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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute certain accounts that are held by your company. The accounts in question are as follows : XXXX XXXX, NA XXXX : late payment account BANK XXXX XXXX XXXX : charge off account XXXX XXXX  XXXX : inquiries on XX/XX/XXXX I believe that your company has violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and/or the Fair Credit Billing Act ( FCBA ). 

The specific violations that I believe have occurred are as follows : With respect to the XXXX XXXX, NA account, I believe that your company has violated the FCRA by reporting a late payment on my credit report when the payment was made on time. This has caused my credit score to decrease and has made it more difficult for me to obtain credit in the future. 
With respect to the BANK XXXX XXXX account, I believe that your company has violated the FCRA by reporting a charge off on my credit report without providing me with proper notification and an opportunity to dispute the debt. This has caused significant harm to my credit score and has prevented me from obtaining credit. 
With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by making unauthorized inquiries on my credit report. These inquiries were made without my permission and have caused my credit score to decrease. 
As a result of these violations, I have suffered financial harm and/or other damages, including being denied credit and having my credit score decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

File Number : XXXX Ref : XXXX XXXX Amount {$110.00} Reported on XX/XX/XXXX To Whom it May Concern, The enclosed letter was provided to me from Transunion in response to a dispute I filed concerning an item that was erroneously being reported on my credit report. 

I filed the dispute online through XXXX on XX/XX/XXXX and they didnt complete their investigation until XX/XX/XXXX, a total of 33 days. 

Because the law states that a credit bureau has 30 days from the time they receive a consumers dispute to conduct an investigation and not 33 days the credit bureau is violating my rights as a consumer and therefore the referenced account should be removed from my file so as to not cause me any more undue hardship. 

Thank you kindly for your assistance in this very important matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX below sent to creditor XXXX XXXX XXXX response to request or any communication. 

Accounts Resolution, Please escalate this to the offices of the executives. 
I received a Notice of Default and Right to Cure Before Repossession dated XX/XX/XXXX. THIS NOTICE IS AN ERROR. 
In XX/XX/XXXX, I called XXXX because of a medical hardship and asked for some assistance. I was asked questions regarding my bills, income, and reason for request. I was granted XXXX months of small payments of {$35.00}, then returning to normal payments in XX/XX/XXXX of {$310.00}. I was assisted by XXXX XXXX from XXXX. I have been told after the fact and days later, she said made an error in the calculation after I made my agreed hardship payments, see email below and you accepted my payment. 
I started XXXX and XX/XX/XXXX with my original payments of {$310.00} and am in currently in good standing. If your representative did make a mistake, I never received an email or letter and why did XXXX accept my payments. 
Notice of default states I owe {$880.00} by XX/XX/XXXX. I have spoken with no less than XXXX representatives to resolve this matter. I went to a branch and ask them to call the RV loan department. I have filed a claim with the offices of the executives and still no resolution. Again, I would expect a company like XXXX to honor their word. I am a good customer and always paid on time but had a XXXX XXXX XXXX XXXX  XXXX ) and needed help. 
Please call me at ( XXXX ) XXXX. If I miss your call, leave me a voicemail and I will call back. I am asking not to speak to customer service representative but a XXXX and above for resolution. 
Thank you, XXXX XXXX XXXX is a copy of the email receipt of my hardship payment accepted. 

XXXX XXXX XXXX XXXX XXXX  Payment/Hardship/Accepted XXXX XXXX message XXXX XXXX XXXX To XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX at XXXX XXXX  This payment was for the amount of the amounts of the hardship for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX = {$100.00} XX/XX/XXXX start over {$310.00} -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX Date : Fri, XX/XX/XXXX at XXXX Subject : XXXX XXXX Loan Pay Confirmation XXXX To : XXXX Dear Customer, Thank you for using XXXX XXXX Loan Pay. 
Details of your payment for Loan Account Number XXXX are below. 
Payment Date : XX/XX/XXXX Payment Amount : {$100.00} Loan Account Number : XXXX Payment Account : Checking XXXX Payment Reference ID : XXXX If you have any questions concerning your payment, please contact us at XXXX. 
To explore other ways XXXX Bank can help, please visit us at bmo.com. 
Thank you, we appreciate your business. 
Please note : This email message was sent from a notification-only address that can not accept incoming email. Please do not reply to this message.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are too old to be on the report : 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
Product: Credit reporting

Refusing to delete account info from my credit report. XXXX has willingly deleted all the info from my report and notified XXXX credit agencies. Equifax has not and would not delete the information. I have disputed twice with them already. The only thing that they do is they " verify that the information is correct ''
Product: Mortgage

On XX/XX/2020, I paid the property taxes for the a property I own. The tax office for XXXX County ( South Carolina ) shows this payment on XX/XX/2020 from their website as expected. I forgot this particular property was escrowed and the escrow agency disbursed a payment on XX/XX/2020. I have contacted XXXX County they have told me they return all duplicate payments to the sender. 

The loan servicer is not assisting with checking the status of the check, and will not refund accordingly. They say they have to wait until the check is returned before anything can happen, which makes sense but it's been over a month and they do not have any information for me on next steps. I am concerned this return may have been lost and I do not seem to have any other options at my disposal to get a refunded payment.
Product: Credit reporting

I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return XXXX of the XXXX receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.
Product: Money transfer, virtual currency, or money service

I was scammed XX/XX/XXXX for two transactions off {$200.00} from a zelle scam. I was selling an item on XXXX XXXX  XXXX and the buy had a fake zelle account making me send extra money for a business account. Ive contacted my bank before and they said there is nothing they can do about it and its up to zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account unknown to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX stated they stopped collection on my account. I would like XXXX XXXX to provide me with a letter stating the facts. 

The letter should address : -Date they sent account out of their offices -Reason they sent account out of their offices -To whom they sold account to - That they no longer have rights to account and I am not responsible for any payments to them This account is being pursued by multiple collection agencies and I had already disputed it being mine previously. This is not my debt.
Product: Credit reporting or other personal consumer reports

I have filed the correct fraud paperwork per the FCRA to remove fraud from my credit report that was caused by identity theft. They paperwork has not been processed properly and I have not been given copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this letter it to dispute unauthorized inquiries on my credit report. On XXXX XXXX I retrieved a copy of my credit report and discovered 1 inquiry that I have no knowledge of. Because I did not apply for credit with Wells Fargo Dealer Services, Inquiry date XX/XX/2021. I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into the creditor inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. I have also listed a copy of my updated credit report.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of Violations and Request for Remediation Dear Plus Four, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Plus Four has handled my credit information. It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and California Civil Code 1785.13.2.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and California Civil Code 1785.13.2. I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and California Civil Code 1785.25 ( a ). I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). 

Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by Plus Four besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action. 

Moreover, I insist on Plus Four providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( XXXX ) ( A ). 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Credit card

My Capital One credit card begin charging me a {$40.00} late fee and increase from {$25.00}. I asked for a credit and one credit was applied to my Capital One Quicksliver card but not for my other Capital One card. These credit card company are making it impossible to get ahead when the continue to charge a ridiculous amount on late fees. They didnt inform me of the sudden increase. Capital One has a history of theses practices.
Product: Checking or savings account

I received a TARGETED   postal mail offer in XXXX of XXXX that advertised ( directly to my name at my address ) a offer of opening a new TD Bank checking and savings account. The offer stated I would receive {$400.00} bonus added to the new checking account and {$200.00} added to the new savings account. The terms stated I had to have direct deposit to the checking account and for the savings account I needed to transfer in {$20000.00} of outside funds and it could take up to 150 days from the account opening to be awarded the amount. 

I was previously a TD bank customer and brought the mailer in to my local branch and inquired if I was in fact eligible due to the previously closed account. They told me they needed to contact a promotions team and they would get back to me and collected my phone number and made a copy of the mailed offer. Later that day the branch representative called me and told me that they confirmed that I was in fact eligible for the offer and he needed to schedule an appointment with me to create the account and make sure he had the promotions attached correctly. 

The next day ( XX/XX/XXXX ) I went in and made the account. The direct deposit activity requirement for the {$400.00} checking bonus was completed on XX/XX/XXXX. The {$20000.00} savings account deposit was completed by XX/XX/XXXX to fulfill that offer. 

The {$200.00} savings offer was loaded to my account on XX/XX/XXXX but the {$400.00} offer for the checking was not. I reached out to support at that time and they told me it looks like I did fulfil all requirements but per the terms we need to allow up to 150 days and to contact back on XX/XX/XXXX to allow them to exhaust the 150 days and they would then research it. I contacted back on XX/XX/XXXX and asked them for a update as I still have not received the promotion and they responded they would investigate it. On XX/XX/XXXX they replied back stating that because I had a checking account with them on on XX/XX/XXXX ( almost 2 full calendar years ago ), I was ineligible to receive this new bonus. 

I want to reiterate the point that I received this as a TARGETED mail offer. They sent this to my name at my address knowing previous account history. Knowing this, I spent my time to travel to their branch and asked this very question : " Would I be eligible because I had a previous account? ". They told me they needed to look in to this further and contact a specialist and they got back to me later and scheduled an appointment for me to come back and open the account... IE waste more of my time... the next day. TD Bank clearly bait-and-switched me in order to have me not only waste my time and efforts of transferring money and setting up direct deposits, but then strung me along knowing that I would not receive the bonus after they PROMISED me the bonus.
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 u

nder 15 USC 1681. 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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
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. 
Delete this at once! 

Listed below are the Accounts that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX, XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXXXXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was contacted by Bank America fraud department from texting number XXXX about 3 transactions at XXXX on my credit card. I replied to the text stating that I did not make those transactions immediately and followed their instructions to give them a call to protect my credit account. The card number was immediately closed and a fraud claim was filed for 3 transactions that totaled XXXX. Then I received a letter dated XX/XX/XXXX stating that they were denying my claim because " it is consistent with my account history ''. I have made 4 real purchases at XXXX during the whole of year XXXX not 3 purchases for the exact same amount on any specific day. I called again to dispute this claim again. Then I received a letter dated XX/XX/XXXX that once again denied my claim. This time the reasoning provided was that they confirmed that " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who permission to use the card ''. This is not true so I called again and requested to learn how they were able to confirm this and requested that they once again reopen the investigation and provide me with the evidence that they have that proves I made these purchases. Then I received two additional letters both dated XX/XX/XXXX. The first one said that " You requested the documents we used to resolve your claim, but unfortunately there aren't any to send you. '' The second letter once again told me my claim was being denied " Based on your account history, this charge is consistent with the previous charges with this merchant. I am very frustrated because Bank of America was the ones who initially were able to determine that these charges were suspicious when they sent me those text back on XXXX and reached out to me to confirm them and I confirmed that they were fraudulent. But now they are try to claim I did make these charges but won't share there evidence with me other than stating I have a history with this vendor. I like most Americans have shopped at XXXX however 4 times is not like I have a strong history with them. I have a really hard time proving I didn't do something and they have not shared anything with me that would prove or even provide any evidence that I made these purchases and initially on XX/XX/XXXX Bank of America had reasons to believe that these were not my purchases. I would like Bank of America to resolve these fraudulent transactions in my favor.