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

I requested that a few accounts on my credit file with TransUnion be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Debt collection

The credit agency, Receivable Solutions Specialists, Inc has not only tried to collect a debt I do not owe they have filed a report against me with the XXXX major credit bureaus. This has negatively impacted my credit. The debt belongs to my adult son. He is on my insurance but I am not responsible for his medical bills per the XXXX. I notified the agency of this but they are still sending bills in my name. I have never signed anything that I would assume responsibility for the debt.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I found hard inquiries that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Amount : {$27000.00} XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Amount : {$54000.00}
Product: Credit card

Dear Sir/Madam, In XX/XX/XXXX, Costco terminated their relationship with XXXX XXXX and required use of a Visa credit card. Citi offered a New Costco Anywhere Visa Card and with it advertised rewards which included 0 % Intro APR on Purchases for 7 months. I signed up for the card but noticed that Citi applied late interest in month 4 which I refused to pay, so the interest charges continued for 3 additional months despite paying off the balance of my merchant charges. I sent Citi several letters detailing the interest error, but they replied the charges were correct. Ultimately, I stopped using the credit card and Citi then charged me a {$25.00} late fee for not paying the late interest. During this dispute, Citi sent me a notice expressing thanks for being a great customer and lowered my APR for new and existing purchases on my Costco Anywhere Business Visa account through XX/XX/XXXX. In other words, Citi twice offered me 0 % interest, yet they charged interest. Also, nowhere in the Citi card brochure or on the Costco Citi Card web site does it discuss a late fee in addition to late interest. 

Citi clearly waived any interest from the start of my new credit card account until XX/XX/XXXX, yet they charged interest and continued to charge me even after I paid off the principle. Once I discontinued using the card they then charged an undisclosed late fee on the late interest. Their non-transparent, deceptive and disingenuous business practice is abusive, intimidating and unfair. I spoke with a Citi representative ( XXXX ) on XX/XX/XXXX who told me I misunderstood the notices discussing the 0 % interest offers and apologized for my misunderstanding of the unambiguous Citi notices as if I were an idiot. She then went on to tell me my account was put into collection for non-payment of the late interest, which should never have been charged, and a late fee on the late interest which is even more ridiculous. Credit card companies should not be allowed to defraud the public, and I respectfully request that you investigate Citi 's offensive actions. Thank you.
Product: Checking or savings account

On XX/XX/year> XXXX XXXX XXXX  Representative XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX called our business office, XXXX XXXX  XXXX XXXX XXXX and notified XXXX  XXXX, XXXX XXXX that a fraudulent check was being processed by someone in the amount of {$9500.00}. Original check was written out to US Bank Credit Card in the amount of {$1500.00} but was washed with the above amount payable TWICE, payable to two different people. Fraud amounts were re-written in the amounts of {$2500.00} and {$9500.00} we notified US Bank representatives of the situation but have only received one refund for the smaller amount of {$2500.00}. No other investigation has been presented. 

XXXX XXXX needs a refund of the 2nd check cashed fraudulently in the amount of {$9500.00} plus interests and time lost/damages to company writing letters, emails and time into reviewing something that should have been prevented and taken care of immediately, it is now 4 months and have not had a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled my credit report and noticed accounts & inquiries that did not belong to me
Product: Debt collection

They said an acct was in my name in a city I used to live in with my ex. I have since moved to XXXX XXXX over 3 hours away 7 years ago. I do not live in that home and haven't in 7 years. Since I moved I apparently had things in my name. Me nor my ex live in that home and haven't in 7 years. I'm guessing some of my legal information was left in this home by my ex. I have never had this happen before but because it was in my name, I am left with the responsibility which is not fair. I have a standing XXXX XXXX Payment, Standing XXXX payment, and a Standing credit card that was opened in my name under these thieves. It's destroyed my credit. I didn't know these were in my name until it was already a negative impact. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  BANK ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am respectfully taking this measure due to XXXX XXXX XXXX XXXX not taking a closer look into my dispute filed with them on multiple avenues via : ( them the creditor, XXXX XXXX XXXX, and all 3 credit bureaus ). I was wrongfully accused of a charge off and late payments on my account and they have negatively impacted my reputation and ability to pursue a deserved job opportunity. 

XXXX / XXXX XXXX : Partial loan payments made, not ignored.

Covid-19 delayed work license upgrade classes pushing my back to work date by over 6 months. Spoke to XXXX XXXX XXXX XXXX and they understood my situation and told me directly on the phone and in letter attached they could work with me on payments. Was told on phone a good will deletion of late payments can occur because my circumstances were Covid-19 related. Was told on phone no charge off or missed payment stains would impact my credit report, because this was Covid-19 related and I was making as much payment as I could ( {$500.00} payment, {$50.00}, {$300.00} even {$2000.00} to catch up the dates are truthful examples attached in files ). 

XX/XX/XXXX Maturity Date Email sent to XXXX stating student loan account ending in XXXX is maturing soon and is to be paid off by XX/XX/XXXX. No mention of charge off or late payment consequences. 

My budget was now set to pay loan off early by XX/XX/XXXX. 

On XX/XX/XXXX I showed up to local XXXX XXXX XXXX XXXX branch near XXXX, TX and paid the loan off a whole week early in full in cash of {$5000.00} Credit reports are now reflecting charge off and late payments on this particular account. The account was undeniably paid in full on time ( early ) and never charged off for the creditors IRS tax write off and into another collection agency. 

