23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On as many as  XXXX  occasions over the past year and as recently as   XXXX   XXXX   XXXX    , I have submitted disputes with TransUnion regarding an illegal tradeline on my credit report. The illegal creditor in question is  XXXX   XXXX . I have provided evidence that this lender is not legally licensed to offer loan products, nor collect in the state of Florida and this tradeline is therefore illegal and unenforceable under FL Statut e 516 of the Consumer Finance Act . In   XXXX   XXXX     following the closing of my dispute with TRU as " verified '', I contacted the creditor again demanding compliance with the FCRA, FDCPA and FL Consumer Finance Act by either providing evidence of the legality of the debt and full validation or removing this illegal account.  XXXX  responded with a statement that they do not need to comply claiming tribal immunity. They then reduced the alleged amount owed to zero, but refused to remove the reporting.     A brief search of the CFPB database shows that this particular creditor is well known to be an illegal, online predatory lender who does not conform to state or federal law and routinely holds people 's credit repo rts hostage to extor t money from them.     I have repeatedly disputed this account with TransUnion only to be told that it had been " investigated '' and found to be valid. This is simply not possible as a simple check of the online Florida  Office of Financial Regulation license  database shows that they do not possess a loan origination or collection license, making the entire alleged debt illegal, invalid, and unenforceable under state law.   XXXX   XXXX   XXXX   Statut e 516 of the Florida Consumer Finance Act clearl y states that a license is required in order to make consumer finance loans as well as very strict guidelines on interest rates and terms that  XXXX  is also in violation of. The law states that loans not in accordance with this statute are invalid and unenforceable.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven invalid. According to the Fair Credit Reporting Act, accounts that can not be verified or are otherwise found to be invalid must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am asking for the CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and invalid tradeline from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached letter from XXXX XXXX shows I was not 90 days late in XX/XX/2018 and I was not 120 days late in XX/XX/2018 further while in Forebearance I made payments attached. These entries have ruined my employment credit standing and I am requesting immediate removal of late entries of XXXX and XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. Account Name : XXXX XXXX XXXX Account Number : XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

I received a call from my XXXX brother from someone who called and claimed that they attempted to deliver documents to me but could not reach me. 

I reached out to the number and it was connected with XXXX XXXX XXXX, and the contact person was XXXX XXXX. 

This person claimed I had a debt with Bank of America ( never had a relationship ), then claimed it was a credit card with XXXX, I paid all my credit cards and my credit score is reasonably good. 

Person then claimed that there was a court date and that I would be sued for the debt. The person also claimed that my place of business would be contacted and that debt would be placed against my property- including house XXXX car, etc. I told the person that I needed to receive whatever claim of documentation. The person insisted that the call constituted 2 forms of contact and as mediators they did not have to do so. They also claimed I had the account for 6 years. I do not recall such a debt and have paid any all credit cards that I had or have. 

My major concern is that this entity has my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting Issue with Amazon prime account that I do not open. 
Balance : {$240.00} XXXX # XXXX SYNC/AMAZ XXXX XXXX XXXX, XXXX XXXX TX XXXX Tel : XXXX In XX/XX/2020 I received a bill from Amazon let me know I have past due account {$240.00}. I called Amazon, they told me sine XXXX that Prime membership fee and late fee add up. I told them I do not open this membership, if I order amazon I have my credit card online to pay, I dont even know what prime membership I ask them to close, they said they will close and I should not worry ( XX/XX/2020 XXXX. I don't even know until lately. 
We are offer to buy a home in XXXX California in early XX/XX/2020, the mortgage company run the credit and XXXX show that the account is closed but still have balance and past due, my credit score is low and the bank don't accept for the home loan. I called amazon so many time and talked to 6 people and present my case, if I have known the details of closing meaning I should have clear everything in XX/XX/2020. They said the fraudulent department will put this case in dispute XX/XX/2020, and dispute letter will mail to me in next 7 to 10 days and the investigation will take 30 to 60 days to remove my name from the TRADE LINE so my score can go up. 
Please help me in your authority our loan in the process I have XXXX weeks to close the loan to buy the house that what we need right now I can't wait for 30 days. Please help us AS Soon As you can. 
Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to have unauthorized fraudulent inquiries removed from credit report to XXXX I asked them to investigate them and have them removed.
Product: Student loan

