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

I have requested for XXXX to remove reported late payments for all XXXX accounts by dispute online and in writing and it has yet to be updated. I have contacted XXXX and they have sent me proof that I havent had any late payments. This is a student loan account which has been on a IDR of {$0.00} since it has been with XXXX and prior to. However, XXXX refuses to update this information and these late payments are effecting my overall payment history.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the XXXX XXXX during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me.
Product: Debt collection

XXXX XXXX XXXX Company violated the fair debt collections practices act by implying that the debt had been sent to an attorney. After notifying them if the violation they removed the comment from my file where they stated it has been sent to an attorney, verifying guilt. Item should be removed. 

They are trying to collect more than the debt amount listed by the original creditor, not because of fees or interest, they just have the wrong amount listed. This violates the fcra. The item should be removed. 

They sent me an unsigned blank binder as verification of the debt. They are verifying the debt with a blank document. This is fraud. The item should be removed. 

I never opened this account, this item is the result of identity theft. As proven by the unsigned blank binder that they are using in an attempt to fraudulently verify the debt. The item must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car thru American Credit Acceptance. When I  purchased the car it had XXXX miles on it and was already a 10 year old car. The dealership convinced me that the car would get me to XXXX miles. In XXXX the engine went out and I was unable to pay the mechanic and the car note. The mechanic allowed me to make payments towards the repairs. I called ( XX/XX/XXXX ) my  finance ( American Credit Acceptance ) company and told them my situation before I went delinquent. They inform me that I would still need to pay my car note. Once my account was delinquent in XX/XX/XXXX it was now in the collections and I still tried to make arrangements with the company and they refused. XX/XX/XXXX I called again to make an arrangement and at this time they decided to settled for {$2500.00} and transfer title. I paid {$2500.00} and it is still reporting on my credit report as charge off collection. I would like this deleted from my credit report because I dont owe them anything
Product: Payday loan, title loan, or personal loan

I have fully repaid the loan I received from this company. The company will not release the debt. Actually, I have triple repaid the full loan amount and the company insist that the full monthly payments of {$510.00} be made. I obtained a loan in the amount of {$5000.00}, XX/XX/2015. The monthly payments were {$510.00}. I've paid a total of {$15000.00} which is three times the amount I borrowed. I am struggling to make the payments and the company refuses to take an extension or let me make partial payments.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX # XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the Equifax data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within XXXX  days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did NOT properly investigate the 6 collection accounts that STILL appear on my reports, all they are USING is XXXX which automatically puts your dispute into a 2 digit code. 

I am requesting a METHOD OF VERIFICATION as allowed by law. These accounts should be REMOVED from my report!
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX, TransUnion, and XXXX are such agencies, and I, as the Consumer, have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that each financial institution, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a duty to uphold customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report with the explicit written instructions of the consumer concerned. None of the mentioned financial institutions or reporting agencies have my consent to furnish this information, verbal, non-verbal, written, implied, or otherwise. All previous forms of consent are hereby revoked.

Under 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out. However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not informed me of this right. 

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information that predates the report by more than seven years. This account is adverse and is being reported without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), no one should furnish inaccurate consumer information to a reporting agency. XXXX, TransUnion, and XXXX are not maintaining reasonable procedures to avoid violations of consumer reporting laws. Additionally, 12 CFR 1016.7 allows consumers to opt out of reporting services at any timeI am exercising this right now.
Product: Debt collection

Fay servicing took over my loan XX/XX/2018 from XXXX  ever since day one i had a problem..fay servicing hold all my payments in a suspended account at the same time calling me saying i behind in payments ... XXXX told me to send XX/XX/2018 payment to them and XXXX would transfer the money to fay servicing ... .XXXX never transfered the money XXXX XXXX at fay servicing told me dont worry she will retrieve the XX/XX/XXXX payment from XXXX ... .XX/XX/XXXX fay servicing calls me saying i amXXXX behind in payments fay servicing was holding my payments in a suspended account and harassing me at the same time about the same payments i made..fay servicing told me escrow was low because my taxes went but this is a lie.then fay servicing told me i was behind in escrowXXXX dollars and have to raise my payments XXXX..The XXXX was forgiving by XXXX XXXX  during the modification negotiations and finalize in XX/XX/2018. Now XXXX and fay servicing are running a scam manipulating the amount of principal owed and fake escrow shortage i am XXXX the reason i had to modify and believe this is discrimination not to honor contract and manufacture problems to change the terms of my modification ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXX XXXX XXXXXXXX XXXX, XXXX XXXX was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

XXXX XXXX is known for doing bad practices of this nature. If this matter is not rectify ASAP!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, 2 USPS money orders for {$1000.00} each were deposited into my account. The account was promptly locked by Chase 's fraud dept. After numerous customer Service calls, I was told to physically go to Chase 's physical branch to verify the money orders, and I completed all requested actions to verify them. Then, a few days later, on XX/XX/XXXX, the 2 Money orders were debited " Debit DDA - Check Charge '' and removed from my account in 2 {$1000.00} transactions. A few days later, {$1000.00} was credited to my account, and on XX/XX/XXXX I withdrew the {$1000.00} balance. As of XX/XX/XXXX, {$1000.00} is still missing from my account and dozens of hours on the phone with Chase Customer service has yielded nothing. As of today, the account was recently blocked again pending closure, with no letters/emails/communication whatsoever updating the status of my missing {$1000.00}. This is the worst banking experience imaginable for a small business owner. It's illegal to take valid, verified funds, and close the account. As of right now, I can't even access this the transaction history as the account is " closed '' and they refuse to re-open it. The only resolution I receive in exchange for hours of my time is " an email is being sent to the back office that handles releasing the funds back to you, you'll hear from us in 4-5 days. '' Due to the appalling customer service quality, this never happens.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I utilized my rights under various federal laws ( including 5 USC 6802 ) to send an opt-out request to the major credit reporting agency : Equifax. The purpose of this request was to withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and financial information in relation to specific accounts on my consumer report. The accounts are as followed : XXXXXXXX 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 15 USC 6802 ( Gramm-Leach-Bliley Act ) : This statute is a key provision of the Financial Services Modernization Act, which requires financial institutions to provide customers with a privacy notice that explains the information collected, where it is shared, and how it is used. Importantly, it provides consumers the right to opt-out of their information being shared with nonaffiliated third parties. My request to Equifax, XXXX, and XXXX was based on this right. 2. Privacy Act of 1974 : This act establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personal information about individuals that is maintained in systems of records by federal agencies. While primarily applicable to federal agencies, its principles are echoed in the consumer rights afforded under the FCRA, particularly regarding individuals ' control over their own personal information. 3. 16 CFR 313.7 ( Regulation P - Privacy of Consumer Financial Information ) : This part of the Code of Federal Regulations requires financial institutions to provide clear and conspicuous notice to consumers about their privacy policies and practices, describe the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties, and provide a method for consumers to prevent such disclosures by " opting out. '' 4. 15 USC 1605 ( Consumer Financial Protection Bureau portion of the Truth in Lending Act, also known as Regulation Z ) : This section of the Truth in Lending Act is enforced by the CFPB and governs the transparency of consumer credit transactions. The CFPB 's portion includes rules for fair handling of credit reports and ensuring accurate and fair credit billing and credit card practices. It also includes the enforcement of penalties for non-compliance with these provisions. My complaint relates to this law 's provision for enforcing fair and accurate credit reporting practices. Issues Encountered : Despite referencing these legal provisions in my opt-out letter and the ample time provided for the credit reporting agencies to respond and comply with my request, there has been no satisfactory acknowledgment or action. My personal and financial information continues to be handled in a manner that I believe is inconsistent with these legal provisions.
Product: Credit reporting 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 USC1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX {$23000.00} Account Name : XXXX XXXX XXXX XXXXXXXX {$600.00} Account Name : XXXX XXXX # XXXX {$9700.00} Account Name : XXXX XXXXXXXX XXXX XXXX {$980.00} Account Name : XXXX XXXX # XXXX {$1500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4800.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Account Name : XXXX XXXX XXXX XXXXXXXX {$62.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} Account Name : US Dept of ED/XXXX XXXX XXXXXXXX {$510.00} I looked at my Experian credit report on XX/XX/year> 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 supposed 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 or other personal consumer reports

XX/XX/XXXX 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/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX 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 Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

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 card or prepaid card

I put {$10000.00} into a secured credit card with Wells Fargo. After nearly XXXX years, they would not release the funds and extend my credit. 

