23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In the divorce it states that my ex husband is to have the account solely in his name also the past due amount is wrong and I have sent them paperwork to prove that there should be nothing left to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A )
and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX & Equifax are refusing to correct all fraudulent & Identity theft accounts on my credit report. Neither Credit Reporting Agencies are Abiding with FTC rules, 609, 605, 607, 611, and 623. I have been in a constant battle with ALL THREE CREDIT REPORT BUREAU’S. My credit report was compromised and/or breached with my information. Equifax, XXXX, and XXXX have repeatedly ignore FTC rules for conducting investigations by the consumer, also neither agency has provided me with their Method of Verification I'd requested excluding verification by e-Oscar is not acceptable. Each Credit Reporting Agency- stated, the Bankruptcies found in Public Records were verifed by the furnisher "US Bankruptcy Court XXXX TN", which is highly unlikely according to the US Bankruptcy Court XXXX TN. I have filed Identity theft/Fraud Affidavit with the FTC and the IRS in hopes to Block Fraudulent Accounts on my Credit Report. I will attach all documents with FTC. I included an Expedited Correction of 10 days or less from today's date 09/09/2019. This matter has been going on for over a year. I am asking for this matter to be resolved IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not accurately verifying accounts or investigating disputes ... I have asked via letter for information of which they are using to verify my debt through original and 3rd party debt collectors .... I have received no original letters of authorization from the following listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX .... Moreover, XXXX account is listed multiple times with status or paid closed, derogatory closed, and card lost or stolen. Which indicates that after multiple disputes that the practices of this bureau are not following the rules under the FRCA ... Everything is currently under reinvestigation ... This is harming my reputation as a consumer .... I have placed a fraud alert on my credit report as well as with the FTC ... .I want all signed consent to inquiries be made available to me or asked that all inquiries that do not have authorized proof of documentation of my consent to be removed ....
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian  THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Mortgage

US Bank is a horrible bank to do business with.  Us Bank has refused and dragged out paying me my Escrow Amount  of over $10,000 as it is past 30 days and the still haven’t paid me my escrow amount since I paid off my loan.  To begin with they collected double my taxes and insurance, they refused to lower this amount, and now they won’t pay me the escrow amount since I paid off my mortgage over 30 days ago.  Don’t do business with US bank they are either XXXX incompetent and/or XXXX.
Product: Credit reporting or other personal consumer reports

Per the Privacy Act of 1974 and 15 USC 1681b- permissible purpose, all 3 credit reporting agencies ( XXXX, XXXX XXXX Equifax XXXX are in violation of my federally protected rights by reporting child support on my consumer report AND in my credit file. Child support payments and collections are NOT extensions of any credit, purchase money loan, installment loan, or other consumer transactions and should be removed from my consumer reports AND credit file. This is also in violation of UDAAP, FCRA, and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I called equifax to remove inquires that I did not authorize. I spoke with a US Rep that was handling my request, and was disconnected. I called back, and got another US Rep, and explained to him what happened, and how the previous rep was deleting ui theorized inquires, and could he continue. He told me that he couldnt do it. I then explained that the other rep was in the process Of deleting these unauthorized inquires. However he didnt care. He did not help me with what the other U.S Rep was more willing to do. These inquires are, XXXX XXXX, XXXX XXXX twice, XXXX XXXX , XXXX XXXX, XXXX XXXX twice, XXXX, XXXX XXXX , XXXX XXXX XXXX twice, XXXX XXXX XXXX, department of education. None of these places had my authorization.
Product: Vehicle loan or lease

TURNER ACCEPTANCE CORP XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Late payment Dates XXXX 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  In accordance of the federal credit report act this creditor has violated my rights 15.us.c1681 section 602 states I have the rights to privacy.

15.us.c1681 section 604A section 2 it also states an consumer reporting agency can not furnish an account without my written instructions.

15.us.c1666B a creditor may not treat a payment on a auto loan account under and open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score on XXXX XXXX. I noticed my score decreased even though I haven't applied for any loans credits cards ect. The website advised me I currently had a hard inquiry in my file. When I checked to see what it was for this came up Institution Information XXXX/XXXX   XXXX, FL XXXX. I tried to call the number to speak with anyone about this but no answers. I wanted to make sure my information hasn't been stolen. Agian I have not applied for any loan credit cards or anything like that so not sure what this is. Please contact me when you can my email is XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I deposited a government issued tax NY state star rebate check less than XXXX and it was immediately placed on a 100 % hold. I called USAA bank and was told the system places a hold for various reasons and it can not be reversed by a human interaction. The representative then states it will most likely be lifted on the next business day and I said ok because I have no other choice for options. The next business day came and the hold remained so I called multiple times to no avail, and then finally escalated this matter to a manager and was told because there was a history of overdrawn account activity within last 6 months they placed a maximum penalty time limit hold on a government check. I was told by the manager XXXX with USAA federal savings bank that she can not override any hold no matter what emergency situation or anything the customer encounters, that she has to rely solely on the computer algorithm system. So as a punishment, my government check is placed on a 5 day hold and I was told additionally that there are restrictions on my account preventing me from transferring funds, or increasing daily spending limits. I feel my rights as a citizen are being violated in a couple ways here even if I did have a history of any overdraft situations. A government issue check only takes one business day to verify funds are available. Keep in mind I have been a member of this banking company for 19 years and will absolutely be canceling all future accounts and any other business as soon as I can remove my funds. I am also filing a formal complaint within the office of the comptroller.
Product: Credit reporting or other personal consumer reports

Subject : Request for Inclusion of Accurate Bank of America Account with a Credit Limit of {$45000.00} on Credit Report To Whom It May Concern, I hope this message finds you well. I am writing to address a critical issue regarding the accurate reporting of my credit information, specifically concerning an active Bank of America account with the account number " XXXX XXXX XXXX XXXX, '' which was opened on " XX/XX/2019 ( 4 yrs, 5 mos ). '' This account, which carries a substantial credit limit of {$45000.00}, has not been appearing on my XXXX credit report, despite it being the only legitimate Bank of America account that should be reflected therein. 

It is imperative to clarify that this particular account should not be mistaken for any other Bank of America account that I may have disputed in the past. The account details provided are accurate and pertain to a valid and active financial arrangement that deserves proper representation on my credit report. 

I kindly request that XXXX take the necessary steps to ensure the inclusion of this accurate Bank of America account on my credit report. This omission not only affects the completeness and accuracy of my credit history but also has potential implications for my financial standing and future credit opportunities. 

I appreciate your immediate attention to this matter and request prompt action to rectify the absence of this account from my XXXX credit report. Please confirm once the necessary updates have been made to accurately reflect this account with its associated credit limit of {$45000.00}. 

Thank you for your cooperation and timely resolution of this issue. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ]
Product: Mortgage

I want to pay off my mortgage. I owe roughly $ XXXX. I have always been with banks and I could request a payoff amount online and see the amount due with the interest calculated up to the day the payment would be applied. My load was sold to Mr Cooper and they want to charge me a fee for preparing this amount. The amount they want to charge to tell me the payoff amount is {$25.00} plus another {$20.00} to expedite it if I want to pay off sooner than the prep time and XXXX mailing days. Is it legal for them to charge me to pay off a load and is there any way for me to pay this off without paying the fee such as making multiple payments to being down the mortgage and then make XXXX last payment. I understand this would take longer but this fee they charge is really XXXX me off. I have excellent credit. My score is XXXX according to my bank monitoring service. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : XXXX XXXX XXXX TransUnion for Willful Non-Compliance Under 15 U.S.C. 1681 Dear CFPB, I am writing to formally submit a complaint against TransUnion for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. This complaint concerns their handling of my XXXX XXXX XXXX account disputes, which I have raised multiple times. 

Despite my repeated requests for investigation and correction, XXXX responses have been inadequate and dismissive. Recently, I received a letter stating that the information I disputed was not currently on my TransUnion credit report. This assertion is troubling, as the XXXX XXXX XXXX account is a critical part of my credit history and should be accurately reflected in my report. 

Under 15 U.S.C. 1681n, civil liability is established for willful non-compliance with consumer credit reporting requirements. This law states that any entity that willfully fails to comply with these requirements can be held liable to the affected consumer. The liable party may be required to pay the consumer actual damages or a statutory minimum of {$100.00} to {$1000.00}. Given TransUnion 's repeated failures to address my disputes appropriately, I believe they may be in violation of this statute.

Furthermore, I am concerned that TransUnion is following a pattern similar to that of XXXX and XXXX, both of which have faced scrutiny for failing to conduct proper investigations into credit reporting errors. As noted in recent CFPB actions against these agencies, there is a clear obligation for credit reporting agencies to ensure the accuracy and completeness of the information they provide under XXXX XXXX. XXXX. 

TransUnion 's refusal to acknowledge and report the XXXX XXXX XXXX account accurately not only affects my creditworthiness but also jeopardizes my access to essential services such as credit, employment, and housing. Their actions appear to mirror the improper practices identified in the CFPBs recent investigations into XXXX and XXXX, raising concerns about systemic issues within the credit reporting industry. 

I respectfully request that the CFPB take action against TransUnion for their failure to comply with federal regulations under 15 U.S.C. 1681, as well as for their inadequate responses to my disputes. It is crucial that all credit reporting agencies uphold their responsibilities to consumers and provide accurate information.

Thank you for your attention to this matter. I look forward to your response and any actions you may take regarding my complaint.

Sincerely,
Product: Consumer Loan

I have received text messages that I never authorized. The text have threatened repossession. I have received emails threatening repossession. I had been in a bankruptcy at which they contacted me while I was in it. Received a text and a voicemail back to back. I have email and text saved
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiries in Dispute : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I recieved a loan for a XXXX XXXX  from Toyota finance services in XX/XX/2020. I paid off the loan early using their web feature to calculate the remaining balance in XX/XX/2020. The remaining remaining for the load was {$0.00} as was reflected on the XXXX and XXXX billing statements. Toyota incorrectly reported my loan as 60 days delinquent to the credit reporting agencies. Toyota has refused to correct this error. Please help.
Product: Checking or savings account

Since XX/XX/2021 I've been trying to cancel my google XXXX account number XXXX, but google arbitrarily claims suspicious payments, and the payments were made via bank slip, which makes any irregularity in the account impossible. I urgently request a refund of the remaining balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2020, i sent a dispute letter to Transunion Credit Bureau. An investigation was done and i was sent a response letter dated XX/XX/2020 that finished their investigation. I sent a certified dispute letter XX/XX/2020 to Transunion. Transunion received the letter on XX/XX/2020 per usps confirmation. A few weeks later, i get a letter dated XX/XX/2020 saying Transunion wouldn't reinvestigate the same item ( s ). The two items they wouldn't reinvestigate were a XXXX  XXXX credit card account and a bankruptcy. I sent them new information on XX/XX/2020. Example : Letters from Bankruptcy Court that specifically states they don't report or provide information to credit bureaus and a validation letter to ask where are the accounts under the bankruptcy. I have pictures of the return letter from Transunion on XX/XX/2020, pictures of the certified dispute letter, validation letter, the Bankruptcy court letter, and the certified mail receipt i sent on XX/XX/2020. I also have a picture of the Transunion letter dated XX/XX/2020 whereas they refused to reinvestgate. I dont know why Transunion would not reinvestigate after i sent my dispute letter in XXXX. I believe this procedure is against the law for the Fair Credit Reporting Act.
Product: Money transfers

Sold a car. Buyer deposited XXXX into my Paypal account then on delivery and acceptance deposited {$9500.00} on Sunday XXXX XXXX, 2016. On Monday at XXXX ; XXXX XXXX. I transfered the total, {$9900.00} to my bank account. Three days and six hours later nothing is transfered. My bank says " as soon as we have your transfer we will put it in your account normally XXXX to five days '' I asked why XXXX five days and my bank says they do n't know. Pay pal says the have sent the fund to the Federal Reserve where it will be processed and sent on to my bank normally XXXX to 5 days. I asked why XXXX to 5 days and Paypal says the do n't know probably a Federal Reserve policy. I ask why XXXX to 5 days when XXXX XXXX can do it in XXXX to 4 hours? I suggest that I should have suggested a XXXX Bus as it would be faster than XXXX to 5 days. Federal Reserve that they receive a " file '' of transfers from Paypal with instructions for the Federal Reserve to not release the funds for two days. 
Questions. Is Paypal making very short term loans like the overnight bank loans with my money? Why the two days at the Fed? The Fed says they process the transfers four times a day seven days a week. that is Paypal doing with the other two days?
Product: Credit reporting or other personal consumer reports

Roundpoint is holding over XXXX of my money and refuses to apply it to the multiple mortgages I have with them. It has been XXXX months since my checks were cashed and Roundpoint refuses to give me credit for the payments I have made and instead is report to the credit bureaus all my mortgage payments are late. I am a real estate investor pursuing additional investments, I have sustained actual damages because I have been denied credit due to the misreporting by Roundpoint. Roundpoints misreport has caused my credit score to crash more then XXXX points. Roundpoint is charging me interest on principal I have paid, denying me of justified reductions in my interest expense. Roundpoint has violated both civil and criminal statutes in the State of California.
Product: Credit card

On XX/XX/XXXX, I received a letter from Comenity Bank regarding an application for one of their financial products, Bread Cashback AMEX. I originally received a pre-approval offer that specified that I would receive a {$200.00} cashback bonus after spending {$1000.00} within the first 90 days ; this offer has a link to apply to have the offer applied when submitting the application. 

When I called Comenity bank, after receiving a letter on XX/XX/XXXX, the letter said " We have received your application ; however, we are unable to continue processing your application until you contact us to verify the information provided ''. 

After speaking to the representative, they stated that needed to re-submit the application as information on the application I submitted was incorrect. I asked would this affect the bonus offer, and they replied it would not and I was still eligible for the offer after the account was opened and all requirements were met. 

After receiving the card, I met the {$1000.00} spending amount by XXXX billing statement. I waited the 90 days and was told that the {$200.00} bonus would be applied by the XX/XX/XXXX billing statement, I also received a letter from Comenity stating the same information after opening a dispute resolution regarding not receiving the bonus per their specified terms. Every supervisor and representative said that the account was eligible and that I met the requirements and they all explained that I should have received the {$200.00} bonus offer. 

Since XX/XX/XXXX, I have had an open dispute ticket with Comenity and with no resolution until XX/XX/XXXX, in which the letter states, " Unfortunately your account does not qualify based on the Rewards program parameters established by BREAD CASHBACK ( TM ) ''. 

After call Comenity, the representative stated the note on the account stated that because the offer code on the marketing mailer for the {$200.00} offer was not applied, the account is ineligible. 

I have provided all documentation to Comenity regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

loan bank company XXXX  refuses to lend me money without no reason and refuses to give convincing reason as to why they refuse to give me lend me money? thank you.