23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

TransUnion, Equifax, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage.

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin. 

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-- -- -TransUnionXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I paid my balance in full on XX/XX/XXXX I mistakenly shorted the amount by {$.00}. On XX/XX/XXXX I was charged and interest fee of {$19.00}. I ignored the statement emails since I knew I paid the balance. On XX/XX/XXXX I noticed on credit karma my score dropped XXXX points when I looked it was BOA late payment. I pulled up past statements and found the shortage. I called and offered to pay the {$.00} they said I would have to pay in full and they would request the interest be removed but there is no guarantee. I was disgusted with this resolution so I paid in full and requested my account be closed. I feel this is unethical business practice and no one should do business with them.
Product: Debt collection

I have a credit card debt that went into collections in 2016. The account was recently purchased by a debt buyer Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX. They are now Re parking old debt on my credit reports as new debt which is an illegal practice. I have been trying to dispute this information with the credit bureaus which will not help with this problem.
Product: Debt collection

I believe the account is invalid. TRANSWORLD SYSTEMS INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

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

I have contacted TransUnion several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. 

I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XXXX we made a balance transfer from our Bank of America Platinum rewards for {$1300.00} to XXXX XXXX . BoA does not allow electronic transfers to XXXX so a paper check from BoA, written and sent by BoA, was mailed on XXXX number is XXXX. XXXX XXXX received and cashed this check XXXX check was under My name, but deposited into and incorrect XXXXXXXX XXXX account number . Somehow this check had a clerical error, and two numbers on my account were transposed. I do not know who the other account belongs to an I am not privy to confidential information. Subsequently, once both BoA and ourselves realized that this error occurred, disputes were opened with both banks. Dispute was opened with BoA onXXXX. BoA never sent us any communication of the status of the Dispute. We were told to wait a month. On XXXX we contacted BoA to follow up and were told different things by different people. We spoke to both the Balance Transfers Department and Disputes. Spoke to XXXX, XXXX and XXXX to name a few. We were told by BoA that they had contacted XXXX XXXX and they received a letter stating that the account number on the check was a valid one. I also contacted XXXX XXXX and was told that BoA had never contacted them and they had no evidence of any approach by them. They were unable to give me any information as the account number the check payment was remitted to is not under my name. I was told multiple times by BoA that we would be contacted via phone. We received no follow up calls. On XXXX I again contacted BoA and was transferred from Balance Transfers Department back to Disputes. I spoke to XXXX who was incredibly rude. She said we would receive a copy of the front and back of the cashed check within 7-10 business days. I asked to speak to whichever 'specialist ' was handing my dispute, XXXX XXXXXXXX. I was told their department has no phone number or messaging system to contact these 'specialists ' and that they would call me back. I asked multiple times for a copy of the letter XXXX XXXX sent BoA and no information was shared. XXXX then ignored by requests to escalate the situation, I told her I was ok to hold for some one who could better help me. She hung up on me. Im sure theres a recording of this. In conclusion, I still dont know if I will be credited back the {$1300.00}. I will be following up with my dispute with XXXX XXXXXXXX and go from there. We have been customers of BoA for 12 plus years and are incredibly hurt by the treatment we have received. We don't know what the next step is with BoA and how we are going to recoup our money.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Payday loan, title loan, or personal loan

I recently had a new Approved with OopsLoan acct # App-XXXX {$2700.00} Amount of finance and total payments {$4700.00} Annual rebate is 169.86 % Company located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Is that legal to charge Over 160 % on a personal loan in California? 
I used this company 3x and felt that they were overcharging me on The interest rate I am a residence of Ca any max set rate for state for CA? 
Thanks you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My private information was accessed in the Equifax hack in XXXX of XXXX. Not only was I not notified of this event in a timely fashion, I have not been notified directly by the company at all. Equifax has also attempted to deceive me and countless other consumers into signing away our right to sue for their negligence by offering a free one year trial of credit monitoring in exchange. This is deceptive and predatory behavior, in my opinion.
Product: Credit reporting or other personal consumer reports

I am writing to alert you to the inaccuracies in my credit report, specifically concerning the dates associated with my accounts and the company policies regarding late payments. 

