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

Hi I was charged by XXXX XXXX XXXX with an unauthorized charge and then them trying to cover it up after i disputed the charges by saying they have the product and reciept which was create after the dispute. Its been two months and this is my second dispute. The business reached out after I disputed and acted like they were going to supply a product. 
I asked them what product and they said they had a receipt for something I ordered, which was incorrect. I had received fraudulent charges on my card two other times thereafter that were denied due to me having my card locked at the time and in which the company tried to deny those charges as well. 

at the same time i addressed the store they forwarded me a text with reciept that showed they were giving me a deal with a discount!! 
This company does not follow proper business protocalls and is scammers with bad business ethics. Don't Let your info get in their hands. 

I wouldnt recommend doing business or let your personal info get into their hands.
Product: Debt collection

XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX VT XXXX TRANSWORLD SYSTEMS I Reported : XXXX. XXXX, XXXX - {$XXXX} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYSTEMS  I Reported : XXXX. XXXX, XXXX - {$XXXX} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX, VT XXXX
Product: Mortgage

XXXX XXXX transferred to Loancare. My XXXX grace period terms have not changed. 

Loancare trying to charge late fee. 

Sent to Loancare below.

Payment/Statement Inquiry, Remove the {$10.00} late fee. See XXXX Transfer Document. Terms of my agreement, due dates, grace period have not changed. I have until the XXXX of every month to make payment. I did not inherit a new agreement with Loancare when transfer took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied for a home loan. When the lender pulled my credit, Navient had placed statements on my account stating that it was in deferment due to a natural disaster. This stopped my loan from processing. When I called them, they stated that FEMA had given them this information and they took it upon themselves to place that on my report. I did not ask for that at the time. Navient told me it would be taken off XX/XX/XXXX and would show on my Credit reports XX/XX/XXXX. When the lender pulled my credit report again, nothing had changed. I called Navient again and they continued to argue with me and said that I was still in the deferment and they would not remove it. I had to argue with them for several weeks and into XX/XX/XXXX. They would not remove it until I threatened to get an attorney. Then all of a sudden they agreed that it should have been taken off. I finally got it taken off but had to be subjected to the stress of arguing with them. Some of these comments are still on my credit reports. It also states that my last payment was XXXX XXXX. I have made payments since that time. This is not the first time that I have had to deal with this issue with Navient reporting bogus information to my credit report. Then it takes forever to get it removed. XXXX is the worst about removing comments, etc. even when you prove it is wrong. They do not appear to investigate anything unless you threaten to sue them. It is just the first time I knew that I could file a complaint. They consistently put me on different payment plans than what I apply for. When I asked them about a forgiveness, they actually laughed at me. Then laughed while telling me that I could not even file bankruptcy and get out of it because it was a Federal Loan and I was stuck paying for this and they didn't care how old I was. ( I am XXXX years old now ) Prior to this my billing and fees were consistently wrong and Sallie Mae and Navient refused to justify any of the charges as well as the schools charges when I saw that I was being charged bogus fees or being charged double fees by the school and the Student Loan Servicer.
Product: Credit reporting or other personal consumer reports

Dear Equifax, This letter serves as my fifth and final attempt to resolve my disputes regarding inaccurate and unverifiable accounts on my Equifax credit report. Despite my repeated requests, Equifax has failed to provide a proper investigation or sufficient documentation to verify the accuracy of the following disputed accounts : XXXX  XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX  XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ) 1681i, Equifax is required to investigate consumer disputes within 30 days and provide clear documentation verifying the accuracy of the reported information. To date, you have failed to comply with this requirement by either refusing to remove unverifiable accounts or failing to provide supporting documentation proving the legitimacy of these debts. 

Furthermore, I am fully aware of Equifaxs prior legal history involving CFPB lawsuits for failing to properly investigate consumer disputes and for providing inaccurate credit information. This ongoing failure to comply with the FCRA is unacceptable, and I will not tolerate further delays. 

If I do not receive a formal response with verifiable proof within 10 days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifaxs noncompliance.

Report Equifaxs FCRA violations to my states Attorney General for enforcement action.

