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

New Complaint : Subject : Urgent Consumer Protection Matter - Unacceptable Handling of Complaint Dear CFPB and Trans Union I am writing to express my profound dissatisfaction with Trans Union 's egregious mishandling of my consumer protection rights. The level of malice, misinformation, and blatant lies presented in their response to my CFPB complaint ( XXXX ) is utterly unacceptable. 

Upon receiving an email from the CFPB on XX/XX/year>, I discovered that Trans Union 's response, asserting that the disputed accounts were not reflected in my credit profile, is nothing short of a fabricated tale. Contrary to their claims, my Trans Union Credit report clearly shows the disputed accounts from XXXX XXXX XXXX ( 2 accounts ), XXXX, and XXXX XXXX XXXX, all of which continue to cast a false shadow on my credit score. 

In a conversation with Trans Union 's supervisor, XXXX XXXX, I was appalled to learn that my disputes were arbitrarily canceled without removal from my profile. The admission that Trans Union openly favors creditors and offers no protection to consumers is not only disheartening but a stark betrayal of trust. 

It is deeply troubling that, despite filing multiple disputes and complaints, Trans Union insists on perpetuating this injustice. Supervisor XXXX 's suggestion that obtaining legal representation is the only viable recourse further highlights the systemic bias and discrimination at play. 

I must emphasize that this is not just a matter of consumer rights but a clear case of racism  and bias discrimination. My XXXX faith and minority  status seem to be unfairly influencing Trans Union 's handling of my case, and this is unacceptable. 

The only acceptable resolution is for Trans Union to promptly rectify this situation by removing the fraudulent accounts from my profile. I demand the removal of accounts from XXXX XXXX XXXX ( 2 accounts ), XXXX, XXXX XXXX XXXX, as well as inquiries by the latter and XXXX  XXXX. 

I insist on communication solely via email, and I expect a swift and just resolution to this matter. 

Sincerely, XXXX XXXX Email : XXXX XXXX
Product: Checking or savings account

I deposited a check from the irs from my business taxes that had been held for over 7 years and Bank of America closed my account and are currently hold my funds stating that its under fraud investigation although they where cleared and Ive also contacted the irs and have my transcripts showing my information the irs said that the funds havent been returned to them either I feel like my funds are being held to collect interest I would just like my money if the account is closed and the check cleared as of XX/XX/XXXX its now XXXX and Ive had no correspondence from BOA., and Im being forced to involve my lawyer if nothing is settled about my funds.
Product: Student loan

While I was paying on a credit recovery plan on my Texas Guaranteed loans through XXXX I was under the impression that once I finish that plan that I was going to continue making payments to XXXX to finish paying off my loans. However once I finished with the plan they transferred it back to TG without my knowledge. I had to actually call TG to find out what had happened to my loans with them. Had I been informed that would have happened in the first place then I would n't have had issues paying TG right away. This switch also happened right when we moved from one state to another so it took some time to get it straightened out.
Product: Payday loan, title loan, or personal loan

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 

Although I am not legally required to do so, I am willing to repay the principal balance of this loan.

To date, I received a deposit of {$750.00}, and have had 16 bi-weekly withdrawals of {$170.00} debited from my account. This results in a principal balance of {$2700.00}. This results in an overpayment of {$2000.00}. 

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$220.00} overpayment. A refund check of {$2000.00} should be mailed to me at the address you have on file. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan.

I must also inform you that I will be filing complaints with the XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

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

Fraudulent inquiries on credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I recently received a copy of my XXXX Equifax and XXXX credit report, and I noticed some late payments posted on my credit report. 
US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX Your company is in clear violation of the law. Under 15 USC 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates. 

Did I give your written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 US 1692g violations. 
4, .Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliaces-616. Civil liability for willful noncompliance 15 USC 1681n. 
Attached is my drivers license. A utility bill is not attached I am currently XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is falsely reporting delinquemt information on loan # XXXX as 30 days delinquent tanking my credit score. They deceptively reported XX/XX/2023 as 30 days late to the credit bureaus TWICE on XX/XX/XXXX and XX/XX/2034, tanking my personal credit score XXXX points and inflicting credit harm!!! This is a flagrant violation of XXXX practices with malicious intent as XXXX had received multiple payments and as demonstrated in screenshots i provide here. XXXX by its own records is telling me my account is current and paid in full.
Product: Payday loan, title loan, or personal loan

FCRA 611 ( 15 U.S.C. 1681I ) 5 Treatment of inaccurate or unverifiable information ( A ) If after reinvestigation under paragraph 1 of any information that is disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promply delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the re-investigation. ( ii ) promply notify the furnisher of information that the information has been modified or deleted from the file of the consumer. This debt with Cavalary Portfolio collections hasn't been verified as a legitimate account. The company has not be able to provide the original contract between myself and the lender. Nor have they been able to provide a written statment from the creditor, identifying the collection agency as the legal owner or collector of the account. I've asked multiple times of them to provide validation. The best they have been able to do is send a written statement in the mail along with an outdated bill from the original creditor. This doesn't consistute debt ownership of the collection agency nor legality. Could I pick up a bill from the curb that was found and contact that individual claiming to have legal right to collect? 
This is a summary of what I wrote to the credit bureaus. 
I XXXX XXXX am writing this letter to dispute the Cavalry Portfolio companies debt claim. The Original creditor was XXXX XXXX XXXX The account ending in XXXX was filed as a part of a XXXX XXXX bankruptcy as of XX/XX/XXXX. During that time, the amount XXXXXXXX XXXX was claiming repayment for was XXXX dollars according to the XXXX file. All late fees and interest stopped when the account became apart of the bankruptcy. The amount of XXXX that Cavalry Portfolio claims I owe is soley based on an old bill. I disputed this back XXXX XXXX XXXX and during that time, Cavalry responded by letter that they denied any inaccuracies with the debt.I since re-disputed the debt oXXXX XXXX  I don't see where they've updated my credit report that the account is in dispute. Again, the amount listed on the credit report is inaccurate and I've included a copy of the XXXX file as proof of it's inaccuracy. In addition, the statute of limitation for a collection company to legally sue on a debt in Texas is four years. It's passed the time frame with the debt being filed in Bankruptcy court on XX/XX/XXXXXXXX With that being said, as a consumer I have a legal right to 100 % accurate reporting through credit bureau 's. I demand that this item be removed from my report or I may need to escalate this account to the Fair Credit Reporting Agency. Thank you for your attention in this matter. Regards, XXXX XXXX XXXX XXXX XXXX Notice of filing search criteria XXXX cag XXXX official form XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX acct ending XXXX total claim XXXX tracking number for XXXX XXXX letter XXXX tracking number for XXXX letter XXXX
Product: Debt collection

I reached out to Bridgecrest Financial in regards to an auto loan that was charged off and Bridgecrest Financial considered the debt a loss on their profit-and-loss statement in XX/XX/2018 to try and settle the account and they informed me that they do not take settlements and will not settle this debt. The account shows up on my credit reports as charged off as bad debt and reported as a loss by credit grantor for {$8600.00}. I do not understand why they will not take a settlement when they have already considered the account as a loss and wrote it off on their profit and loss statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ).

Bank of America : My now Closed checking and savings accounts due to fraudulent activity, which was reported by me after a few incidents, one with my debit card ( and wallet with my pin written on a note inside it, during memorial day weekend ) was stolen and then used at a different banks ATM in XXXX XXXX to withdrawal {$600.00} or more. 

After giving me provisional credit at first, it was then taken back and said they not only were they closing the accounts but that I also now owed them back the money too. Which by then I had spent it all and more 2 ). Another incident occurred when my truck was robbed and looted last XXXX, and not only was my wallet and brief case etc taken but all of the packages I got from the monterey post office that day as well ( which was a lot since I hadnt picked up the mail in several weeks after being on a extended trip seeing relatives. There was so much to pick up in fact the postal employees instructed me To actually park in their trucks loading/unloading bay for the packages to pick up the massive amount of boxes that had accumulated there ). 

Before the robbery however, i went through and noticed a few boxes mixed in didnt belong to me, and was going to return them back to the XXXX the next day. 

But turns out the thieves used my debit Card/bank statements with all my account info and other documents to break into my accounts and start depositing random peoples business checks they had gotten from the wrong XXXX mail/boxes that were accidentally put in with all of mine. I only found out later when Bank of America sent me mail that had the returned check copies in it. And then it was being investigated by local police too apparently. 

These incidents were told to the bank but they still say I owe them money and still closes my accounts. Plus the said I cant open a new account with them or elsewhere for 5 years because of all this thievery Ive had occur!
Product: Debt collection

I recently looked at my Discover Card account to see what the balance due was. 
I noticed that there was a monthly charge coming from XXXX XXXX for around {$11.00}. 
So I called Discover and they told me that the fee has been coming out of my Discover account since XXXX of 2017. Discover also informed me that there was a purchase made from XXXX charged to my account for around {$230.00} and that they had also charge some 'fee ' for around {$40.00}. 
I told the Discover card agent that I have n't bought anything from XXXX in years. So Discover is disputing the charges on my behalf. 
I do n't believe this was any accident. I asked some of my customers coming into the Post Office where I work and within 30 minutes two of them told me the same thing had happened to them. Except they had made an XXXX purchase, but later saw that XXXX XXXX was charging them a monthly fee that they had n't requested. 
This strikes me as a common procedure to steal money from unsuspecting people. Imagine the senior citizens that would likely never suspect that a company as large as XXXX was consistently stealing from its customers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts and sending all documents in for the last year the credit bureau Equifax and XXXX refuses to delete fraudulent names and addresses from my credit reports. My name is XXXX XXXX XXXX XXXX  XXXX and my address is XXXX XXXX XXXX XXXX , NC XXXX and they refuse to delete all other fraudulent names and addresses as requested. I have raised concerned with them that this is fraudulent activity and wanted it investigated because it had to be from Equifax data breach of people credit profile being hacked and they still refuse to delete these fraudulent names and addresses!! and XXXX also has refused to delete the same
Product: Debt collection