Upon reviewing my credit report, I noticed that XXXX points were deducted on XX/XX/year> due to a 30-day late payment by XXXX XXXX. This information is inaccurate, as I paid on time within their 30-day time frame. My payment history should accurately reflect that my account was not 30 days late on that date. Additionally, I would like to address the lack of communication from XXXX regarding their policy on late payments. 

On XX/XX/XXXX, my car was recalled, and I was at the dealership for an approximate month. I contacted XXXX requesting an extension of my payment due to my care for my credit history. They declined the extension and informed me that no adverse reports would be on my report unless " 30 days pass due. '' My missed payment was on XX/XX/year> in the amount oXXXX XXXX I paid XXXX on XX/XX/year>, which covered the XXXX payment. At this point, I owe XXXX for XXXX. 

On XX/XX/year>, I made a payment of XXXX toward my past-due XXXX bill, leaving me with a XXXX past-due balance. 

On XX/XX/year>, I paid XXXX, XXXX, which went towards my XXXX past-due balance, leaving me with a balance of XXXX for my bill due on XX/XX/year>. 

On XX/XX/year>, I made a payment of XXXX, bringing my payment history current. ( There were some late charges that I would like to be reimbursed for ) According to XXXX XXXX XXXX, whom I spoke with on XX/XX/year> at XXXXXXXX XXXX. my payment was considered 30 days late on XX/XX/year> because I made payment at XXXX XXXX which was after hours. I asked XXXX to provide me with signed documentation stating this policy because it was not included in my signed documents from the dealership, and this was my first time hearing such a thing. He proceeded to tell me there wasn't one. Clients should receive documentation regarding late payments to avoid late fees and negative reporting. Unfortunately, I did not receive such notifications, which contributed to the misunderstanding regarding my account status. I request a thorough investigation into these discrepancies by filing two disputes. 

I would like XXXX to correct these inaccuracies, remove the negative remark from my credit, and regain the XXXX points I lost due to their failure to provide their clients with important information. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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.

EQUIFAX 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! 


Delete the late payments from my consumer reports
Product: Checking or savings account

Navy Federal has stolen {$140.00} via my XXXX account to pay for their egregious banks fees that are NOT legal.i have received return check fees and have never physically held or given out checks. There system never gave me the option to change the account my XXXX is linked to. The transaction was not initiated by me and i requested it be cancelled rather than taken from me. The first person under their XXXX department, i spoke to stated i could receive my money back as long as it was pending. Once i spoke to a different representative for Navy Federal checking accounts, they stated although SHOWING PENDING that its not pending for them to be able to cancel it. Its Sunday and no bank transactions can be completed therefore this should be able to be reversed! They have stolen money I do not have to pay their fake fees. Furthermore when speaking to a supposed supervisor she threaten to hang up on me simply because I told her information was not helping me get my money back. CHECK THE RECORDINGS. LASTLY, Stating i am in debt to them is treason to the United States.
Product: Credit card or prepaid card

Dear CFPB Staff, InXX/XX/2017 I applied for, and was approved for a Citi Double Cash credit card. However, since my first contact with them after the card approval, my card has been blocked by a fraud alert, which could not be resolved due to Citibank 's inconsistent and incompetent identification methods. 

My particular grievances are as follows : 1. Citibank is unable to verify me through numbers I own, even though ( a ) I have one number for 1 year, and the other for 5 years ; ( b ) both numbers on are my XXXX credit report ; ( c ) my numbers are reflected in other longstanding Citibank accounts that do not have fraud alerts and are in good standing.

2. Citibank is inconsistent with procedures to follow after failure to identify through phone numbers. One agent asked for numbers of my non-Citi credit cards and tried to verify by calling other banks ; after completing this step, the agent escalated this to supervisors, who promised to call but never did. One other agent escalated directly to supervisors, who again promised, but did not call.

