23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On or about XX/XX/24 and XX/XX/24 a dispute for charges in the amount of {$40.00} was submitted for merchant billing ( XXXX ). The dispute was denied on multiple occassions. 

Customer sought remedy with merchant ( XXXX ) wherein a settlement was agreed upon in the amount of {$85.00} which was to include : a {$26.00} credit to remain in the XXXX account for upcoming bill ; and {$40.00} for disputed transaction ; and remaining funds as a XXXX time courtesy for the inconvenience which would be returned to the Wisely account with XXXX hours per the conversation with supervising agents. 

On XX/XX/XXXX as per the agreement, a refund confirmation of {$3.00} and a separate confirmation of {$55.00} from XXXX was recieved by customer. Only {$3.00} was recieved into the account. The remaining {$55.00} was not. 

Soon after, Wisely decided to then honor the dispute months after denieing resolution providing a {$40.00} credit which is believed to have been taken from the funds provided from XXXX. It is believed thatvWisely took credit for those funds provided by XXXX in the amount of {$40.00} and failed in addition to make available the remaining funds. Both processes if in fact accurate are illegal and a breach of trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX ( report # XXXX ) and TRANSUNION ( file # XXXX ) to verify an account reporting on my consumer report for errors by XXXXXXXX XXXX XXXX After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in two different times and written off amount are completely different. 

XXXX claims this XXXX has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. XXXX continues to update this account without correcting the error. 

For this XXXX account to be valid and continue to report, It needs to be the same across the board. Because XXXX and TRANSUNION have validated the same account reporting inaccurately with errors. 

I am asking for the immediate deletion of this account.
Product: Credit reporting or other personal consumer reports

I am writing to complain to XXXX/ARIVO ACCEPTANCE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX. The FTC report number related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

Debt collector is attempting to collect for a towing company that towed a vehicle that i no longer owned. I sold the car to an individual and the individual that I sold the car to, got it towed. I tried explaining this to the debt collector but they did n't care, stating that i was the registered owner at the time. Which is not true and I have documentation to prove it. I have a copy of the certified document from the DMV that shows that I sold the vehicle on XX/XX/2016. The vehicle did n't get towed til after that. The Dmv clearly states that the previous owner is no longer responsible for any tickets or issues pertaining to the vehicle after the date that the vehicle is sold. My paperwork states that the car was sold on XX/XX/XXXX. The collection company is trying to collect for the car being towed after that date.
Product: Debt collection

Requested that they stop calling me as they have no information pertaining to my issue. They stopped calling for a few days and then started again. They call multiple times per day and if or when I answer the phone, nobody says anything and they hang up in my face.
Product: Debt collection

Portfolio Recovery Associates added an account on my credit report for an alleged debt I do not owe. I do not owe them any money. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. They are deceitful and abusive and are flagrantly violating the Fair Debt Collections Practices Act.
Product: Mortgage

Good afternoon, We fallen behind on our mortgage payments and recently applied for a loan modification or any type of aid to bring our account current. We were denied due to we have equity in the home. Recently our loan was transferred to another lender and the new lender will not approve a loan modification or an affordable repayment plan. We bought this property back in XXXX and we have lived there for 20 years and the majority of our time in this property our property has been in negative equity due to the fallen back in XXXX. We never let go of the property and now that we encounter some health issues ( XXXX ), lost of job, XXXX set backs and just increase of our bills we fallen behind. We are asking to help us and that once we can bring our account current we can continue making the payments on time. We just need help right now. This property like that mentioned is more than that for us, is a safe home for my family and furry friends. We have loss so much money on this property to maintain and keep it. While a lot of people were given up their homes back in XXXX - XXXX we decided to just keep paying and keep the home. We have fought so much for this property to end at the end by loosing due to foreclosure or because the Lender was not willing to help us. Through all the recent challenges we have faced, we are now seeing the light at the end of the tunnel and want to keep our home and safe it. We can pay the home moving forward. Please help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX did a inquiry on my credit on XX/XX/22 and on XX/XX/22 without my knowledge or approval.
Product: Mortgage

Interest rate was never locked when discussed to lock. Locked after the fact. Increased interest rate. When asked to talk to manager no one called, the day of closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX DATE ASSIGNED XXXX XXXXXXXX, XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Timing Issue : The payment was made on time, but it was processed late due to a bank processing delay. I have attached a bank statement showing the payment was made before the due date. 

Miscommunication : The payment was marked as late due to a miscommunication between the creditor and the bank. The creditor has acknowledged this error but has not corrected the report with the credit bureau. Attached is a letter from the creditor acknowledging the error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am complaining about transunion credit reporting. They are still showing an account as open and in collections on my credit report when it was included in my bankruptcy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have disputed this twice and no other credit reporting company us showing it. I have provided my bankruptcy dischard papers and they still will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Person use my social security for opened bank account under my name result fraud identity I need fixed problems List bank account opened 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

