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

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to this, XXXX was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Auto is incorrectly reporting a late payment on my credit report. I never paid any of my accounts late and they have reported that I made a late payment in XXXX which is not correct. All my payment were made on time
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinstating previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be handled in a similar manner.
Product: Credit reporting or other personal consumer reports

This is my reply to your letter dated XXXX. 
You stated I was provided a copy of the " XXXX PRIVACY Policy " XXXX. 

What I did not receive was disclosure forms which by XXXX you are required to have on file bearing my signature giving you permission to transport my non public personal information. 

I am sure you can not provide the signed disclosure forms which is why you have FAILED to mention them or you simply are not informed as you should've. 

Your company should know or should have known this. 
I hope I am communicating with the employee assigned to handle Zales Privacy Issues. 


Are you up to par with firms responsibility to having assigned an employee that is familiar with the SAFEGUARDS RULES which is a RULE the LAW recently made a requirement for dealing with companies like XXXX Privacy Issues? 

Please provide signed Disclosures bearing my signature which would prove I was afforded the right to OPT in or Out of credit reporting in accordance with LAW. Please believe, I do not have a problem with your explaining to XXXX superiors why XXXX is spending {$300.00} to {$500.00} an XXXX to represent them in this matter because they can not provide signed XXXX forms bearing my signature giving my consent to report this information to the credit reporting agencies which would also cover the NOTICE requirement simultaneously. 

Remove this alleged account from all credit reporting agencies.
Product: Credit card

Credit Card Fraud **Subject : ** Unauthorized Transactions on Credit Card **Complaint Description : ** I discovered multiple unauthorized transactions on my credit card statement. I reported it to my credit card issuer, but they have not yet resolved the issue or refunded my money. I am concerned about the lack of urgency and need the CFPBs help in rectifying this situation. 

USAA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute an error on my credit report that has significant implications for my financial standing. Upon reviewing my credit history, I have identified a troubling discrepancy involving the same account being reported twice by two separate creditors : Hunter Warfield Inc. and XXXX XXXX MA. This duplication not only misrepresents my creditworthiness but also raises concerns regarding the accuracy of the information being utilized in assessing my financial reliability. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution regarding this erroneous duplication on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I contacted this collection agency back in XXXX/ XXXX/ 2017 regarding the validity of this account. According to my FCRA & FDCPA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.
Product: Credit card or prepaid card

Account from XXXX XXXX. 
The whole account Balance of {$360.00} for XXXX XXXX was paid in person, was paid in full and in cash, back on XX/XX/2018after the customer service representative in the store denied taking my payment because I was using a Debit Card with a Visa Logo and had a chip. 
They did not gave Me a received Because it couldn't print but later that day I did received proof of payment by e-mail from XXXX XXXX. After a week the payment was never posted to the account, so I requested an investigation. After weeks in some of the Credit Bureaus it was update that the account was paid in full. But an about two months later I received a letter stating that they couldn't find the payment so they reverse all charges. Not only that they reduce my credit line from {$8000.00} down to {$500.00} dollars they also closed the account. 
Now they ( XXXX XXXX ) is reporting the account every month to Credit Agencies being late and are charging every month late fees.
Product: Credit reporting or other personal consumer reports

Write-In accordance with the fair credit reporting acts the account below has violated my federally protected consumer rights privacy and confidentiality. Under 15 usc1681 Paypal Credit/SYNCB/PPC Account number XXXX Opened- XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Opened-XX/XX/XXXXXXXX XXXX Account number-XXXX Opened- XX/XX/XXXX XXXX XXXX Account number- XXXX opened- XX/XX/XXXX 15usc 1581 section 602a states I have the write to privacy.

15usc 1681 sec 604a section2 it also states a consumer reporting agency can not furnish my account without my written instructions.

15usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following Items of information and other adverse items of informations other records of connecting of crimes which indicates the reports of more than 7 years.

15usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish information related to a consumer to any consumer reporting agency of the person knows or have responsible cause to believe that information is inaccurate.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits m, I was unfairly charged overdraft fees. 

This issues appears consistent with recent findings by the CFPB which identified similar practices by NFCU, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX  business days of receipt,
Product: Student loan

Wells Fargo would n't let me consolidate or reduce monthly payments as per my income. They also defaulted XXXX of my XXXX private loans I had with them despite me making partial payments. On a separate occasion I received email notification that someone tried logging in to my account and that my account had been locked. I was forced to call them to re-open it and when I told them about someone other than me trying to access my account they ignored me. Furthermore, they were harassing me for payments while in school around XXXX of 2015. I was never offered a grace period after graduation in XXXX of 2015 and they ended my in-school forbearance two months before it was scheduled. I understand that I may not receive anything for this but this should never happen to a student regardless of situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXXXXXX XXXX XXXX XXXX Balance : {$290.00} Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Bank account or service

