra I should have received a 1099-c, notice of default/ and right to redemption and also a deficiency notice that I did not receive.

I requested a full investigation of accuracy and if not accurate Im requesting deletion.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Correction of Inaccurate Late Payment Reporting Dear EXPERIAN I am writing to formally dispute the inaccurate and unlawful late payment reporting on my account XXXX XXXX XXXX XXXX with your company. This derogatory mark is false and must be removed immediately, as I was never late in making my payments. I demand the immediate correction of this error to reflect my perfect payment history. 
Violation of Federal Consumer Laws Under 15 U.S.C. 1666b Timing of Payments, a payment is considered on time if it is received by XXXXXXXX XXXX  on the designated due date. If you are alleging that my payment was late, I demand verifiable proof that it was not received on time and that your processing methods adhere to the legal standard. 
Furthermore, your company is required to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) by ensuring the accuracy and fairness of any reported payment history. Your failure to properly notify me before reporting this alleged delinquency and to allow the legally required dispute resolution timeframe is a clear violation of my consumer rights. 
Legal Violations and Demands for Resolution As a creditor, you are legally obligated to : * Send a billing statement that accurately reflects my payment history.

* Provide a grace period ( if applicable ) before marking a payment as late.

* Allow 30 days to resolve billing disputes before reporting negative information.

* Notify me before reporting any derogatory information to the credit bureaus. 
* Ensure absolute accuracy and fairness in all credit reporting practices. 
Your failure to uphold these requirements constitutes negligence and noncompliance with federal consumer protection laws. 
I demand the immediate removal of this false late payment entry and an update to my credit report reflecting my accurate and timely payment history. If this matter is not resolved within 15 days, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my legal counsel to seek further legal action. 
This letter serves as formal notice that I will not tolerate any inaccurate, misleading, or unverified reporting. Please confirm the removal of this erroneous late payment from my credit report and provide written acknowledgment of the correction immediately. 
Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX   AND THEY TOLD ME I COULD PAY A SMALL FEE AND TRAVEL BUT I DIDNT NEED TO PAY THEM ANY MONEY NOW JUST GIVE THEM A CARD # TO KEEP ON FILE TO LOCK IN MY DEAL. IT SOUNDED GOOD SO I AGREED TO GIVE HER MY DEBIT CARD # TO LOCK IN MY PRICE FOR XXXX BUT SHE PROMISED NOT TO TAKE ANY MONEY OUT OF MY ACCOUNT UNTIL I DECIDED IF I WANTED TO TRAVEL AND DOD BUSINESS WITH THEM. HOWEVER SHE TOOK THE MONEY OUT OF MY ACCOUNT ON XX/XX/17 AND I NEVER AUTHORIZED THIS ... I CONTACTED MY BANK XXXX XXXX TO LET THEM KNOW I NEVER AUTHORIZED THIS AND THEY DID NOTHING TO HELP ME. SO I AM NOW REPORTING THIS TO YOU .... PLEASE HELP ME GET MY MONEY BACK. I AM A SENIOR CITIZEN AND THIS IS ABUSE .... I LIVE ON A FIXED INCOME AND I CANT AFFORD TO THROW MONEY AWAY TO A FRAUD SCAM COMPANY ... PLEASE HELP ME GET MY MONEY BACK