3. One supervisor, whom I reached upon calling myself, were able to prove the identity after running me through a quiz. She gave me a passcode-style reference number, with which I supposedly could bypass the verification upon the next fraud alert. Agents in later calls refused to recognize this reference number, and ran me through grievances 1 & 2. Furthermore, the supervisor made clear to me that I could not bring up the quiz myself, as doing so may trigger an alert and they would not serve the quiz as a result.

4. After the only successive verification attempt ( purely by luck ) detailed in 3., Citibank refused to note the correct numbers to reach me, which leaves me again in the quandary of grievances 1, 2 and 3.

I believe that diligent fraud detection does have merit, but imposing an intransparent, and ineffective phone verification system destroys the usefulness of any credit card. Citibank leaves no mechanism for updating phone numbers in their fraud team database, and is completely inconsistent, incompetent, and intransparent regarding further verification steps should phone verification not work.

I have very pleasant experiences with the fraud teams at XXXX and XXXX XXXX, and believe Citibank is the only institution I do business with that is utterly ineffective at addressing fraud alerts. 

It is my sincere hope that CFPB looks into this matter and bring Citibank into action in repairing their fraud resolution system. 

Best Regards, An unsatisfied Citibank customer
Product: Mortgage

Following My Chapter XXXX bankruptcy discharge on XXXX XXXX, 2015, in which Ocwen was included, Ocwen started reporting to the credit bureaus that my loan was reaffirmed and reported balances, in violation of the fair reporting act. Attached are XXXX different credit bureaus reports. 
XXXX - shows Open, Balance & Reaffirmation of Debt ( XXXX payments made on time ) XXXX - Closed, shows Payments, Balance and Reaffirmation of Debt ( 12 payments made on time ) XXXX - shows Open, Payments, Balance and ( 13 payments made on time ) XXXX - shows discharged, Never Late, account paid as agreed ( missing history )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2020 Attention Equifax Fraud Department, I am demanding that you remove these fraudulent accounts that you have listed on my credit file. I am currently waiting on the outcome of a lawsuit in regards to the Equifax Data Breach this security breach resulted in millions of consumers including myself to fall victim to identity theft. My personal information was compromised and used to secure fraudulent accounts. If you refuse to remove these fraudulent accounts from my credit file, I will move forward with my lawyer and file a motion to sue your company in state or federal court. At that time, I will ask to be compensated for my time, refunded for actual damages to my credit file, as well as compensated for my mental and physical health as this fraudulent information listed on my credit file has caused me a great deal of stress. My lawyer has advised me to contact the FTC and the CFPB, which I have done and attached the documentation for permeant removal of these fraudulent accounts. 

If you refuse to remove these accounts from my credit file, I will give my lawyer the OK to file a motion against your business in 8 business days. You must provide me with debt validation documentation, by law which is legal documentation of the Section 609 of the Fair Credit Reporting Act Attached is my legal FTC report, I am also awaiting a hard copy of my police report that I have also filed. I hereby state that all information I have provided is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete information. 

The following accounts should be removed from my credit as soon as possible. 
1. XXXX XXXX XXXX {$4000.00} 2.Us Department of Education {$9000.00} 3.Us Department of Education {$4300.00} 4.Us Department of Education {$10000.00} 5.All unauthorized hard inquiries
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have inaccurate information on my credit report/
Product: Money transfer, virtual currency, or money service

My complaint : I have the crypto.com visa prepaid card. This card is terrible for many reasons that do not pertain to this complaint. I have been tirelessly trying to close the card account, and they are literally making it impossible. I have called customer support multiple times. Every time, they say only a higher up can close the account. They also informed me that there is no way for me to get in direct contact with said higher up. They informed me that I have to go through the chat. Then they said the person in the chat will have to inform said higher up to close the account. The average response time for one single message via chat is over XXXX hours ( Imagine how frustrating that must be for an urgent request ). They are also intentionally incompetent, and still have not been able to relay the message to higher ups that I want my account closed. Instead they froze my account with large amounts of money in it. Now I have no way to access the money. This is by far the worst customer experience I have ever had, and I just wish they would reimburse my money instead of stealing it.