PORTFOLIO RC is claiming that I owe them {$440.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

I dont know why this debt is in my account I am completely unaware of this, this is effecting my credit. I dont know why I am this is my account.
Product: Credit card or prepaid card

Bill payment in amount of XXXX made on my XXXX XXXX account on XXXX. Current balance as of today, XXXX, shows XXXX. However, the payment does not show posted yet no payment due, credit available is- XXXX I've tried to locate payment, unable to do so as well as live rep spoke with today.
Product: Mortgage

In XX/XX/2020 the mortgage company sold to a new company. I received a letter at the end of XXXX from the new company stating that payments for XXXX could not be recieved by them until XX/XX/XXXX and after. I made the payment on the phone on XX/XX/XXXX and it is credited on my account when I view my statement on the website. At the end of XXXX, I received the payment coupon for the XXXX payment. It stated I needed to pay {$450.00}. XXXX. I called the company after looking on line and seeing a totally different amount to pay. I did not receive a return call. I emailed the company on XX/XX/XXXX and received a letter in the mail on XX/XX/XXXX stating that the mortgage company received my inquiry and would get back to me. They have not and it is XX/XX/XXXX! I sent in the coupon they gave me with a check for XXXX which was cleared by my bank on XX/XX/XXXX. The check was sent before the due date. This amount is not shown as credited on my account as of today, XX/XX/XXXX. In fact I received the statement for the XXXX payment stating that i had made no payment in XXXX and now owe {$1200.00}. XXXX ( i assume their is also a late fee in there ). I emailed the company on XX/XX/XXXX. I emailed the company on XX/XX/XXXX and I called the company on XX/XX/XXXX with no answer and no replies back to me in any way about what the issue is with my statements and the website since XXXX.
Product: Credit card

My husband XXXX XXXX had a Care Credit account in his name, I was never listed on the bill or had a card in my name I was an authorized user. My husband passed away in XXXX of this year with no assets there is no estate or probate. I sent a letter to the company with a copy of the death certificate and notified the there are no funds to pay this bill and ask them to close the account. Instead they put the account in my name without my permission and are now holding me responsible for the bill over {$8000.00}. Bill collectors calling day and night. I spoke to someone in customer service today and explained the situation again and was told that it was a joint account - I asked for proof - it will take 40 days to mail me a copy of something showing that i am responsible for the bill. They wo n't put a hold on the account until I get that info and the late fees keep adding up and they told me I would be reported to the credit reporting agencies. I can not pay this bill and Care Credit. In XXXX Care Credit became associated with Synchrony bank and sent new cards - this time there was XXXX for me that I have never requested and have n't This compnay will not work with me any way - they want their money and that 's it. I need help. I consulted an attorney through my legal services plan and he advised me that I am not responsible for debt that was in my husbands name or any debt that has me listed as an authorized user or secondary name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching in regard to EQUIFAX. XXXX, AND XXXX! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!
Product: Mortgage

Entered an application XX/XX/XXXX with XXXX XXXX at BOA. They took our info and we got a PreQualification for XXXX. Through the process it was known we were in XXXX  and the home we wanted to purchase was in XXXX and my XXXX was XXXX. At no time within XXXX weeks ( denial on XXXX ) were we told we would not be able to get an XXXX loan due to my XXXX not having current work in XXXX At every turn they needed more money, more documentation, more information and i almost XXXX XXXX XXXX XXXX. They needed us to show funds in our account- i got a XXXX XXXX from my XXXX and i liquidated my XXXX for XXXX which XXXX was removed for taxes. This was all done per BOA needing to restructure the loan or get XXXX down. This is all the while bills are generating for Inspections, Appraisals ( which BOA took {$700.00} from me up front and only cost {$400.00} ), title work who knows what else. On XX/XX/XXXX i got a call and a denial i sent a letter to the BOA XXXX office. XXXX XXXX reached out took our complaint and she said she'd get back me. XX/XX/XXXX she stated the dept said my loan was not " saleable '' and no path forward but was checking on other options and i'd get a call on XXXX. XXXX came and went with no call and on XXXX my BOA home page no longer had the Mortgage info so that was my clue there was a denial. XX/XX/XXXX XXXX called and emailed me my denial letters and apologized for not calling. I told her this should never had taken so long since other financial institutions i called for help stated BOA should never had gone this far. I want to recoup my {$700.00} Appraisal Fee, {$380.00} Inspection Fee, {$320.00} Title Work, and {$3000.00} XXXX liquidation fed taxes back for the debacle that is my declined XXXX Loan. Ive banked with BOA for quite awhile and this has been notably the worst experience Ive ever had. Unprofessional and they are obvious not experts on XXXX loan criteria. I feel even worse for the Sellers for the let down and time wasted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX  claimed that they did a reinvestigation for my XXXX student loan and show the balance as {$1100.00} .XXXX  is commiting fraud they could not have actually performed a investigation because I have a screen shot proof that the balance was XXXX at the time that I filed my dispute.XXXX  continues to claim that they are performing a investigation and they are not actually completing a investigation on my disputes.