Under my signed and disclosing loan agreement I have the legal right to exercise and mitigate any negative times in relation to the loan which does include inaccurate defaulting/ charging off of the account.
Product: Debt collection

LVNV Funding LLC, a debt collection agency, was sent, received, and acknowledged the cease and desist order issued by the consumer. On XX/XX/year> LVNV Funding LLC, violated the cease and desist order and transferred/sold the consumer 's non public personal information to another third party debt collection agency, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately I had one late payments on an account that I always paid on time. Upon conversation with customer service. They could not provide me with any substantial reason for that report. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

Attached is a copy of my report ( XX/XX/2023 )
Product: Checking or savings account

I opened an M & T Bank XXXX XXXX Checking account ( ending XXXX ) on XX/XX/year>, with a promotion of {$400.00} new account bonus if i finish a direct deposit of {$1000.00} within 90 days of account opening. I did the direct deposit of {$1000.00} on XX/XX/year>, but i never received the new account bonus {$400.00} even after 90 days. 

Their offer term says " Your cash bonus will be credited with 90 days of qualifying requirements being met. ", which is not the case.
Product: Credit card

Have had Citi Master Card since XXXX, now called XXXX XXXX XXXX. 
Minimum payment due on XX/XX/XXXX was {$49.00}. Cardholder ( me ) paid {$200.00} on XX/XX/XXXX. I had XXXX starting XX/XX/XXXX so I was quite ill, but I know the pandemic is now over. On XX/XX/XXXX, Citi Bank charged me a {$41.00} late fee. They have been inflexible on a prior late fee, so I know they are inflexible on this fee. Need CFPB to continue pushing for laws that limit ridiculous, egregious late fees and/or base late fee on number of days late, ie. being late one day is a minimal fee, being late 10 days is a higher fee, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I sent a certified letter to XXXX, XXXX, and Equifax. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XXXX XXXX, 2022 came back as verified from the credit bureaus but the violations has not been updated. 

The FCRA states that information being reported must be 100 % accurate and credit bureaus are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the reporting agency has a reasonable cause to believe is inaccurate.
Product: Credit reporting or other personal consumer reports

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


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

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX, XXXX XXXX, COAF Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 



Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform the CFPB, with the respect that the agency, deserve that I am fully aware of the procedures on how the CFPB, helps us as consumers, I am a consumer practicing my legal rights, notice to agent is notice to principal, notice to principle is notice to agent, my understandings are the following, how does CFPB enforce to help consumers when they enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any enforcement action or public enforcement actions. When warranted by the investigation, Enforcement may seek authority from the Director to take a public enforcement action. Alternatively, Enforcement may close the investigation without taking public action or refer the matter to the Office of Supervision Examinations to resolve the matter through our supervisory process. If the Director authorizes a public enforcement action, we may bring the action in state or federal court or institute an administrative adjudication proceeding. Administrative adjudication proceedings are formal adversarial proceedings conducted by an administrative law judge, who issues a recommended decision to the Bureaus Director. The Director issues a final decision, either adopting or modifying the administrative law judges recommended decision. When we enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any Enforcement action. In addition, we also have obtained a wide range of injunctive relief designed to stop unlawful conduct and prevent future violations. In some instances, relief has included banning individuals and companies from future participation in the marketplace. And just to let the CFPB know with all the respect the agency deserves which I has no intention to promote any unlawful, false, or fraudulent purpose, to promote or conduct an illegitimate object or purpose, or is being requested or submitted in bad faith or for the purpose of harassing or defrauding a person, those companies that I have mentioned on the PDF file linked to this report has violated several times and disregard the noticed send by certified mail. on all companies mentioned on this attachment please address and enforce those violations since I have been disputing those accounts for the past month and for the past three years. And with respect I am aware of 12 section 411 which I have a dress to all the companies mention on the PDF file which they have disregarded.

thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I contacted XXXX in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed XXXX a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how XXXX calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/, XX/XX/, andXX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what XXXX is billing me for. On each disbursement that XXXX is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where XXXX received my correspondence. XXXX also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and XXXX has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XX/XX/XXXX-XX/XX/XXXX but I am being billed for these years. XXXX has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX  and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I have disputed two transactions with Chime Bank where the products/services were not provided and the company refused to issue a refund. Chime claims to investigate the disputes, but doesnt. When I submitted rebuttals and requested their investigation documentation, they refuse to provide the documentation or further investigate the claims. I dont hear back despite repeated emails. With the most recent dispute, I was told the documentation would be provided within 10 days, which was over a week ago and then extended further and they still havent sent the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$480.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Debt collection

This number is from Portfolio Recovery Associates , LLC, XXXX, AL. I had a missed call, so I called back. The automated response stated the name of the company ; whereas the phone number indicates Alabama. 
I do not owe any debt. My credit is clean. I do not wish to be contacted by this number.
Product: Debt collection

XXXX claims they are collecting a debt and or servicing a debt for XXXX as a result of transfer from Bank of America. XXXX has not provided a servicing agreement between them and the alleged noteholder. On XXXX XXXX, XXXX, XXXX 's counsel sent an abandonment of Acceleration referencing acceleration of XXXX XXXX, XXXX that was accelerated by their predecessor. Bank of America 's acceleration is irrevocable for the following reasons : 1. Bank of America exercised the remedy to foreclose on the propoerty on XXXX XXXX, XXXX. 
2. BOA 's agent executed a foreclosure deed on XXXX. 
3. XXXX was awarded Judgment of Possession on XXXX/XXXX/XXXX. 
4. I detrimentally relied on the foreclosure sale and subsequent post-foreclosure eviction. 
5. I filed a lawsuit on XXXX XXXX, XXXX, to stop a wrongful post-foreclosure eviction that is currently pending to date against XXXX 's predecessor.