On   XXXX   XXXX   XXXX     at approximately  XXXX  I called Navient customer service to inquire why my account was showing a past due balance and all payments have been made. I 'm on an income-based repayment program and based on a letter I received dated   XXXX     my current plan is effective through   XXXX     and my renewal of plan was approved. Customer Service Representative  XXXX  (  XXXX  ) reviewed account and provided misinformation, stating my plan expired in  XXXX . I read contents of letter and continued to receive misinformation, then requesting to speak to a supervisor. I was on hold for excess  of 40 m inutes, intermittently told that no supervisor was available and that same customer service rep continued to talk and place me on hold. After insisting I was finally transferred to a Supervisor  XXXX   (   XXXX   ) wh o informed that my plan expired and I had a higher payment for  XXXX , despite the letter I received indicated my plan was effective through  X/XX/2017   . The call continued with no resolve.
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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

I recently removed my credit report and noticed an account that was reporting inaccurately. I have 1 late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy if my credit report to this complaint on the following dates XX/XX/year>. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX and was charge 27 % interest. According to the Illinois predatory lending act the average I should be charged is 13 % - 18 %. Please advise
Product: Credit card

I had a debt that I was trying to pay off. In order to pay it off I used a balance transfer check from Capital One in order to have 0 % APR for one year. Five months later I realized that I was getting charged interest of 26 %. I called and they told me that there was some mistake and there is nothing they can do. Essentially, saying I used an expired check. However, I 'm pretty certain I did n't use an expired check. I asked for a copy but I 'm not getting one. And, they agreed that if the check was expired, it should have never been valid. I called again because it was very clear why I used a balance transfer check. Now they are refusing to return my interest of {$440.00}. They are saying there is nothing they can do.
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America sent a letter in regards to my account ending in XXXX. Stating that " We've received notification that you've filed a petition for bankruptcy, case number XXXX. As a result of the filing, we've closed the above account. '' The bankruptcy mentioned in the letter has absolutely nothing to do with me ( or anyone I know or am acquainted with ) and was erroneously tied to my account by Bank of America. This is the second time in the past 3 years this situation has happened with Bank of America. 

I am not filing for bankruptcy and never have. 

In XX/XX/XXXX I received a very similar letter, but it did not state my account would be closed. After conducting my own research in XX/XX/XXXX I learned that an individual in Florida who is also named XXXX XXXX filed for bankruptcy, and somehow Bank of America tied it to my account. 

If Bank of America had proper procedures and steps to verify the identity of their account holders and data they receive from third parties, it would have been clear that the bankruptcy should not be tied to my account. 
After speaking with a Bank of America representative on MXX/XX/XXXX, she informed me that this most recent letter is still part of the same bankruptcy filing from XX/XX/XXXX ( case # XXXX ). 

In both 2016 and this most recent situation in XX/XX/XXXX, Bank of America has documented my account that the bankruptcy filing on my account was placed in error. 

However, Bank of America has still closed my account. 

Now this situation has negatively affected my credit due to the closed account, and they will not reopen my account without requiring me to reapply as if I'm a brand new customer. Even though they claim responsibility for the error. 

I refuse to have to go through the reapplication process because the hard credit inquiry will further negatively affect my credit. 

I have been an excellent customer for the past three years with excellent payment history, and my credit is being punished due to an error on their part. 

I request that the account ending in XXXX be reopened as it was before because Bank of America has accepted that it was an error on their part of having the bankruptcy filing on my account. Twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1700.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/XXXX I received notice from XXXX  that a derogatory XXXX was places on my XXXX and XXXX reports from XXXX XXXX XXXX for a payday loan from XX/XX/XXXX in the amount of {$460.00}. I have never received any communication from this company and I have no knowledge of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, CAINE & WEINER ( Opened XX/XX/XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
Product: Debt collection

Fraudulent checks written starting XX/XX/XXXX through XX/XX/XXXX. All were reported as identity theft to XXXXXXXX XXXX XXXX XXXX and this account was closed. All of the checks that were fraudulently written were paid by the bank as the account wasn't closed until XX/XX/XXXX. I was also reimbursed by this bank and a new account was opened. 

I received several debt collections letters from TRS Recovery services whose representatives tell me they work for TeleCheck Services. These letters arrived starting XX/XX/XXXX. I reported the debt (? ) as fraudulent and TRS has closed the case. 

I have not been able to receive - to my satisfaction- how these checks ended up as my bad debt as the vendors and I have all been paid. Even if XXXX XXXX XXXX ( the two vendors ) hadn't been paid, how was I sent to debt collections as I already told the bank these checks weren't mine? TRS states they can not tell me this information and has not resolved this issue to my satisfaction.
Product: Mortgage

We are a law firm in Texas. Royal United Mortgage claims one of the attorneys made an online inquiry with Royal United Mortgages. The attorney stated he does not recall making an inquiry with Royal United Mortgage online and is not interested in their service. The attorney asked that I relay that information to the caller from Royal United Mortgage. After being informed that the attorney is not interested and did not make the online inquiry, Royal United Mortgage continues to make harassing phone calls to our office.
Product: Vehicle loan or lease

I currently tried to resolve this problem with credit acceptance. I submitted a FTC report, and file a police report inregared to this auto loan. I requested this loan to be removed off my credit. I didn't open this loan.
Product: Debt collection

I received an email from this company telling me that I owed them a debt and that I gave them permission to contact me via my email and I did not. I could not access the content of the email so I called the company. I instructed he representative that I did not know what the alleged debt was in regards to and he kept trying to get me to set up a payment arrangement for a debt that is not mine. I refused and told him that they were no longer allowed to contact me via phone or email but throu gh US mail only. I instructed him to send me everything the had in regards to the debt so I could review  it
Product: Money transfer, virtual currency, or money service

I had a fraud incident occur on XX/XX/XXXX where {$450.00} of my funds were moved out of my American Express XXXX XXXX preferred credit card and sent to a person I do not know via XXXX via an American Express XXXX XXXX XXXX account. Immediately I created a case with American Express on that day noting that it was a fraud incident. American Express mentioned they would initiate a fraud review process but could not confirm when I would hear back on a resolution but they did confirm on a recorded line that they started a fraud review case. I then changed my login for my various American Express accounts and had a new credit card issued to replace my existing compromised one. Some of the stolen funds were not transferred out of my XXXX XXXX  XXXX account and remained there, which were returned to me which makes the total amount taken from me {$400.00}, which I have yet to be reimbursed for. I checked again in two weeks and spoke to someone who shared that notice would be provided " soon ''. After calling a third time on XX/XX/XXXX, I found out that a case had not been instituted despite American Express claiming as such, and they opened a new case, claiming they were not able to find the previous one. I called them earlier today to share the news that XXXX had completed their separate investigation and confirmed that the transaction was fraudulent and likely entailed identity theft. XXXX instructed me to confirm with American Express as such, that fraud did occur and to initiate a chargeback. After calling American Express earlier today, they said that I would have to wait a month to have a verdict on the fraud instance, despite XXXX confirming that fraud did occur and American Express " investigating '' and knowing about this fraud situation for well over a month and a half. Not only has American Express failed to update me on the status of my fraud situation, but they have misplaced a preexisting fraud investigative case that was recorded and made me wait over a month and a half with no progress. My interactions with American Express have summarily been incredibly unsatisfactory and disappointing.
Product: Mortgage

I have tried to reach Lakeview or XXXX or XXXX, whatever their name is. Hold times are beyond unacceptable and they have not taken the steps promised by their agent on XX/XX/XXXX. This entire mortgage was setup so that a large pricipal payment could be made shortly after closing. Lakeview is simply unresponsive and unable to be reached. My first non-professional experience with Lakeview is disappointing.
Product: Debt collection

I was a patient at a XXXX XXXX treatment facility called XXXX XXXX, XXXX XXXX from XX/XX/2018 until XX/XX/2018. I was initially admitted to the facility under the agreement that the cost of my stay would be covered by my health insurance, XXXX XXXX XXXX. After six weeks into my stay, it was discovered that my health insurance had terminated due to a payment issue with the cobra website and I was informed I had to sign an agreement that stated I would be responsible for the total cost of my stay at inpatient and the remainder of my stay at their XXXX XXXX  and XXXX. ( My health insurance had mistakenly approved all the days of my stay up until that point ) I was told that if I did not sign this agreement I would have to leave the facility granted at the time I was still medically recovering and did not have any where else to go. 
I reluctantly signed the payment responsibility agreement under duress and informed the staff at the facility that I would work with my former employer and cobra to try to have my health insurance reinstated so the payment matter would be fixed. Two to three weeks later while I was waiting to hear back from my former employer, the staff at the XXXX XXXX XXXX XXXX  XXXX  facility told me they could no longer wait for payment and that I had to be discharged. The director of their XXXX  facility, XXXX XXXX and her coworker were extremely bullying and stated to me this is your fault because of your XXXX XXXX XXXX XXXX Three months later, on XX/XX/2018, I received a letter that stated I owed a {$13000.00} + bill to XXXX XXXX for the cost of my stay at their facilities. I called their billing department to inform them that I was not responsible for the payment and that the responsibility belonged to my former health insurance provider, XXXX XXXX XXXX. 

The bill was eventually turned over to a creditor, Credit Management. The amount for the bill now stands at {$11000.00} I do not owe this money, I signed responsibility for the payment only because I was under duress and I was not mentally/medically in the right state of mind to sign as evidenced by my then need for a stay at a treatment center. My signature on the patient financial responsibility document ( attached ) was not notarized.