This is an addition to an original complaint case # XXXX The $ amount first stated was in error. The correct shortage $ amount is {$36.00} Received $ XXXX from XXXX XXXX Trust from a XXXX Account on XX/XX/2016, deposited check on XX/XX/2016 to XXXX XXXX XXXX, XXXX withdrew {$600.00} from my account on XX/XX/2016 check cleared XXXX XXXX Trust and re-deposited to my account on XX/XX/2016 in the amount of {$560.00} XXXX XXXX charged an additional {$13.00} for XXXX XXXX XXXX for handeling but did return that fee after arguing the fee charge with them but denied any knowledge or involvement with the missing {$36.00}. After further investigation I have reason to believe Western Union Business Solutions have there hand in that missing money. I was not aware of any fee 's or deductions from the original {$600.00} there was NO explanation on the shortage what so ever and I did not agree to any fee 's associated with this. I want this money back. As far as I am concerned it was taken ( stolen ) from me illegally, not only do I want it back I would like to press charges against the perpetrators.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. 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 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 months that are reported late 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 XXXX XXXX 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 1002 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 or other personal consumer reports

My student load with Mohela was completely forgiven as of XX/XX/2023. It still has not been reported to the credit bureaus as forgiven or paid. I've emailed Mohela and filed a dispute with XXXX to no avail. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Portfolio Services you have violated section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) section 807 ( 7 ) of the Federal Debt Collection Practices Act ( FDCPA ) and Federal Trade Commission ( FTC ) because you have responded to my multiple disputes with the credit reporting agencies in regards to this account. According to the FCRA, FDCPA and the FTC Notice to Furnisher Obligation of Furnishers you are REQUIRED and Obligated to provide NOTICE of DISPUTE within 30 days after a consumer file a dispute with the consumer reporting agency. According to the consumer reporting agencies and my consumer report in multiple times in 2023 but did not furnish to the credit agencies that the information is disputed by consumer as REQUIRED according to the FCRA, FDCPA and the FTC. This a serious violation of section 623 ( a ) ( 3 ) of the FCRA, violation of section 807 ( 7 ) of the FDCPA and the FTC and grounds for deletion of this account. The required Notice of Dispute still doesnt report or appear on my consumer report as of today XX/XX/2023, 120 plus days after Consumer Portfolio Services responded to the credit reporting agencies re-investigation multiple times in 2023. I have provided as proof documentation multiple XXXX consumer report and Identity XXXX XXXX XXXX  neither reports showing the required Notice of Dispute. I have also provided as proof documentation a copy of the section of the FCRA, FDCPA and the FTC pertaining to my dispute highlighted for your review. 

Because of this FCRA, FDCPA and FTC violation committed by Consumers Portfolio Services I request that Consumers Portfolio Services update this account to show No Data for the month of XXXX and XX/XX/2023 or update this account to show paid as agreed for XXXX and XX/XX/2023 or delete this account from my consumer report for violating section 623 ( a ) ( 3 ) of the FCRA and violating section 807 ( 7 ) of the FDCPA and FTC pertaining to Notice of Dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied online for a credit card with Citibank approximately XXXX XXXX. I never received the card and approximately XXXX XXXX I received a call from a customer service representative from Citibank advising my payment was 30days past due. I advised the representative that the card was never received or activated, and therefore no charges were made by me. The representative advised the charge was for the annual or yearly fees associated with the card. The representative confirmed that the card was never activated and At that point I closed the account, and was advised the charges would be reversed. Several months later a 30 day late was reported to all three credit reporting agencies. I called the original creditor and advised to have the item removed and they alleged they could not remove this item. In addition I wrote a letter to the credit dispute department at citibank asking for the item to be removed, and they advised they followed all rules and they were not at fault. 

It is my understanding that credit reporting is to administer/report delinquent acts by the consumer when they fail to repay under terms of the agreement. In my situation I did not make any charges and I never received the card for activation, I did not activate the card and I did not make any purchases with the card. At the point of cancellation, before I even saw the 30day late on my credit report, I cancelled the card and was advised by the representative that the annual fees would be reversed. 

Credit worthiness is very important to me and all consumers demonstrating an ability for an individual to repay debt in a timely manner in accordance with the terms of the loan or credit issued. I take this very serious and exhausted all means to resolve this with the issuing credit company, and did not receive any cooperation. As a society we have a responsibility to be pragmatic and practical with policies and regulations, and companies should be held responsible for practices that are not consistent with sound consumer financial issues. The creditor was not disenfranchised by any act by me, again the credit card was never activated or used. 

** ( Please note this for the account that had a {$450.00} charge for the annual fee, I have another account from the same creditor on my credit report that is accurate that does not show any late payments, that account is not in question )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX****