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

I am writing regarding my recent dispute involving an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX. On XX/XX/year>, I submitted a formal dispute to TransUnion, identifying this account as fraudulent. Following this, on XX/XX/year>, the account was deleted from my credit report after I submitted an FTC Identity Theft Report. However, I was not notified of the account deletion, as required by Section 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ), which mandates that consumers be informed of the results of any dispute investigation. 

Additionally, I am formally requesting all documentation related to dispute number XXXX, in accordance with my rights under 15 U.S.C. 1681g, which entitles consumers to access information in their file, including the results of any investigation and the source of disputed information. 

On XX/XX/year>, at XXXX XXXX XXXX, I spoke with a supervisor at TransUnion regarding this account. The supervisor informed me that the creditor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, had reinserted the account into my credit report. Despite my concerns, the representative stated that " TransUnion does not investigate disputes '' and that I would need to wait 30 days for the creditor to respond. This statement appears to conflict with the requirements of XXXX XXXXS.C. 1681i ( a ) ( 1 ) ( A ), which obligates a consumer reporting agency to conduct a reasonable reinvestigation of any disputed information unless the dispute is deemed frivolous or irrelevant.

Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires that, if a deleted item is reinserted into a consumers file, the consumer must be notified within five business days, along with the reasons for the reinsertion and the source of the information. As of the date of this letter, I have not received any such notification.

I respectfully request immediate action to rectify this situation, including : 1. Documentation related to dispute number XXXX and the deletion of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account. 
2. Confirmation of the steps taken to investigate my original dispute, as required by law.

3. An explanation of how and why this account was reinserted without proper notification, per 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to comply with these requests may result in further action to enforce my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 

Respectfully,
Product: Credit card or prepaid card

I purchased XXXX travel vouchers ( {$500.00} each ) with XXXX ( now out of business ) for ecotravel that gives back to the community it serves. The travel vouchers were to be used by myself and my XXXX adult children. I purchased the vouchers on XX/XX/XXXX, as a XXXX gift, with my Capital One credit card. 
The vouchers were to be originally used towards a trip to XXXX in XXXX, for myself and my daughter, and the remainder vouchers were to be used on a later trip, by my XXXX sons. The trip to XXXX was cancelled by XXXX, due to international covid travel restrictions. The company promised the vouchers would be available for later use, once the pandemic subsided. The following year ( XXXX ), XXXX experienced the worst of the pandemic and that crushed another planned trip with XXXX for us. XXXX reassured us that the vouchers would remain valid for future trips. 
The XXXX went into liquidation in the fall of XXXX, as they apparently invested the monies received for trips that never materialized in XXXX and lost millions of dollars that belonged to unsuspecting consumers, like myself. There will be no refunds for any of us, from XXXX, as it no longer exists. 
I sent a letter of appeal to Capital One in late XXXX, disputing the charges and requesting a refund. While the company investigated my appeal, they returned the {$2000.00} plus interest charged. They asked for further documentation, in order to continue the investigation and gave me a month to do so. At this time, I was traveling back and forth to help take of my XXXX father ( out of state ) and did not return the documents, in the time given. My father passed in XXXX and Capital One returned the charges to my account again. They suggested that I attempt to collect the money from XXXX, a company that no longer exists and is still in liquidation process. Capital One has informed me that my case is closed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting old accounts that should no longer be on my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

They Violated The Educational and Privacy Act of 1974.Also the Privacy a Act of 1974 The Account is coll/charge off, which is considered a Certificate of Indebtness, which means it's income and has to be Removed ASAP
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

Prior Covid-19 all our payments were automatic and never been a day late. When everything started we got a deferment letter from XXXX XXXX that would release us from payments of XX/XX/XXXX and XX/XX/XXXX with the new payment date at XX/XX/XXXX and supposed to be automatic accordingly with the conversation over the phone. But unfortunately it didn't go thought and it was reported 30 days late by the company. We only received a call after 30 days late and made payments of late and current month while we spoke with the person over the phone ; they were demanding a credit or debit card over the phone and we said no because we were at computer and this person got upset regarding that ; We deny provide a card over the phone due we were capable of make payments at same time we spoke with them. Week later it shows up on our credit report as 30 days later. We never been a day later on any account with them and we are about to replace the car with the same company which makes me wonder if I should do because what's happening.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service practices, which violate the Consumer Financial Protection Act ( CAFPA ). Specifically, Cash App failed to take a timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am a XXXX account holder with critpocurrencies ( bitcoin, and ethereum ). I live in XXXX. My XXXX account has been blocked since XXXX. XXXX says it's under review and dont let me access my money. XXXX also don't tell me what is wrong. If I can't find out what the problem is, I can't fix it. 

In my opinion there is no problem at all. My account its been fine since the first day I sent XXXX XXXX. Nothing has changed. 

I have sent XXXX many complaints and they always tell me to wait a few days. The result is always the same. XXXX do not solve the problema and dont let me access my funds. Also, my money is exposed to what happens in the market, I feel hurt. XXXX allways says is going to do something but its been almost five months since I cant get my money. Cant understadn this could happen in the USA, and cant understand this happen with XXXX, a XXXX listed company.
Product: Vehicle loan or lease

I accompanied my son to XXXX XXXX in XXXX Tx to look for a used car. As we began to looking around I informed him these cars had too many miles on them but my son wouldnt listen due to his need for transportation. So my son settled on a car he found and he went to do the paperwork in mist going over my son finances and paperwork salesman tells my son he needs a co-signer. So reluctantly I signed the paperwork for co-signer but I was told after 6 month I would be taken off the loan and my son would be responsible for his loan. Eventually, Lobel Financial a finance company contacted me about purchasing a XXXX XXXX. I told them Im not the owner of this car my son is. They said I was the owner of the car. I told salesman specifically that I didnt want the responsibility of owner of this car I explained to him that after working XXXX yrs on my job I was going to reward myself with a brand new truck. 
I would never step foot into a place like XXXX XXXX, as stated before all the vehicles had too many miles on them that salesman showed my son. I also have a verbal recorded conversation of me talking with the salesman telling him that I didnt want to be the owner of this car and he stated I would be taken off the loan after 6 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report.CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$260.00}
Product: Credit reporting or other personal consumer reports

Im positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized inquiry from TELECHECK Services LLC on XXXX this UNAUTHORIZED inquiry has affected my credit profile and is affecting me from using my credit. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Product: Bank account or service

I deposited money into my checking account making my checking account XXXX total and a debit was posted to my account for XXXX almost XXXX hours later and BBT told me that the deposit will always post first before the credit. That is unethical and an easy way for the banks to get more overdraft fees from there customers. I had more then enough money in my account and they still charged me an overdraft fee and took money out of my savings when I had more then enough in my checking. Whether I deposit cash or not they told me it 's not readily available for use after XXXX that 's total nonsense and I 'm not the only one having this problem with BBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information being reported on my credit report is inaccurate. This includes old addresses, alias names, and accounts that are reporting in violation of my rights consistent with FCRA. A request was made citing the law and the accounts and inaccurate information listed. As of this date I have received no information from the credit agencies. The erroneous information is a violation of my rights and I request that unlawful information be deleted immediately from my credit report.
Product: Credit reporting or other personal consumer reports

This is my complaint regarding being a victim of erroneous credit reporting. Under Section 605B ( a ) of the Fair Credit Reporting Act, you are required to remove any items that were opened without my knowledge, consent, or authorization within four business days upon receipt of the following : ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the disputed information by me; and ( 4 ) a statement from me asserting that the information is not related to any of my transactions. The following items are inaccurate and need to be removed : Experian : XXXX XXXX XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ;XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} -- -- -- -- -- XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ; XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$2400.00} ;XX/XX/XXXXXX/XX/XXXX. If you assert that these items are entirely accurate and verifiable, I request copies of any documentation associated with these items that bear my signature, as I believe such documentation does not exist. If no signed agreement bearing my signature is found, these items must be removed from my file. Please note that I am sending this attached letter via certified mail to protect my rights. Based on my research, it appears that non-compliance with the aforementioned FCRA statute is a recurring issue. Should you fail to address my request, I will escalate this matter to my attorney for further action. Let us avoid making this a litigious issue. You have four business days to remove the reporting of any items in my credit file that stem from incorrect credit reporting. I do not consent to E-OSCAR or any automated verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan account is reporting a late payment on 9 different accounts during the time of COVID. I reached out to the Credit Bureaus no update o even emailed the the XXXX XXXX on XX/XX/XXXX who stated that they cant have the account updated. According to the Student Aid website loans are paused with 0 interest. I have never been late on my payments always been in deferment. Please provide me with an update
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this CREDIT BUREAU along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and these creditors and CREDIT BUREAU are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this credit bureau, these company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from these creditors and credit bureau, and assisting to furnish wrong and fraudulent accounts. I demand all accounts be removed ASAP. 

Specifically, I refer to the following account : FRAUDULENT ACCOUNTS : 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 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 These above addresses are fraudulent, and these perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was incarcerated for 10 years ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Credit reporting or other personal consumer reports

Experian has not received written instruction to furnish a consumer report on my behalf in doing so Experian is actively committing identity theft
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to delayed posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to urgently follow up on my previous dispute regarding the unresolved negative accounts on my credit report. Despite multiple attempts to rectify these issues, they remain unresolved, causing significant distress and negatively impacting my credit score.