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

Need an old loan removed from the title of my mom 's mobile home. She has passed away and I am the personal representative of her estate. It was a 15 year loan for {$10000.00} originated in XXXX which would have paid off in XXXX however never released. I called XXXX XXXX on XXXX, informed the customer service representative what I needed and she informed I can not speak with the lien release department however gave me an email address to send supporting documentation ( XXXX ). Tried to email several times however, failed every time. Called back and spoke to XXXX/CSR and she gave me a fax number of XXXX and on XXXX faxed request and all supporting documentation. On XX/XX/XXXX spoke with XXXX/CSR to follow up on request and she informed me she can not speak with the lien release however would email XXXX and one of them would call me back. Never heard from them. On XXXX tried XXXX XXXX extension however got XXXX who was not helpful at all. I asked to speak with a supervisor and she transferred me to XXXX which again showed no interest in helping. Just told me to fax the documentation again. Every time I call I have to tell my story all over again and if no one can speak with the lien release department how can this issue get resolved. I XXXX the fax number and confirmed it belongs to XXXX and see other complaints regarding this same issue. I also called Bank of America because the title showed XXXX XXXX XXXX XXXX, they immediately assigned me a case number and within 24 hours responded to my request and was told loan was transferred to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXXXXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXXXXXX XXXX XXXX-Not Mine Delete/remove from my credit file.
Product: Money transfer, virtual currency, or money service

I received a card from Cashapp in the mail I did not request. I contacted them through their chat after numerous failed attempts at calling. I made an initial case about the card asking for it to be cancelled and confirmation of cancellation. I checked in every couple days via chat. I checked back in today and was told to make a new case. I was told the old case was closed. I never received any correspondence about the card after making the case via chat. They sent me a link to provide photos in the initial case which I did and answered all their questions. They are now asking for me to do the same thing even though the photos were through a separate website and they confirmed receipt of the photos. I don't feel comfortable providing photos again especially through an outside website and I feel they are giving me the run around about closing it out. I will provide screenshots.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 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.XXXX XXXX # ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ACCOUNT XXXX XXXX no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( if ) 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 suppose 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, credit repair services, or other personal consumer reports

Unauthorized EXPERIAN credit pulls from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX I NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT & ACCORDING TO THE FCRA I'D LIKE TO HAVE THEM REMOVED IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Errors on Consumer Checking account screening report. I've been writing to request a correction of the following information that appears on my early warning report. 

Customer ID : XXXX # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX This account on the report shows that I was suspected of fraudulent activity but I was the victim of a scam and not the perpetrator. I've asked to please investigate. I did not do anything fraudulent. 


Thank You for your assistance
Product: Credit reporting or other personal consumer reports

This company has been furnishing my consumer report for some time claiming that I owe them a debt. Ive previously filed a CFPB complaint ( XXXX ) about them violating many of my rights by furnishing my report the way they have. Not only have they decided to take no remedying action, but they are also infringing HIPPA laws. Ive expressed to them that Ive given no permission for anything regarding my medical information/records to be shared. I expressed that I will be sharing this information and their negligent acts with the CFPB and may escalate it to the Office for Civil Rights and the Attorney General if necessary.
Product: Debt collection

This account has been placed in my credit report and I have no knowledge of who or what this is.
Product: Debt collection

CRM Collections company called my family, who are NOT listed as responsible parties on ANY of my bills, and told them I had a warrant for my arrest and that I had to call them back immediately. Also called my work number repeatedly from different telephone numbers, even though the calls were from the same company
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

TransUnion 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, credit repair services, or other personal consumer reports

In correspondence dated  XXXX   XXXX ,    2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard credit alert from my banking institution from XXXX XXXX XXXX claim XXXX  : XXXX. I have contacted all ( 3 ) credit agencies in this regard ; they provided me your website to file w/ you as well to expedite/complete the process on their end.
Product: Credit card or prepaid card

I have disputed a merchant taking money from my account for XXXX on XXXX XX/XX/XXXX. The dispute was resolved in my favor. However, after a month to XXXX XX/XX/XXXX each month the merchant which is XXXX charging my account again. I started a dispute with XXXX XXXX about the merchant and requested for the bank to block the merchant from charging my card. I changed credit card number for a few times but they still being able to charge my card. The bank refused to do anything about that. 
Dispute case number : XXXX
Product: Debt collection

The charges were the result of identity theft. They initially acknowledged that the charges were not mine and said the charges would be reversed, then sent me to collections anyway. I have proof of contacting them and them acknowledging that the charges weren't mine. Later, I paid the debt in order to have it removed from my account per our written agreement and they have still not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed two previously deleted accounts back on to my report with no notice of reinsertion as required by fcra law XXXX XXXX  XXXX XXXX XXXX Both accounts were deleted before and I did not receive notice of reinsertion. I would also like to request that Equifax provide me with a copy of the certification of accuracy for each account, as it is my right to do so. If there is no Certification of Accuracy for these accounts. that would indicate a violation is being carried out by the people at Equifax
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Bank account or service

Charles Schwab has illegally interfered with my bank account deposit of {>= $1,000,000}. 

Yesterday we wrote checks against this large deposit. 

My car purchased Sunday ( XXXX XXXX ) on Sunday and wrote a $ XXXX+ to pay for it. 

