23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Ally Auto continues to add extravagant late fees of {$71.00} to my auto account when it was not late. They have done this for previous months and still have not corrected the situation I have previously filed a complaint against them for this and they have lied and continued on. I looked at a recent statement and found out they added this {$71.00} dollar to my payoff fee that they can not explain. 

These lying XXXX XXXX XXXX XXXX XXXX crooks need to stop stealing money from customers in sly ways. This is not the end of this Ally. You continue to lie and change your method of theft.
Product: Credit reporting or other personal consumer reports

Please remove from credit. I do not owe a balance. Ive never received a disbursement from the school. Please remove from credit. I dropped all classes once I realized they were trying to get me to take out a loan.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint against TRANSWORLD SYSTEMS for Violation of Consumer Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSWORLD SYSTEMS for alleged violations of consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 

1. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** TRANSWORLD SYSTEMS has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is in direct violation of consumer rights. 

2. **Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ) : ** I have not been given an opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ). This denies me the right to verify the accuracy of the information being reported. 

3. **Use of False, Misleading, and Deceptive Means : ** TRANSWORLD SYSTEMS is allegedly using false, misleading, misrepresentative, and deceptive means in its collection practices. Such actions are in clear violation of consumer rights. 

4. **Furnishing Information Without Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) ) : ** The collection agency has no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law. This constitutes a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Revocation of Communication Rights : ** I dispute all debts claimed by TRANSWORLD SYSTEMS, and I am hereby revoking all rights for them to communicate with me. Any contact after this complaint is filed will be a violation of 15 USC 1692K FDCPA, and they will be liable for {$1000.00} for each violation. 

6. **Request for Purchase Agreement and Proof of Licensing : ** I request TRANSWORLD SYSTEMS to provide the purchase agreement between XXXX XXXX XXXX and the original collector. Additionally, I am requesting proof of licensing and bonding to ensure compliance with applicable laws. 

I kindly request the Consumer Financial Protection Bureau to investigate these alleged violations promptly and take appropriate action against TRANSWORLD SYSTEMS. I appreciate your attention to this matter and look forward to a resolution. 

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

Paid for credit repair and the process was long also I would have to reach out multiple times due to my credit report not changing despite paying for the repair
Product: Mortgage

On XX/XX/2017 US Bank cut a check out of our escrow account for {$980.00} and can not tell me why or where the check was sent. I have asked multiple times for answers as to why this was done and how and they will not give me a straight answer just that " thye do not know ''? How and why can they no tknow why the money was taken out of our account? This has caused a shortage in our escrow account and as a result they are now increasing our payment.
Product: Credit reporting

I, XXXX believe that the credit bureaus such as Experian are essential to the American credit community. The system of credit reporting is massive and the credit bureaus are not given the credit they deserve serving hundreds of millions of consumers and millions of businesses in America. Sometimes, when a consumer has a legitimate complaint against how a certain subscriber is reporting a credit payment history, a bureau such as Experian can not be blamed for an indiscretion because a corporate subscriber break the rules that should be applied equally from the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Accordingly, I respectfully request a follow up from a complaint I filed directly with XXXX. My complaint response is # XXXX. My complaint was very specific. My consolidated student loans were never paid on as they have always been deferred. I XXXX, and my consolidated loan payments begin XX/XX/XXXX. It states that fact right under the STATUS of the account numbered # XXXX. However, XXXX shows no 30-day late payments, but a 60-day late for XX/XX/XXXX, and a 90-day late for XX/XX/XXXX. This negative on my credit reports hurts me personally, as I am a professional XXXX woman trying to better my life as well as the lives of my family. I believe that the XXXX should correct my credit report by removing all payment histories since I am not and have always been in a deferred payment status. I respectfully request a reinvestigation by Experian to assure me that the XXXX abides by the subscriber agreement they have with all credit bureaus, especially Experian.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> 2025
Product: Debt collection

About a couple of months ago I saw that XXXX XXXX had replaced the status back on the website to make payments, Ive told them more then once I was not in good health and not working like I was, to this day I am still not working. I have my XXXX XXXX card with them as well and have been trying to get that paid off as much as I can but the interest rates are more than the minimum payment at times. They only kept that up on the website for XXXX month, when I went to try and pay even {$25.00} towards it they already pulled it down. And closed it once again. 
There messing up my credit thats a fact. They also sent me to collections now to Radius Global Solutions llc in XXXX XXXX. 
If I had the money I would be paying on the bill but again due to my health I am currently not working enough to even pay that fully off. What I bring in no one on the outside would be able to live off of it. So I am disputing the XXXX XXXX on my record they have really messed up my credit. And ever since I have opened up the cards to even establish credit it never went up even thought at the time I paid on time I paid it off or full they charged me twice before for XXXX  and I ended up paying on that twice. Which was XXXX and I disputed that second charge with them as well. So XXXX  XXXX is the worst credit card company ever they just XXXX people and the interest rates are extremely high. Again the collection agency they sent me to now is called radius global solutions
Product: Credit card or prepaid card

I have made all my payments and the account balance shows {$0.00}. I am trying to close the account and the company representatives pass my call around and eventually hang up. Have tried calling multiple times about this and same thing every time.
Product: Credit reporting or other personal consumer reports

I am contacting you to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit report. Due to a recent data breach, my information was compromised, and I am now experiencing fraudulent activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c-2 ( a ), I am entitled to have fraudulent accounts and inquiries removed. 
Unauthorized Account 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: Credit reporting or other personal consumer reports

XXXX XXXX is pass the 30 day timeframe by law according to the consumer protection act this must be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulently inquiries on my credit report. Ive contacted experian several times they refuse to delete this frivolous activity. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, I didnt authorize! I want these inquiries removed immediately.
Product: Credit card

I CLOSED THE ACCOUNT. A COMPANY OWED ME A {$500.00} REFUND AND THEY REFUNDED THIS ACCOUNT AFTER I HAD CLOSED THIS ACCOUNT AND PAID OFF THE BALANCE IN FULL. I HAVE CALLED VENMO 4  TIMES ON THIS. THEY CLAIM THEY MAILED THE CHECK. I DO NOT HAVE THE MONEY. I DID NOT RECEIVE ANY CHECK. I CALLED THEM AGAIN TODAY ON XXXX THEY STILL CLAIM THEY MAILED IT ON XX/XX/XXXX. THIS IS FRAUD. THEY OWE ME MONEY AND ARE REFUSING TO PAY. MY PHYSICAL CARD NUMBER ENDS IN XXXX.
Product: Credit reporting or other personal consumer reports

tHIS CAR WAS TOTALLED IN XX/XX/XXXX. INSURANCE REQUESTED PAYOFF AMOUNT. XXXX SENT PAYOFF AMOUNT AND THEY PAID IT. GAP DID NOT HAVE TO PAY ANYTHING BECAUSE THEY SAID THE LOAN WAS PAID OFF BY MY XXXX CO. IN XXXX AN AMOUNT OF {$1600.00} WAS PUT ON MY CREDIT REPORT. THEY SAID THIS WAS PRINCIPAL THAT WAS OWED. ASKED FOR DEBT VALIDATION AND XXXX XXXX XXXX TOLD ME THAT THEY DID NOT HAVE ONE.
Product: Debt collection

On Thursday, XX/XX/XXXX, I received a letter in the mail from a city marshal stating that a judgment was settled against me and my wages were to be garnished. I never received a letter validating my debt, nor has anyone ever tried to contact me. I am not familiar with the creditor or the debt on the judgment. According to the letter, it was from a debt from 2012. I do not recall anyone reaching out to me about any debt at that time, nor have I ever received a letter about any debt at that time or ever since.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

My account with 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 in 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 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Here is the letter I sent on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

collection agency said that i can go to jail if i didnt pay debt and they will sue me and take my property when i advised that my XXXX  paid debt in store in XXXX  and collection agency starting yelling at me
Product: Credit card

About 2 months ago I called Capitol One to tell them that we are having financial issues. So they went to get a specialist to help me. I told them that we were having financial issues and can't pay on any of my accounts until the 3rd of the month. I am on XXXX. We also found out that my husband is on a breathing ventilator. And he can't work as much due to his condition. I told him all this and he agreed to a solution. So, I agreed too. Well, two weeks later Capitol One closed all my credit cards and put 30 to 120 days late on my credit reports. They have destroyed my credit. I can't get another credit or personal loan. They have lied and a has used deceptive practices. They used to be a good bank. Now they are one of the worst banks.
Product: Credit reporting or other personal consumer reports

I obtained my credit report in XX/XX/2024 and was shocked to see an account from XXXX XXXX XXXX XXXXXXXX about a balance of {$4900.00}. I do not owe them and they never responded to my multiple requests. I had a vehicle with them and that vehicle was fully paid off after a natural disaster. There was a XXXX balance when that account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm writing because I'm concerned with the algorithm or metrics that Transunion, the crediting reporting bureau, is using to determine consumer credit scores. 

On XX/XX/2019 I was altered by a credit monitoring service that my Transunion score dropped 76 points. XXXX, the credit monitoring service, offered the explanation that this was probably due to an increase of {$76.00} to my student loan balance. 

I know that credit scores can be affected by increases on installment loan balances, but this seemed extreme. I called Transunion and spoke to two customer service representatives, one of which was a supervisor, and was frustrated after having to constantly re-explain what I was calling about. Then the supervisor basically told me there was nothing they could do and this was just how their algorithm works.  Despite the fact that my XXXX  and XXXX scores were not effected by this change and those scores remain at XXXX and XXXX respectively. 
I submitted a written complaint to Transunion through their website after making the phones calls ( and have attached that correspondence to this complaint as well ) but have not received a response from Transunion. 

Also of note is that my student loan is in good standing, set up in an income-based repayment plan, and on auto-pay. I also spoke to someone at my student loan servicer and they said that there was nothing negative reported to my account. 

So I'm writing to make an appeal to the CFPB that this credit bureau, and the other two at that, be held to a higher level of responsibility than they currently are. The credit scores they generate have a powerful effect on the individual lives of consumers. This drop in my Transunion score may affect my ability to get a mortgage as I'm currently in the process of getting approved to buy a home. And for a {$76.00} increase in one loan account? I don't think that that is right or at all a good practice. 
I don't know the details of how the algorithms work that these credit bureau use, but they should be changed if they're affecting peoples credit scores like the way they have affected mine. If a human being reviewed the change in my student loan balance would they have decided that I deserved a 76 point drop in my score, I would hope not. 

So I'm asking that with this great power the credit bureaus hold over our lives that they be held responsible to accurately evaluate persons credit scores. And if they are leaving that responsibility to a computer algorithm that is making huge errors, and they aren't employing human beings to review the decisions made by said algorithm, they shouldn't be allowed to have this power. Or they should be reprimanded and required to restructure their practices for consumer credit score reporting. 

I hope that you, at the CFPB, can make this change possible as this is what you were created to do, and I know that I'm not the only person being affected in such a negative way by the credit reporting bureaus. 

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

i have a home equity line of credit with XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I owed {$1400.00} on the line of credit, i called the rep that i would like to pay up the line but keep the line of credit open for future use. I sent in the funds in XX/XX/XXXX. i received statements in XXXX, XXXX, XXXX, showing that line of credit is XXXX balance, and the savings account has {$5.00} balance ( required ). 
I received the XX/XX/XXXX statement and i noticed that there was a withdrawal of {$2.00}. i called to ask what it was for, she said that it was interest for the line of credit still owed, i sent the money. 
I got my credit score and notice that XXXX is showing that i have an account delinquent for 60 days. i called the banker, it seems that XXXX requested to close the account and not sure what they show as delinquent. 
I tried to call to a few reps and each one puts me on hold and is not helpful. 
my line of credit is perfect and this is unfair for them to show that my account is delinquent. there is nothing that i owe to XXXX
Product: Mortgage

I think the mortgage company and the loan officer did some fraud to close the deal. I was told some things that the payment would be lower. And now the mortgage company had did some incorrect things to have some shortage on my accounts. They keep saying docs they didn't receive or the accessory office that they did not contact. Added a shortage to the already to high payment by {$400.00}. I never received the doc from the loan officer or mortgage company. Was never told about the shortage til I heard the automatic caller state the amount. The property was accessed higher than the correct amount, til i contacted the accessories office. That did a investigation and found there too be a issue. There was missing items from the property that i had addressed with the loan officer. Who told me, he didn't want anyone at my file. That he would get the property refi and get the M.I removed to lower the payments. Had me borrow money off my credit cards to pay the other money, since he said conventional was better at the time. And then now after my credit went from XXXX to the garbage. He doesn't answer the phone. And on a recent statement I saw his companies logo on the doc. Like this is way wrong and that, the broker/loan officer and the XXXX XXXXXXXX XXXX. Came up of a single women 's hard earned cerdit with the purchase and refi of the ( 2 ) properties. refi 1 house XX/XX/2017 and purchase of new property XX/XX/2017. The broker XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

some repair company I paid was trying to fix my credit I did not advise them they could open up accounts in my name and I came to find that an account by XXXX XXXX was on my credit report via fraud the company I paid {$2800.00} did nothing but added this company and didn't pay the bill for this is fraud and I want this fraud removed from my account
Product: Credit reporting or other personal consumer reports

Mortgage shopping and my credit score was impacted for each mortgage credit inquiry reducing my credit score each time, instead of once. My credit score was decreased XXXX points