I paid all my bills on time, I had XXXX fico and kept my debt ratio below 30 %. They would still deny releasing my funds and would not give me ANY reason for the denial. 

About a month ago I walked into Wells Fargo and needed my money back because I am going through a divorce. I told the banker they can either do 2 things. 

1. release my money and extend the credit. 

2. I close the account entirely. 

The banker advised 1 - me if I wanted to close the account it would take XXXX days. 

2 - for a {$400.00} fee they would release the funds for me today and extend my credit. 

I left the bank feeling like the problem had been solved even though I paid {$400.00} to have them release my funds and extend my credit. About a week later, I went to my online banking and saw that my secured credit card was maxed out and the credit had in fact not been extended. 

Now they have already charged me {$400.00} after misinforming me, and now a further XXXX interest fee. The bank advised me that I would have to pay {$600.00} by the XXXX if I want to stay in good credit standing. 

I NEVER intended to do a XXXX XXXX only to close the account if they were not going to release my funds and extend my credit.
Product: Debt collection

So I randomly got a call from this company telling me I missed a court date and defaulted. However I was never served paperwork in any way or form. Just called weeks later to be told if I didnt settle up with them they would garnish my pay. So to avoid any issues I started a payment plan. However I feel as if I was taken advantage of because no one ever made me aware I was being sued for said issue.
Product: Checking or savings account

XX/XX/XXXX. I discovered XXXX was being paid to a XXXX XXXX XXXX. It happened in XX/XX/XXXX, XX/XX/XXXX, during a payment freeze/ holding. Therefore, I never noticed the transaction. XXXX XXXX XXXX, is company I thought I'd disconnected from my account by cancellation in XX/XX/XXXX ; after closing and the disconnection of XXXX XXXX. XX/XX/XXXX, was the initial payment date. They were paid from card ending in XXXX, since the cancellation I was issued a temporary card ending in XXXX. Also, I was told the past card numbers would be deleted from the system. The branch XXXX XXXX XXXX at the time showed me he deleted the past card numbers. 
XX/XX/XXXX, I discovered XXXX XXXX XXXX was being paid from my account through a different email address which, was XXXX. My only connection and payment to XXXX XXXX XXXX was offline, in paper format and notification through XXXX mail. When I spoke with a representative at XXXX XXXX XXXX in XXXX, I was surprised because, I remember complaining to their administration about XXXX of their receptionists and other problems, which is why I didn't want their services any longer. 
When the refund was returned in XXXX XXXX, I never received their confirmation email ; I asked her/ them what email they had, she gave me someone else 's. I had to give them my old email on XXXX XXXX, XXXX, to get a cancellation notification. That's when I discovered someone, using the Truist XXXX, paid them without authorization in XXXX, XXXX and never contacted me for the authorization. When XXXX XXXX XXXX contact them by cancellation email alert, they XXXX have come up with a counter scheme, using force, or an illegal activity continuing an entity or XXXX. procedure against me without a court proceeding, to pay XXXX XXXX XXXX for their ID or XXXX. This same someone is causing my bank summaries to come late ; I usually get them before the XXXX of each month. Someone's causing a hold and I'm being overcharged or robbed by a theft act. 
There's more going on here than banking ; it's XXXX profiling, discriminatory acts, for use of retaliation by force and entrapment, an act to curve my growth with TRUIST by forcing incompetent impulse mannerisms or abilities to reason. An error in research is at practice, disqualifying me for uses of intelligence. It's career vs. curriculum education and how XXXX. entities handle complaints by recipients of services instead of developmental practices ; that's unfair, deceptive and constructive fraud in a feudal administrative system.