Consult legal counsel regarding potential damages related to Equifaxs failure to investigate and correct inaccurate credit reporting.

This is Equifaxs last opportunity to resolve this dispute. I expect a complete and verifiable response, including any supporting documentation used to verify these accounts. If Equifax can not provide sufficient proof, I demand the immediate deletion of all unverifiable accounts from my credit report. 

Failure to act will result in legal and regulatory consequences. I look forward to your prompt resolution of this matter. 

Sincerely,
Product: Credit reporting

I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : CITIMORTGAGE ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX INSURANCE DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX 'S DATE : XX/XX/XXXX UNDER SECTION 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: Checking or savings account

I purchased a certificate of  Deposit  from   XXXX    XXXX   XXXX  and  XXXX  in   XXXX  . The  XXXX  &  XXXX  was purchased by  XXXX   XXXX   XXXX   XXXX   XXXX  which was purchased by  Capitol One. Capitol One ha s refused to help me cash in my CD. I searched state of MD and VA for abandoned property finding nothing. These funds are insured by the FDIC.
Product: Checking or savings account

On XX/XX/20 my card was lost and my bank contact me due to suspicious activity. I at that time open up my app and found that there was charges that had been made fraudulent. I contact the bank immediately and the representative at that time cancelled the card. I was told to contact customer support the next business day to open up a claim. As of XX/XX/20 I contact the bank and was forwarded documents to send back to file the claim. I submitted the documents back the same day with the events of what happened the day the card was lost. I was told that it would take 10 days to determine if there would be a temporary credit for the funds that was taken fraudulently. After the 10 days I received and email that no error was found. I immediately called Chime Bank and request to speak with a supervisor due to I did not disagree with the outcome. I was told at that time that it would take 10 days to get the results of the investigation. I received the results on XX/XX/20 and was told I would not be refunded my funds due to the location of the disputed transaction is just 20 minutes away from the cardholder 's location. I have been victimized by the criminal whom stole my funds and now victimized by the bank that I have trusted to protect my funds. There was a total of {$430.00} that was stolen from my account and basically I have been accused of a criminal activity by my bank and I am the victim. While speaking with the supervisor due to there was five different transactions, I asked for the address or phone numbers for the merchants and was told that is not information that they have yet he asked me had I spoke with the merchant. I have since filed a police report and now have to do my own investigation of what the bank should have done!
Product: Debt collection

On XX/XX/19 I sent a request for validation letter to Bonneville Collections. In my request for validation I specified that it should be in accordance with the FCRA, to include but not limited to copies of any papers that show that I agreed to pay what they say I owe. On XX/XX/19 I received a response from Bonneville Collections which only included an itemized statement of services and charges of { {$3900.00} + {$2900.00} to equal {$6900.00} to which they have continuously added interest, now reaching {$2700.00} to bring it all to a grand total of {$9700.00}, and counting } which they obtained from the original creditor XXXX XXXX. No contract with my signature was ever sent to me. As a result of medical procedures being listed on this statement, not only was this NOT proper and correct validation but also a clear violation of my HIPPA rights. These actions are also violations of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and a defamation of character. This debt collection agency has been falsely reporting indebtedness on my credit reports for nearly 7 years and has highly negatively impacted my credit reports, scores, and not to mention my quality of life as well.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the relevant Credit Reporting Agencies ( Equifax, XXXX, XXXX ) that the disputed charge-off entry from XXXX XXXX XXXX was deleted from my XXXX secondary credit report following an investigation completed on XX/XX/2024. The account was found to be unverifiable, and XXXX has removed it from my credit file. 

I now request that all other credit reporting agencies, including [ Insert Names of CRAs ], conduct a thorough review and deletion of this same account. Since XXXX, one of the major CRAs, has already deleted the entry due to its unverifiable nature, it is expected that other agencies follow suit in accordance with applicable consumer protection laws.

Legal Basis for Request Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to accurate and complete information on my credit report. If a debt or charge-off is found to be unverifiable, it must be removed from my credit report promptly. XXXX has already deleted this account, which has been verified as inaccurate, and therefore, the same must apply to any other credit report containing this account. Failure to remove unverifiable information within 30 days from the date of my notification is in violation of the FCRA. 

Furthermore, I remind the CRAs that under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if a consumer disputes the accuracy of any information on their report, the CRA must investigate and correct or delete the information within 30 days if it is found to be inaccurate. Should the account remain on my credit report and not be removed within the required timeframe, this will constitute a direct violation of my rights as a consumer. 

My Request I respectfully request that you take immediate action to remove the unverifiable XXXX XXXX XXXX charge-off account from my credit report within 30 days. If this information is not corrected or deleted in the specified timeframe, I am fully aware of my right to seek legal action and pursue any available remedies, including filing a lawsuit for damages under the Fair Credit Reporting Act and seeking statutory damages, punitive damages, and attorneys fees. 

Please consider this letter a formal notification of my dispute and request for deletion of the account. I appreciate your attention to this matter and trust you will act in accordance with the law. 

Thank you for your time and prompt attention to this request. 

Sincerely, XXXX XXXX XXXX : Equifax, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a notice dated XX/XX/2020 that I owed a debt over several accounts in the amount of {$10000.00}. Account # XXXX I contacted TSI [ TSI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ]. I registered that i was disputing this debt. 

I contacted my insurance company ( XXXX ) that was my insurance company at the time of the alleged debts. I spoke with a representative by the name of XXXX ( These communications took place between XX/XX/20 and XX/XX/20, which were recorded. XXXX can produce all, and i give them the right to do so ). 

She looked into my account between the alleged dates of service ( XX/XX/XXXX to XX/XX/XXXX ) and found no record of any claims being filed. There is one claim in the amount of XXXX that may be a legitimate claim. 

She contacted TSI and spoke with XXXX in their insurance department. After 5 attempts she has received no return calls. 

I registered an online account, and found that there is a disparity between the written statement, and what is online. The information they have from the originators has either an incorrect address, or no address. The largest claim of XXXX has no address listed. No entity has been able to produce a record or details of this claim. 

My agent ( XXXX ) has contacted TSI in good faith to resolve the dispute, as the debt is not owed. They have not responded in a timely fashion. This debt should be nulled, it is not my debt, and I was not billed in a timely manner. My insurance company has no record of any claims filed in this timeframe, and it is far past the 180 days required for a health insurance provider to bill them. 

This is a billing error by one or several health care organizations and is not a debt i owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( XXXX XXXX XXXX XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( XXXX XXXX XXXX XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 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. ''
Product: Consumer Loan

I returned a leased Kia to a Kia Dealer and purchased a new Kia. It was a demo car with XXXX miles on it already so I could not get it financed through Kia with 0 % financing. I got the final bill on my lease agreement and they are charging me a disposition fee of {$400.00}. I called and asked to have it reversed and they declined, stating that " You did n't really buy the Kia, Capital XXXX did. '' I did n't have an option of financing my Kia through Kia. I already paid a higher percentage rate as a result of buying a demo car. Now I am expected to pay additional fees when I remained loyal to the brand? No one disclosed this fee to me at the time of closing the deal either. This is a very deceptive practice and the fact that it would not even be considered for review feels very wrong to me.
Product: Checking or savings account

I have a checking account with Chase Bank. Over the past 3-6 months, I am receiving text messages that incorrectly describe withdrawals, deposits and XXXX activities. For example, I receive text messages indicating that I owe money using XXXX or incorrectly made a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not read my request. It was clearly done by an automated system. My credit was dinged with multiple inquiries and the name on the inquiry is spelled wrong and is clearly not my current address. Equifax refused to rectify this
Product: Credit card

I got a letter from Citi re : my XXXX thankyou from Citi credit card. It said starting in XXXX of XXXX  my Annual Purchase Rate for Purchases will go up to 34.24 %. My options are to agree, or opt out. If I opt out, they will close the account. I called to ask why this was happening and was told by a representative that it was a decision made by Citibank and affects every cardholder of this credit card. I asked why they made the decision and was told the representative didn't know the particular reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX 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 card

Wells fargo is an account i dont recognize as mine this is a mistake in my credit report ... .I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.