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

XXXX XXXXXXXX XXXX, XXXX, XXXX  TransUnion Consumer Solutions Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) 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. 
15 USC 1692g Validation of debts.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Addressing Late Payments and Violation of Consumer Credit Law Dear [ Recipient 's Name ], I hope this letter finds you well. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I am writing to bring to your attention a matter regarding late payments on my account ( Account number : XXXX ) with XXXX XXXX. According to my understanding of the United States Code Law, specifically 15 U.S. Code 1605, there should not be any late payments if a finance charge was involved. The finance charge is defined as the sum of all charges related to a consumer credit transaction. 

The law specifies that the finance charge includes various charges such as interest, service or carrying charges, loan fees, investigation fees, and more. In essence, the finance charge covers all fees directly or indirectly payable by the person to whom credit is extended. 

Considering this, I believe that the late payments on my account, dated XX/XX/XXXX and XX/XX/XXXX, should not have occurred if a finance charge was involved. As per 15 USC 1605 ( a ), I request that these late payments be removed from my consumer report.

As a consumer, I am aware that accounts mentioned in this letter must be updated to " paid as agreed '' immediately under the law. Failure to do so may lead me to seek monetary damages for the violation of my rights under 15 USC 1605 ( a ) in small claims court in my city and state. I am prepared to take legal action under 15 USC 1681n civil liability. 

Furthermore, I have already submitted this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I appreciate your prompt attention to this matter and expect the necessary actions to be taken promptly. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

The account in question is the California Unemployment Benefits ( CA XXXX ) card that was issued to me from Bank of America when I was on XXXXXXXX XXXX after the birth of my XXXX XXXX. This was XXXX years ago. I have called Bank of America and requested the account be closed. They say they can not close it and I should contact the CA XXXX to close it. Then I call the XXXX and they tell me that they can not close it and I must contact Bank of America to close the account. So they're literally giving me the run around all while refusing to close this account. Meanwhile I get monthly statements asking me to log in to see my account which I can't even access. This is reminiscent of the XXXX XXXX situation where they opened accounts without customers knowledge or authorization and refuse to close them just so they can have an elevated number accounts on their books for the purposes of looking larger than they are. Please help me get this account closed. I will likely never use it again because I own my business and will likely never be unemployed.
Product: Credit reporting or other personal consumer reports

. I am requesting that midland credit management provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

2018 opened my auto lease account with XXXX XXXX, 6 months later I totaled it. I had full coverage insurance for the vehicle under my fathers policy with me as the driver. The insurance company did not pay per the {$1000.00} deductible agreement. The auto loan was for around $ XXXX. They paid about {$9500.00}, leaving over {$6000.00} remaining owed on the loan. XXXX XXXX did not properly investigate and instead tried to charge me the remainder. After refusing to pay since I had full coverage insurance, which they have proof of, they wrote off the loan as a loss. I was falsely charged with a debt that should have been paid by insurance. The insurance company refused to speak to me after I reported the wreck. They only spoke with my father since it was listed under his policy. Im unaware of the communications my father and the insurance company had.
Product: Debt collection

DIVERSIFIED CONSULTNTS #XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX Placed for collection: XX/XX/XXXX Responsibility: Individual Account
Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Cable/Cellular) Past Due: >$XXXX< Pay Status: >In Collection< Remarks: >PLACED FOR COLLECTION<

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX and XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.
Product: Mortgage

My mother passed away in XXXX of XXXX. I am the trustee of her estate, which includes a property subject to a mortgage serviced by PHH Mortgage ( PHH ). I mailed all requested documentation to PHH Mortgage in XXXX of XXXX  to verify my successor status. I have made payments, but have not received a statement in months. I have requested that they accept me as the successor in interest, and they have no reason to dispute my claim. I recently learned that PHH has reported a delinquent payment. THIS IS AN OUTRAGE!! I have waited almost six ( 6 ) months for a response to my letter, with attendant documents, which was sent to your office on XX/XX/2022. I have multiple forms of confirmation that these documents were sent to you in a manner which satisfy the California Evidence Code. 

This is clearly a defamation of the estates credit you know very well from my letter FROM ALMOST SIX ( 6! ) MONTHS AGO as well as my subsequent conduct of sending payments WITHOUT THE BENEFIT OF ANY MONTHLY STATEMENTS. 

At this point, it seems clear that it is PHHs intent is to foreclose on the property due to nonpayment after this oppressive practice. This is a violation of Californias Unfair Business Practice Act, California Business and Professions Code 17200 et seq. as well as an obvious violation of California Civil Code 2920.7. I feel that the CFPB should intervene.
Product: Credit card

XXXX XX/XX/2023 i applied for an Amax card. the reference number is : XXXX I tried to call American Express XXXX and the rep was very rude and would not give me a supervisor. With that being said my issue at hand is to the decision and reasoning for my denial to access my securities. I understand that there is a 3ed party who gave your company a XXXX score and this is the reason for denying me. 

Regardless of the reason i was denied i understand and im not concerned with that. I have the right to credit and that right was declined. I am trying to access my securities and my right to credit has been denied. As i sit here and i read the equal credit opportunity act i realize that its discrimination to deny me access to my credit or securities ( 12 cfr 1002.4 ). Withholding me access to my securities is Securities Fraud.

American Express American Express is violating the Equal Credit Opportunity Act and Consumer Protection Credit Act. Since you are denying me my credit, please retract my application or do a review of my application accordingly. 

Thank You By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with XXXX Credit Report act XXXX Account # 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 reporting, credit repair services, or other personal consumer reports

i sent out disputes on XX/XX/21 and haven't heard anything back in 71 days, I feel like im being ignored of my disputes. in section 611 ( a ) its plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove from my credit report, i demand these accounts be deleted promptly or i will file for litigation, my information was also impacted by the XXXX data breach
Product: Bank account or service

I was involved in a XXXX. I was asleep and my apartment was broken into. Many items were stolen including my debit card. It is a CHASE debit card and when I called to freeze my card they asked me several questions about the last payment I made. The CHASE employee on the phone talked fast and had a strong accent. He asked me about a certain charge but never said a time or place and I misspoke and said that charge was made. This call happened around 8 hours after the incident and I was still shaken up from it. There was {$480.00} taken out of an ATM that was not me and was fraudulent. CHASE denied my claim because I misspoke about another charge that they think I verified. I 've called them multiple times but my case is closed and there is no appeal process other than the court system. I do not want to sue them, but this whole process has taken so much of my time and has been really hard on me especially because I am a XXXX and I spend hours on the phone with CHASE. All I want is my money back, but CHASE does n't care. They never asked me for the police report even when I offered to give it to them. The evidence does n't add up because the police were called about the incident before the charge on the card happened so there is no possible way I could have made the charge. Please please help me.
Product: Checking or savings account

I closed the account on XX/XX/year> because I had been having problems with Bank of America ( I had made a complaint earlier about them and the response I got was very insignificant and not a solution to the problem ) .As I closed this account, I got an email confirmation that the account was successfully closed and to my understanding, this had ended whatever it was with this bank.Ever since I closed this account, I have been getting emails from this bank about some claims that they had left fallow for months and done nothing about.And to add insult upon injury, they had been tampering with the account before I immediately had to close this using the claims as an excuse to be withdrawing money from the account.I do not have anything to do with Bank of America anymore and any attempt by this bank to contact me in any form about anything about a closed account is going to bring about the wrath of so many consumer protection organizations and we would see the end of this.I would not be constantly be threatened and harassed by a fraudulent bank which put me through unnecessary stress and were very nonchalant about rectifying any issues they had caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ITEMS MUST BE REMOVED IN 4DAYS 15 USC 1681C-2, these accounts are not mine and I never lived nor received emails in the addressesreported. Also, I believe I did not sign any paper authorizing the inquiries. XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, two fraudulent charges were made to our Barclays credit card in the amounts of {$970.00} and {$860.00}. These two charges were to XXXX XXXX XXXX XXXX in XXXX, Texas. 
We immediately reported these charges to Barclays and they credited our account. New credit cards were issued. 
On XX/XX/XXXX, the two charges were again posted on our credit card account. We called Barclays and were informed that the merchant had verified our address and name with the credit card number so Barclays felt they were valid charges. We were told that we should reach out to XXXX XXXX & XXXX and were provided the phone number that Barclays had. 
We tried multiple times to call this " merchant '' during normal business hours and at night. The phone number goes to a voice mailbox that has not been set up and will not accept messages. We googled the address of the " merchant '' and found that it is a residential home in XXXX, Texas with no signs or indication of a business. The " merchant 's XXXX page had only 2 followers as of XX/XX/XXXX, and had not been updated since XXXX. Their XXXX page had 0 followers as of XX/XX/XXXX and does not have any activity or posts. 
We called the XXXX, Texas Police Department and were told that they know of no business in their town named XXXX XXXX XXXX XXXX XXXX. They advised us to file a police report with our local authorities, which we did. 
On XX/XX/XXXX, my wife spoke with a Barclays fraud department representative named XXXX & explained our frustration that Barclays had not investigated further. XXXX told her that the charges were for paint protection, headlight restoration, and auto glass replacement. She did not tell us what type vehicle the work was done on or provide any further information. She said we could file a claim to dispute again ( which we did ) but as far as they were concerned the charges were valid and the investigation was closed. 
We live in XXXX XXXX, Arkansas, which is 298 miles from XXXX Texas. We would not reasonably take a vehicle that far to do auto repair work. From our valid credit card charges on the same days, it is obvious that we were not in Texas at the time these purchases were made. 
We have never done business with any merchant named XXXX XXXX and XXXX in XXXX, Texas. From our own investigation, we feel this is not even a legitimate business. We regret that Barclays did not feel the need to further investigate these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been an issue since Ive gotten their service. I complained to them in writing three times & then twice to the credit bureaus. 

They are saying that i made a late payment in XXXX. I disputed this late payment, they then moved it to XXXX on XXXX and TransUnion but on XXXX reported it indeed XXXX. Making it look like two late payments. 

They also have the wrong number of debt owed. They are reporting my balance {$800.00} more then i owe & i make my payments on time every month.
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. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX  from the great state if new jersey and I have been the victim of fraudulent credit reporting. inaccurate medical debt information has been shown as a credit liability in terms of suits and typical double-dipping of insurance which is an admonishable obimination of that greed. So much so it is illegal as clearly described in the free credit reporting act. Nothing is being done and this has SERIOUSLY compromised my ability to do business as a   XXXX   Please see that someone actually does something about this and not in the ridiculously short time the major agencies allow. I do not need   XXXX  . I need the parties responsible for this to remove the petty and destructive occlusions NOW and I furthermore feel I deserve compensatory damages.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.
Product: Credit reporting or other personal consumer reports

i have filed disputes for accounts that are not accurate, and they are back on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Product: Mortgage

Well fargo wo n't apply my payments when they are received. I had file complaint number XXXX with consumer finance and Well Fargo reported the payments where applied and credit agencieys were notified. Now the next payment I made goes to unapplied just like EVERY PAYMENT i 've made for three years!!!!!!!!!!