23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I come here to file a complaint. These bureaus keep sending me the same letters! How is nothing being done??? Transunion XXXX and XXXX continue to respond with verified I have already submitted the letter from XXXX XXXX  where it has come back as UNVERIFIABLE and it has been removed from their system! How are the bureaus still reporting it as verified I have also been in contact with the courts and they DO NOT report to any bureau!!! Why do they continue to waste my time and send me the same letters! This is a mockery! Im in the process of purchasing my first home and this is greatly affecting me and stressing me out! I demand they take accountably for reporting inaccurate information and remove it from my credit. Please take action! I have submitted yet again, the letters transunion, XXXX and XXXX have sent me, the same letters they continue to send me as verified I have also attached yet again the XXXX letter where they were NOT ABLE TO VERIFY IT AND HAVE SINCE REMOVED IT FROM RECORD! XXXX has removed it since XX/XX/XXXX!!! We are now in mid XXXX! Why is this still being allowed!!!
Product: Credit reporting or other personal consumer reports

As XX/XX/24 I noticed that XXXX has allowed false information on my credit file, violating FTC Section 807, associated with a closed XXXX XXXX Account ending in XXXX for {$13.00} & or {$13.00}.
Product: Credit reporting or other personal consumer reports

I am seeing that an inquiry is on my credit report for XXXX XXXX XXXX XXXX XXXX I have not applied for any credit cards with this financial institution. I have also filed with identitytheft.gov. please remove this fraudulent inquiry. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



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

XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX  XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.
Product: Debt collection

Real Time Resolutions, Inc. sent a letter RE : Notice if Servicing Transfer dated XX/XX/XXXX. In the letter it states : " You are hereby notified that collection duty associated with the above referenced file, that is the right to collect payments from you, if applicable, is being transferred from XXXX XXXX, XXXX to XXXXeal Time Resolutions , Inc. ( " RTR '' ), effective XX/XX/XXXX. This letter shows a Principal Balance of {$3700.00} with a date of last payment being XX/XX/XXXX. 

The next letter that I received dated XX/XX/XXXX shows an outstanding principal of {$3700.00}. In addition it shows : Principal : {$1.00} Regular Payment : {$1.00} Past Due Amount : {$220.00} Total Amount Due : {$220.00} It also included a " Delinquency Notice '' : " You are late on your account payments. Failure to bring your account current may result in fees. Your account became delinquent on XX/XX/XXXX and, as of XX/XX/XXXX, you are XXXX days delinquent on your account : Recent Account History Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Current Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Total Amount Due : {$220.00}. You must pay this amount to bring your account contractually current. 

I feel that Real Time Resolutions, Inc. is using false, deceptive and misleading practices, and are trying to re-establish this debt. 

XXXX XXXX XXXX made the following statement in a letter dated XX/XX/XXXX : " Please be advised that we can not bring legal action to collect this debt or threaten to do so because the statute of limitations has expired. IF YOU DO MAKE A PAYMENT, we may later be able to bring action to collect this debt because the payment may start a new statute of limitations ''. 

In a letter dated XX/XX/XXXX from XXXX XXXX XXXX they stated : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX   XXXX XXXX, XXXX. and/or XXXX will not sue you for it and XXXX XXXX XXXXXXXX, XXXX, and/or XXXX will not report it to any credit reporting agencies ''. 

This debt was discharged in Bankruptcy in XXXX. 

Real Time Resolutions Inc continues to request a payment every month for {$3700.00} with the most recent being XX/XX/XXXX. 

I have requested Validation of this debt twice from them and have received no response either time.
Product: Checking or savings account

On XX/XX/XXXX I noticed a charge for {$4900.00} on our business checking account that was in processing status that we did not authorize. I called Bank of America and they sent me a Unauthorized ACH Return Form to fill out and send in. I did send it in that day. I also went physically to the BOA location in XXXX to speak with someone directly because this is a large sum of money. They put me back on the phone with the same people I had already talked to. They once again asked me to fill out a Unauthorized ACH Return Form and send it in. Then they said I should have a temporary credit on my account for the {$4900.00} while they do their investigation. I called back on Saturday to check the status of everything, they again asked me to fill out a Unauthorized ACH Return Form and send it in. Told them I already did. Then they said it takes 24 hours to upload for them to see, well it had been 24 hours. Then they tell me it will be closer to a week before we get a temporary credit while they investigate. I then called our local sheriff 's office and filed a police report and sent that info in to them. Then I filed a IC3 Form with the FBI for internet crimes and sent that info to the bank as well. I called back on Monday, once again they asked me to fill out a Unauthorized ACH Return Form and send it in. This time they told me it could be 45 days before they give me any kind of credit because they have to do their investigation first. I asked how come every time I call I get a different time frame regarding the money being returned. They said there are different types of investigations and the reps just might just be confused on which one this is. I didn't call back on Tuesday. Wed XX/XX/XXXX still haven't heard anything from the bank. I called and again they asked me to send in a Unauthorized ACH Return Form and send it in. I told them I have done this twice already. Then they told me it could be 90 days before I could see a credit for the money because they have to do the investigation first. We just keep getting the run around and no consistent time frame on when we can see our money returned to us. We desperately need this money as it is used to not only run our small business but support our family. Our next step will be to contact an attorney. 
I brought it to their attention while it was still in processing. I asked them to stop the payment on it before it went thru and they wouldn't stop it. It's my account if I want a stop payment on something they should have done it.
Product: Credit card or prepaid card

I applied for a new credit card with capital one. I applied online. for months capital one was sending me notice that I'm pre-approved for a Quick silver credit card. after applying for the QS card. I was approved and the card was sent to my home with a {$10000.00} credit limit. I activated the card for use attempted to make a small purchase and the credit card was denied. I called capital one to see what the problem is. I was informed by a rep that they need more information from me. I have another credit card account with capital one in excellent standing. they want a copy of my SS card, light bill, and state ID. after complying a few times with their request. they said my state ID. wasn't a good ID. capital one inquired on my credit report after saying it wouldn't go against my credit. I decided, I didn't want the card after the hassle to use it, however I did register a complaint with capital one after they approved me for credit.
Product: Checking or savings account

On XX/XX/XXXX, I deposited {$5500.00} in two separate deposits. The ATM has a limit of 30 items per transaction. I thought I split the deposits out appropriately, but upon completing the second deposit, I noticed that I had inadvertently put 31 {$100.00} bills in the ATM for the first deposit and it only credited me for XXXX {$100.00} dollar bills as the second deposit was in the amount of {$2400.00}. I reached out to Wells Fargo immediately, and recieved a provisional credit on XX/XX/XXXX in the amount of {$100.00}. I received a letter today, XX/XX/XXXX, dated XX/XX/XXXX stating that they completed an " investigation '' that showed that the original deposit amount ( the erroneous one where they stole {$100.00} from me ) was correct, and they will be deducting the provisional credit from my account on XX/XX/XXXX. How can they get away from stealing from their customers without any recourse??????
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted portfolio recovery to request information in regards to two items that have been reported on my credit report. the orginal creditor on one was XXXX XXXX XXXX ; in which they said they do not have a record of and the other one is XXXX XXXX. I asked them to validate the debt in which they show me when the account was first opened, how much the account is, a break down of fees, and the contract. They were not able to furnish this information and have yet to remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last few times I've been on " Experian '' to help my self get my credit score up the dates " XX/XX/XXXX and XX/XX/XXXX including XX/XX/XXXX '' from the start they constantly sent me notices for the credit score boost which it required me to link my personal bank account after filling out personal info, it said I couldn't boost my score at the time. The second time I log on ( XX/XX/XXXX ) to go through it again, I was matched and eligible to get a credit card, which I need to help raise my score. After sending me to a 3rd party site to give them my personal info, I didn't get approved .... and effected my score ... XXXX so the third time I go on Experian, I get approved and matched with a 3rd party lender site for a personal loan. since it said it would " help my score '' I applied for the personal loan through " XXXX XXXX XXXX '', again giving my personal info out. To get denied and hit with a hard inquiry again ... ..
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX, I received a letter from the debt collector, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. The letter stated that they were attempting to collect a debt for TD Bank in the amount of {$4300.00}. To dispute this false charge and account, I filed a police report, listing TD Bank and the amount owed. I was contacted by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX by a representative urging me that I needed to pay the amount owed. After speaking with my credit monitoring service, I then requested an identity theft packet from XXXX. XXXX, & XXXX in regards to the falsely opened TD Bank account. On XX/XX/XXXX, I spoke to another representative from XXXX, XXXX, & XXXX and inquired about the identity theft packet because it had not yet been received. On XX/XX/XXXX, I received the identity theft packet with the following instructions : to include a police report and file an Affidavit of Fraud under the Federal Trade Commission. I mailed the identity theft packet with the appropriate documents to the address listed by XXXX, XXXX, & XXXX. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX XXXX saying my claim has been deemed invalid. I then called XXXX, XXXX XXXX XXXX XXXX and questioned why it was deemed invalid, to which they refused to give any information. I then contacted TD Bank to find out information about the claim that had been deemed invalid, to which I have been given zero information and placed on long holds and transferred from department to department. I did not create the account for TD Bank and my goal is to get this fraudulent activity removed from my credit reports and get this fraudulent account fully closed.
Product: Mortgage

My Husband and I have she 'll point mortgage as our lender ... we were switched over from XXXX XXXX..they have XXXX our loan so many times and stated we were behind on our loan ... you can never talk to a live person you leave a message and they will call you back within 48 hrs ... ... so un professionally
Product: Debt collection

Ditech Financial LLC called me on my personal cell phone looking for my mother. My number is with a private carrier and is unlisted. It is also on the do not call registry. My mother nor any other person gave them my number. They are harassing my XXXX XXXX XXXX mother for a debit that is past the time when they can expect to even collect. The letter they send her even state this. But they called me making threats to take my mothers home away from her, stated they might even be able to put a lien on my house, and intimidating tones. I asked them how they got my number and they refused to tell me. I also asked them to get on the speaker phone with my mother so she could tell them not to call me anymore. They refused to. I asked that they send all documentation in regard to the matter with the originating loan company and anytime it had changed hands. The man hung up on us. They continue to to harass my mother even though she has told them repeatedly to stop calling her. I do not have a specific date they called me as my call log in my phone was wiped accidentally. It was between XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its illegal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. 
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: Vehicle loan or lease

I had a Lease with Toyota Motor Account # XXXX Opened in XX/XX/2017 for the duration of the lease I made my payments on time. I reached out to Toyota to request what the status of the account is due to the bureaus reporting Collection/Chargeoff. They responded saying I was not ever late on this account ( see attached ) No mention of any issues.
Product: Credit reporting or other personal consumer reports

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 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 XXXXXXXX, I looked at my XXXX credit report on XXXX XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX and my attorney requested the full results of the investigation into my disputes and I have been refused to receive the result of my disputes despite my many attempts to the credit bureau. This is my last attempt to get the full results of the investigation into the disputes I have placed well over 60 days by law. one company agreed, after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE THEM ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( XXXX ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). Myself and my attorney is in the process of filing a federal lawsuit if we don't have the full disclosure of the investigation into my disputes. As stated above the credit bureau violate my rights and the FCRA, they have discredited me and my worthiness. This is my last attempt before a federal lawsuit is filed. This is also notice of my intent to file.