There is a mortgage account being reported on my credit report by XXXX, TransUnion, and XXXX that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I recently filed a complaint with CFPB on XXXX/XXXX/17 regarding two accounts with Midland Funding. First account amount resulting in {$630.00} and second amount {$580.00}. Midland responding with " Cease and Desist '' but stated I still owe for these accounts even though per Midland Funding policy " we stop credit reporting on accounts that are more than two years past date of delinquency. The response also stated to refer to an law office which would mean that I was sued by them and have no such knowledge of and was n't properly notified. I have yet to be presented with proof of ownership for these accounts I also have yet to receive any supporting documentation for these accounts. Nothing has been done to verify the legitimacy of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit report that requires immediate attention and resolution. Upon reviewing my credit report, I have discovered a collection account listed under the name of XXXX XXXX XXXX XXXX, with the original creditor being XXXX XXXX XXXX, in the amount of {$21000.00}. I must assert that I am not responsible for this debt. I would like to emphasize that this collection account is a direct result of identity theft, as duly documented in the attached police report. This incident has caused substantial distress and inconvenience in my financial affairs. As per my previous communication with your company, this serves as my second notice regarding the matter. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and up-to-date information is maintained in credit reports. As a responsible consumer, I am fully aware of my rights and responsibilities in ensuring the accuracy and integrity of my credit history. In light of the aforementioned information, I kindly request that Experian undertakes the following actions promptly : 1. Conduct a thorough investigation into the validity of the aforementioned collection account, considering the documented evidence of identity theft enclosed with this letter. 2. Temporarily remove the disputed collection account from my credit report during the investigation period, in compliance with the FCRA guidelines. 3. Provide me with written updates on the progress and outcome of the investigation within the legally mandated time frame of 30 days. 4. Correct any inaccuracies found on my credit report resulting from this erroneous collection account, once the investigation concludes in my favor. I firmly believe that the FCRA requires Experian to act diligently in investigating and resolving this dispute. I trust that your organization will handle this matter with the utmost professionalism and adhere to the regulations set forth by the FCRA. Please acknowledge the receipt of this letter within 15 days of its delivery. I appreciate your prompt attention to this issue and look forward to a swift resolution. Should you require any further documentation or information, please do not hesitate to contact me at the provided contact details. Ive attached the identity theft police report for your documentation purpose. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

XXXX  - Delete from file XXXX XXXX  - Delete from file XXXX  XXXX  - Delete from file XXXX XXXX  - Delete from file XXXX XXXX XXXX XXXX XXXX Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Mortgage

Dealing with SunTrust Mortgage has been a nightmare and it just continues on long after closing. During application process I encountered the following : 1. lost documents they claimed held up processing when docs had been there for wks. 
2. claimed had converted to new system and all staff not trained to do both so that was reason for constant delay ; got preapproval at 30 day mark and then barely made closing. I had been told entire process would be 2 to 3 weeks 3. at closing failed to send a HUD doc that had been requested the week prior ; then failed to wire the closing money to pay seller, etc. Delayed closing for 1.5 hours. and when monies arrived were {$500.00} short 4. failed to enter my autodraft and then when I changed to new bank clerk failed to key in my account number correctly causing more delays. 
5. had to send in money to escrow and was given wrong address ; further delay & calls 6. sent in money to escrow with coupon for this years ' increase and they did n't record it in to my account until I called. I got email telling me I would have higher payment and then after calling twice more to get it straight got an email telling me mortgage payment for XXXX 2016 would be double what should have been ; when I called corporate ( XXXX ) told me told me to simply disregard it as it was an error yet no rebuttal email arrived. 
7. I have filed numerous complaints with conflict resolution ( attaching some ) and nothing ever really changes. However, after several they sent me a check for about {$1300.00} saying their post closing review determined they overcharged me. I doubt if that would have happened had I not been complaining. 
8. I could give numerous examples of minor problems and large ones through the past months but there is n't enough space ... ..everything they touch they XXXX. I have begged to have my mortgage sold. If they are this incompetent on all levels it makes XXXX wonder how efficiently they do all things. Maleficence comes to mind on at least two occasions.
Product: Checking or savings account

On or about XX/XX/2019 I reported a number of unauthorized charges made using my Visa debit card. I requested a new Visa debit card to be sent to me via expedited delivery. As of todays date, I have not received any adjustments on my account for the fraudulent charges, any of the 6 fees associated with the charges, and three of my checks have each been returned due to the banks failure to adjust the charges. US Bank advised me that they would take as long as 10 business days to adjust the charges on the account, basically leaving customers with no ability to recover their funds sooner. The bank should not expect customers to cover negative balances and fees caused by unauthorized charges. 

Most disturbingly, however, is the fact that when I deposited a check into my account on Sunday, XX/XX/2019 to cover the fraudulent transactions, my check was adjusted from my account because the name on the check was slightly misspelled from my name. US Bank has  been completely unable to assist me with my matter, Ive experienced the most incompetent and disrespectful customer service of any bank Ive dealt with, and the Branch has conceded that they, too, have no ability to assist.
Product: Credit reporting or other personal consumer reports

Someone has been using my information for personal use and I need to find out why the are pulling my personal information. The is been going on for the last 5 days in a row and they need to stop. And put my points back where they belong. XX/XX/XXXX to XX/XX/XXXX is what I see on my credit report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeated offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I lost {$400.00} sending to the wrong number without fair warning beforehand in 2018.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX sent me a letter stating that I owe for a credit card the credit card has been closed for at least 5 years and now they are sending me letters the debt is for XXXX dollars maybe little less and all they asking is for my money If the card was closed with a {$0.00} balance how did it get to that amount and they call from various places different numbers And they claim a bill was paid from my own personal checking account when the card was closed how can someone take out money from my account and I would not know that dosnt even make sense They are not doing nothing but wanting money from me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account on my tradelines by XXXX  XXXX XXXX/XXXX  XXXX. I contacted the number listed and spoke with a representative named XXXX on XX/XX/2019 at XXXX. XXXX told me that they don't have the account and she don't know why it's being reported. There is no reason why this account is being listed on the credit report and there is no file there according to their representatives. I disputed this account with Equifax who stated they verified the account is accurate. There is no way they could have verified the account when in fact the company told me there is no account there.