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

dear TransUnion XXXX XXXX XXXX I recently look look at my credit report and I have found that in accordance with the FCRA, you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 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 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. This information you are reporting is totally incorrect I would like this account removed from my credit report. This is creating a big negative impact on my credit report. above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b . Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

CapitalOne charged me back twice for a disputed charge that occurred in XX/XX/2019. Due to dissatisfaction with the merchant I contacted Capitalone to dispute the amount of XXXX $ they requested more information that was provided and then without giving mr the courtesy of a phone call or letter charged me back the amount twice!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I have listed below XXXX XXXX  XXXX XXXX/DEPT OF ED My rights have been violated in accordance with the Fair Credit Reporting Act. 

15USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 or other personal consumer reports

I sent a letter to experian about the inacurancy of my consumer report and they did not respond. Im now requesting their method of verification and by law they have 15 days to respond with the requested information.
Product: Credit card

I bought an XXXX XXXX XXXX from XXXX on XX/XX/XXXX. They proceeded to never deliver the item, with the delivery partner fraudulently signing and straight up giving a false signature. I contacted XXXX for help with an XXXX representative telling me to contact my financial institution if I wanted any restitution. I proceeded to do so, starting a dispute. 

This was a business transaction so it took place on my Chase XXXX credit card. Chase then proceeded to deny my dispute, even when I provided valid evidence and filled out their form. They stated that while you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error has happened. The thing is I never said there was a billing error, I simply stated that I need my money back for non- delivery of goods. 


So at this point, Im down {$4600.00} ( Cost of XXXX XXXX ) on XX/XX/XXXX and with no XXXX XXXX to show for it. Chase refuses to play ball and directs me to XXXX. When Ive already stated on various occasions that XXXX told me to contact Chase. Theyre basically pinning the blame on XXXX another and Im the donkey that has to suffer the cost.
Product: Credit reporting or other personal consumer reports

XXXX credit reporting agency has been violating my privacy on my consumer report by violating Fair Credit Reporting Act 15 US Code1681c-Exclusions of Credit. XXXX XXXX XXXX XXXX XXXX XXXX  notified me that they don't report information to credit bureaus. Why is right to privacy being violated? This reporting on my consumer report is in violation of15 US Code1681a ( 4 ). this Bankruptcy XXXX XXXX should not be on my consumer report. I demand you remove this from my consumer report as this has damaged my reputation and character for 9 years. In addition to removal i am seeking damages for all the years ( 9 ) that I have been damaged. I am seeking a sum of {$22000.00}, XXXX for each year my reputation, character and violation of my right to privacy. also 15 US code 1681b-Permiisible Purposes of consumer reports has been violated. Please rectify damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute all listed items in attached document with all 3 credit reporting agencies : XXXX, transunion and XXXX. Information would be taken off, then readded, disputes were coming back with no proof of accuracy and I was part of the XXXX data breach. 

All account information and dates are on attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX XXXX ( XXXX XXXX has a balance of {$3300.00}. I have called, and filed disputes with experian however they have not updated the balance so it is reported correctly.
Product: Checking or savings account

XX/XX/XXXX received a debit card in the mail with my name and expiration and a debit card number. On XX/XX/XXXX I went to the Chase Bank, and they told me that the account was under my name with my Social Security number, and date of birth and address, but the phone number and the license was wrong.
Product: Payday loan, title loan, or personal loan

Date of Loan financed - XX/XX/2023 Amount - {$990000.00} Check issued for payoff - {$500000.00} I got a Line of credit from PNC on XXXX XXXX  XXXX XXXX to payoff a line of credit from XXXX to which the XXXX XXXX returned the check with the reason the check issues by PNC is in excess of XXXX USD compared to my balance with XXXX XXXX ( Looks like this is an internal policy of XXXX XXXX ). 

I requested PNC to cancel the check and reissue it to XXXX XXXX with a lower amount. It is almost 15+ days and PNC has not reissued the check to XXXX XXXX. I am paying interest to both the bank for the same money, I have lost XXXX USD in this delay from PNC XXXX 

I made call 10+ times to the Loan officer and it always goes to his voicemail and emailed me 15+ times asking him to provide me some update and almost no response from the loan officer. I have not seen such a rude behavior from any loan processing officer in the past. I am just loosing money every day as paying interest to two banks for the same money. 

I really want PNC to reissue a check ASAP to XXXX XXXX so that my loan can payoff and I stop paying interest to two bank. 

I also really want PNC to perform an investigation against the loan officer for such an erratic behavior. 

I also really want PNC bank to stop charging me interest until the money is actually transferred to XXXX XXXX.
Product: Debt collection

I entered into a consumer credit transaction with Nissan XXXX on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Nissan sent me a bill which is a violation of 15 USC 1692b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account on my credit report that is based on identity theft and Equifax is not actively investigating the matter at hand
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian regarding their failure to adequately respond to and investigate my credit report disputes. Despite submitting the necessary documentation and clearly outlining the inaccuracies, Experian has replied with a stall tactic letter that does not address my concerns or initiate a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). 

This delay undermines my right to accurate credit reporting and causes undue stress and potential financial harm. I request that the CFPB review this matter and take appropriate action to ensure that Experian fulfills their legal obligations to consumers and conducts a fair and prompt investigation into my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify the account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXXXXXX XXXX Balance : {$7700.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion due to multiple violations of the Fair Credit Reporting Act ( FCRA ) that have negatively impacted my credit profile. Despite my efforts to rectify these issues, TransUnion has failed to comply with FCRA requirements, specifically : Inaccurate Personal Information : My credit report contains incorrect addresses that I have never resided at, which may indicate potential file mixing and a failure to ensure the accuracy of my personal data as required under 15 U.S.C. 1681i ( a ) ( 1 ).

Failure to Disclose Full File Information : TransUnion has not provided me with a complete disclosure of my credit file, including the sources of information used to report accounts and inquiries, violating 15 U.S.C. 1681g and Section 609 ( a ) of the FCRA. 

Unauthorized Hard Inquiries : My report contains an unauthorized inquiry from XXXX on XX/XX/year>, which was made without my consent, violating 15 U.S.C. 1681b, which requires a permissible purpose for all inquiries. 

Unverified Collection Accounts : TransUnion has reported collection accounts from XXXX, XXXX XXXX, and XXXX XXXX XXXX  without proper verification. Under 15 U.S.C. 1681s-2, information must be accurate and verifiable, yet these accounts remain on my report without sufficient proof. 

Incorrect Account Reporting : The XXXX  account ( Account # XXXX ) is being reported with discrepancies in the first delinquency date, last payment date, and charge-off date, which is a violation of 15 U.S.C. 1681c ( a ) ( 4 ), requiring accurate reporting of delinquency timelines.

I have submitted a formal dispute to TransUnion requesting an investigation and correction of these issues ; however, they have failed to take appropriate action within the legally required timeframe. I am requesting the CFPB to investigate this matter and ensure TransUnion complies with FCRA regulations by correcting or deleting the inaccurate and unverifiable information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get resolved.
Product: Credit reporting or other personal consumer reports

I have been disputing with XXXX, Experian, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, Experian, XXXX and the other creditors ( XXXX XXXX ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, EXPERIAN, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Product: Debt collection

For the past 3 months I have tried to dispute the charges of medical bills that are not my debt. They said the debt has been in collections as of XXXX of 2019. For XXXX  this isnt mine. I have tried disputing with letters and and they will not remove it. And XXXX from XXXX XXXX in the past due amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

I never had any dealings with this company. They called me once and I told them I don't know who they are and if I owe them send me, Original contract with wet ink signature binding both parties, sent certified mail, Validation of debt- that is the actual accounting, Verification of their claim -that is a signed Invoice not a statement This was a conversation over the phone roughly 3 months ago. I've given them plenty of time. This is unfair to me and the banking systems because this is being reported on my consumer report and hurting my chance and the banks chances of consumer credit transactions.
Product: Mortgage

Ocwen Retention department has all the documents requested to finalize my modification per my relationship manager XXXX. However, Ocwen Retention department refuses to give me a modification because ever 90 days and this has been going on and on saying my documents have expired. My relationship manager said he sibmitted all of my documents and still know resolution. I was told because I have no bank account from a call from another rep on XX/XX/2018 my modification can not be aoproved.
Product: Credit card or prepaid card

Hi, I am complaining abou t the Paypal Credit Co. For almost 5 months now, they have been charging me late fees of {$35.00} repeatedly when  I already enrolled in a debt management program.     They have been delaying the acceptance of this program yet receiving the money that they send.     First, they said I need to send a letter to let them/allow them to call me or contact me because I refused their call back in  XXXX    XXXX  , when they repeatedly called my office. But then I sent a letter to allow them to contact me on my cellphone.     Second, they ask me to send a letter with my signature on it, that I am enrolled/ allowing the  XXXX   XXXX  to send my payments. Last  XXXX , I sent them that letter and now it 's  XXXX , they again asked me to send this authorization. I contacted them again regarding this & will send again this authorization & I also advised them that I will file a complain regarding their company with the Consumer Financial Protection Bureau.     Still, the {$35.00} late fees keeps incurring in my account thus minimizing my monthly payments.     They are inefficient in processing this papers & thus keeping me under debt.   Please help me make this company responsible for their actions.     Thank you.
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I realized theres a few collections and negative accounts that I did not authorize. In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report.Please remove these unauthorized inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

When making payments on the Bank of America banking portal the payments are not being posted in a timely fashion. I have made several payments on the due date and prior to XXXX XXXX and the payments are not reflected until a few days later. Bank of America is charging me late fees with increased interest and having debt collectors call me at XXXX at night. The payments are showing as paid on the account but the fees and collection calls continue. BOA refuses to reverse fees and interest applied even though I have documentation showing the payment was made on time. BOA states that this can be avoided by signing up for Auto Pay. My payment was due on XX/XX/year>. Payment was made at XXXX on XX/XX/XXXX and not posted. See attached documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX REPORTED THE HISTORY OF TRANSACTION AND EXPERIENCES BETWEEN ME THE CONSUMER AND XXXX XXXX TO XXXX, EQUIFAX, AND XXXX WHICH IS ILLEGAL TO REPORT 15 US CODE 1681a ( D ) ( 2 ) ( A ) ( i )
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably investigate information I disputed on my credit report, leaving inaccuracies and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX, and Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers adequately of dispute outcomes. These failures align with my experience, where XXXX, XXXX, and Transunion have 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 XXXX, XXXX, and Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXX XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX  reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.
Product: Debt collection

account is listed as open with past due with a balance of XXXX and in collection This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.
Product: Vehicle loan or lease

Ok..the lease for the XXXX XX/XX/XXXX.will be complet..XX/XX/XXXX..they repossition the car from my house..when the car is complet lease payments..now they allegy that i need to pay it in full..i be cery worry about it situation.
Product: Credit card or prepaid card

My account became limited use. I provided all docs except for funding the XXXX and some change. It the account will not allow me to fund my account to take care of the overdraft. No where. No cash loads transfer no nothing. My question is how do I resolve this. I want use of my account again. Thx
Product: Vehicle loan or lease

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment marked on my credit for last month. I just bought the motorcycle and this can not be happening. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint in regards To the three credit bureaus Experian, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from XXXX XXXX XXXX in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.