These stockbrokers should be assessed a {>= $1,000,000} for this fraud.
Product: Checking or savings account

I was contacted for some one that offered me a job by my XXXX XXXX Email through my college, they offered me to wrap my car with advertising with a product called " XXXX XXXX XXXX " and they would pay me XXXX XXXX XXXX weekly, I accepted the job because I thought would a good opportunity to improve mi income. After this, the company asked me about my personal information and send this to them. Next to this, they sent me a check for {$4.00} and told me that I would can get my {$500.00} dollars and the rest, {$4.00}, would pay the person who would come to my house to wrap my car. They sent me a check. I printed, and deposited it in my account. Some minutes later, my bank contacted me by email where they said that a fraud activity was done in my account. I called the bank and talked with some one and this person told me that my account was frozen, and I had to call to the fraud department. I called them the next day and someone told me that they had canceled and closed my account. I tried to explain them, but they did not want to listen me and they were really rude with me. If I did something wrong, I did not have the knowledge, and I was really XXXX and unintentionally. They did not take the time to review the case, make an investigation and try to help me. They made me feel like a criminal, despite I had the account with them for several years.
Product: Debt collection

XXXX XXXX Authorized Agent : 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 Transworld Systems Inc. 
XXXX XXXX XXXX XXXX, DE XXXX Subject : Demand for Immediate Cease of Debt Collection and XXXX  Out of Account - Debt Amount : {$4400.00} ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the validity of the debt in the amount of {$4400.00} that is allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and being pursued by Transworld Systems Inc. ( TSI ) . I am requesting immediate cessation of all collection efforts on this account for the following reasons : 1. Lack of Legal Ownership of the Debt It is my understanding that XXXX no longer owns the receivables in question, as they have sold all of its right, title, and interest, if any, in the receivables existing in the initial accounts that XXXX owns, which have been inevitably transferred to the XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, XXXX  is not an eligible servicer under the current Fourth Amended and Restated Pooling and Servicing Agreement, dated XX/XX/XXXX, and therefore can not legally perform servicing functions on behalf of the trust. As such, XXXX does not have the legal right to c

ollect on the debt or sell it to third parties, including Transworld Systems Inc. It is unlawful for a party to attempt to collect or transfer the collection rights of a debt they do not own. 2. The Trust Is the Legal Owner of the Receivables As per the AMENDED AND RESTATED RECEIVABLES PURCHASE AGREEMENT dated as of XX/XX/XXXX, the receivables related to this account have been legally transferred to the XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is the designated servicer for the trust. XXXX, being merely the account owner, does not possess the authority to directly collect the debt or transfer it to third-party collectors like Transworld Systems Inc.. Any collection actions taken by XXXX or its agents ( including TSI ) are unauthorized and in violation of the terms set forth in the transaction structure.

3. FDCPA Violation As XXXX  is not the legal owner of the receivables, it is engaging in ultra vires ( beyond its legal authority ) acts by attempting to collect this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited for debt collectors to misrepresent the ownership of the debt or to collect on a debt they have no right to pursue. By continuing to engage Transworld Systems Inc. and its affiliates in efforts to collect on this debt, XXXX and TSI are violating the FDCPA by misrepresenting their legal right to collect and potentially harassing me over an illegitimate claim.
Product: Credit card or prepaid card

ON XXXX XXXX MY HUSBAND AND I WERE VICTOMS OF A SCAM DONE BY XXXX XXXX XXXX ( XXXX ) MY CHASE CARD WAS CHARGED XXXX BY XXXX. AFTER RELEIZING THAT THIS COMPANY WAS A COMPLETE SCAM I TRIED TO CANCEL BUT ALL THERE NUMBERS WERE DISSCONNECTED I THEN CONTACTED MY CHASE CARD ON XXXX XXXX I DISPUTED THE CHARGE AND A XXXX XXXX CONTACTED THE APPROPIATE PEOPLE AND THEY TOLD HER I WOULD RECIEVE A REFUND IN 4-6 MONTHS. I HAVE ATTEMPTED TO GET HELP FROM MY CARD COMPANY WITH NO LUCK I AM AN ELDERLY WOMAN WHO HAD TO BORROW MONEY TO PAY THIS DUE TO THE HIGH INTEREST RATE. I DONT UNDERSTAND WHY MY CARD COMPANY WILL NOT HELP ME I AM SUPPOSED TO BE PROTECTED AGAINST THINGS LIKE THIS. I FEEL AS THOUGH NO ONE IS WILLING TO HELP ME AND THESE PEOPLE JUST GET TO RUN OFF WITH MY HARD EARNED MONEY. I DONT UNDERSTAND WHY NO ONE IS WILLING TO GET MY MONEY BACK. I HAVE DISPUTED THIS CHARGE MORE TIMES THAN I CAN COUNT OVER THE YEARS AND I WILL NOT STOP TILL I GET MY MONEY BACK
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report that I believe are the result of identity theft following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following fraudulent accounts and inquiries : Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX o Date Opened : XXXX o Current Balance : {$2200.00} XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Current Balance : {$680.00} Inquiries to Be Blocked and Deleted XXXX XXXX XXXX ( Date : XXXX ) XXXX. XXXX XXXX  ( Date : XXXX ) XXXX. XXXX XXXX  ( Date : XXXX )
Product: Debt collection

Continental Loans in XXXX, TN has continued to contact my mother ( I am XXXX XXXX XXXX ) regarding a loan I have with them. Once they required HER to make a payment, and yesterday XXXX called her and told her all the details regarding my account. From the date opened, to the amount of the loan, to the payments.
Product: Debt collection

Happy Saturday everyone!!! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruadlent Accounts on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX