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

On XX/XX/XXXX I requested via certiied mail, return reciept requested, that the company provide me documentation that I had applied for credit with them. I provided a copy of my Drivers License and a page showing the inquiry on my credit report. I have absolutely no idea what this company is, nor what they offer. 

The XXXX XXXX was signed for by the company on XX/XX/year>. I have not received any communication from them. This inquiry remains on my credit report.
Product: Credit reporting or other personal consumer reports

1. This account was charged off on the following date XX/XX/XXXX. Since then the account has negatively been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it multiple times and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX  # XXXX XXXX. I recently disputed the accuracy of this account and it was verified as accurate multiple times how is this possible : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general If, 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, basin the results of investigation and ( ii ) promptly notify the furnisher of that information that the information has been notified or deleted from the file of the consumer : As you can see above is not accurate and the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is incomplete and NOT accurate also the highest balance history is incomplete, the payment history is incomplete if I made a payment in XX/XX/XXXX why is it not showing in the payment history also the monthly payment amount is incomplete : XXXX XXXX # XXXX
Product: Student loan

I've been paying on my student loans since XX/XX/2008 to present and every deferment every assistance that they give me increases my loan I have a loan that went from 70 something thousand dollars to {$120000.00} and navient is refusing to assist me. I'm currently on XXXX and still can not make payments nor was I even able to complete School XXXX XXXX closed before I could get my degree
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REFER TO THE ATTACHED DOCUMENTS PLEASE Dear XXXX, TransUnion, and XXXX The following damages will be taken to civil court on XX/XX/2023 in XXXX XXXX if, monetary relief isn't given for the following damages : {$5000.00} in monetary relief under 15 U.S.C 1692k. 

1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

4 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation.

5 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal.

According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit with the following documentation. 

XXXX, Transunion, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance. Once again, a police report isnt needed in the identity theft block and removal process. 
INVALID INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Removal of XXXX Account Number XXXX from Credit Report Dear CFPB, I am writing to request the immediate removal of the account number XXXX from my credit report. Despite repeated attempts to address this matter, the account remains unjustly listed, and I believe it is in violation of the Truth in Lending Act ( TILA ). 

The TILA mandates that consumers receive full disclosure of all terms and conditions when entering into credit transactions. However, in this case, full disclosure was never provided to me. As per TILA regulations, creditors can be held strictly liable for any violations, regardless of intent. Therefore, I am within my rights to rescind the loan and request the removal of this account from my credit report. Full disclosure includes making me aware that Im the one who extended them credit. Failure to do so constitutes a breach of contract. Hence, I urge you to remove this account from my credit report promptly. 

Moreover, it is my understanding that every contract signed is considered a security, and funds should be deposited and transferred into my Treasury Direct Account ( TDA ).

Furthermore, I wish to emphasize that contracts must be entered into between two living individuals, and full disclosure must be provided. Since these criteria were not met, I am requesting the voidance of the contract and the subsequent removal of the account from my credit report.

If the account is not removed within the next seven business days, I will be compelled to escalate this matter further. I will seek your indenture trustee and trustee information to facilitate the transfer of my past due securities and monthly securities to my TDA account.

I trust that you will address this matter with the urgency it warrants. Thank you for your prompt attention to this request.
Product: Money transfer, virtual currency, or money service

I was issued a refund in the amount of {$2200.00} from XXXX to a CLOSED Citizens Bank checking account on XX/XX/2019. Once I discovered this error, I went to a local citizens bank branch in mid XXXX. They told me that if the account was closed then the funds would have been returned to XXXX. So i called XXXX many, many times requesting a trace. They said the funds went to the bank and they do not have them. This issue has been going on since XXXX when XXXX would not allow the order to be refunded. I then filed a complain with the Pennsylvania attorney generals office which you will see the result in the attached files ( if i can attach files ). I don't know what else to do besides file this complaint as both XXXX and citizens bank keep giving me the run around.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Delta Gold American Express via a mailer offer. The flyer stated {$0.00} introductory annual fee for the first year, then {$95.00}. I applied as directed and was approved. On my first statement an annual fee was charged to my account. I initiated contact with American Express on XX/XX/XXXX thru the online chat feature asking why I was charged. The costumer service agent requested an investigation. I did not hear back and contacted American Express again on XX/XX/XXXX and was told it was still being investigated. I contacted American Express once again on XX/XX/XXXX and was told that the issue was reviewed and that American Express was unable to find an offer stating this and that I was ineligible for the waived first year fee.
Product: Debt collection

Had been receiving threatening calls about debt owed to an apartment complex. Asked if wanted to make payments and was told if I did not that I would be sued and it was about to be taken to court.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

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 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I wrote Equifax that XXXX XXXX XXXX was charging me for fraudulent charges on my card XXXX and that I refused to pay them. I sent Equifax 60 pages of evidence supporting my claim. Equifax had, nevertheless, damaged my credit rating for refusing to pay fraudulent charges.
Product: Checking or savings account

After opening this free checking account for XXXX XXXX, I was not able to perform online transaction without a PIN number. Customer Service stated that they would mail me the no. I never received it. I had to call several more times but in the meantime I got a dormant account penalty of {$5.00}. On XXXX. I called local XXXX, Mo. branch and talked to XXXX XXXX and he told me that he would have the bank manager reimburse me the {$5.00}. Then on XXXX I checked for the reimbursement and found out not only was it not taken off but an additional {$5.00}. Was placed onto my account which made {$10.00}. Dormant fees for an account that I couldnt use because they never would send me the PIN number. I talked to XXXX at XXXX branch and he promised me that the XXXX. Would be reimbursed but it never was. 
I went to the bank branch on XXXX and asked XXXX again to refund me and he said that he could not. I had to close the account to keep from taking more of my money. 
I feel like it was not dormant but I was not able to transfer funds into it without the PIN That they would not help me get.- it was their fault and they stole my {$10.00} from me.
Product: Debt collection

Robo phone call from XXXX, National Recovery Services. 
They contend there is a legal matter and I need to contact their office. I owe no one. I have no credit car debt. My credit rating is over XXXX. I want these harassing calls to stop.
Product: Debt collection

Company calling Stating I owe a debt I wasnt aware of it not the debt Even old to the XXXX Jefferson capital Llc owed to them I dont owe them I sent a letter asking for original contacts no information came yet a still reporting on my credit report the company name is Jefferson capital Llc
Product: Credit reporting, credit repair services, or other personal consumer reports

At the initiation of me surrendering my property back to the mortgage provider, I sent paperwork, legal documents and other pertinent information due to the home being sold illegally by a builder who was not licensed to build a home. Inevitably, the home 's foundation failed. The home sold at auction in XXXX. The mortgage account was closed with the correct payment statuses listed in my report. There is no foreclosure listed, and that is correct. In XX/XX/XXXX, I received a 1099C with and identifiable code of G which is identified as decision or policy to discontinue collection. Not identifiable code D, which is foreclosure. Which is correct. I have repeatedly requested the loan company update my credit report to reflect this and remove any remarks listed. Nothing has been done although my XXXX  report has been updated as of XX/XX/XXXX to reflect a foreclosure code. My XXXX  report is correct. My Equifax report still states foreclosure. 

The mortgage company has failed to remove this information from my credit bureau reports after multiple attempts. Either I need an updated tax form or they need to remove all remarks and statues stating foreclosure from my credit bureau accounts.
Product: Credit card or prepaid card

THIS COMPLAINT IS AGAINST MACY 'S CREDT CARD. 

I RECENTLY PAID OFF MY CREDIT CARD WITH MACY 'S AS IT WAS BEING HANDLED BY A CONSUMER DEBT MANAGEMENT COMPANY. THE ACCOUNT IS CLOSED AND IS NOW PAID IN FULL. 

UPON PULLING MY CREDIT I NOTICED THAT MACYS HAD REPORTED ME LATE ON EACH OF MY CREDIT BUREAUS STARTING IN XXXX OF XXXX AT 30 DAYS LATE, THEN XXXX OF XXXX GOING THROUGH XXXX OF XXXX. MY MACY 'S CREDIT CARD WAS BEING HANDLED BY THIS DEBT MANAGEMENT COMPANY AND I HAVE ACCURATE RECORDS SHOWING THAT THE DEBT WAS PAID ON TIME EACH MONTH. 

IN XXXX OF XXXX THE DEBT WAS PAID IN FULL. MACY 'S IS IN VIOLATION OF THE FAIR BILLING ACT AS WELL AS THE FCRA FOR REPORTING ME LATE WITHOUT PROOF THAT I WAS ACTUALLY LATE. THEY HAVE NO REASON TO REPORT ME LATE AS THE ACCOUNT WAS PAID ON TIME WITH THE DEBT MANAGEMENT COMPANY FROM XXXX OF XXXX ALL THE WAY THROUGH UNTIL XX/XX/XXXX WHEN THEY GOT THEIR PAY OFF. 

MACY 'S STILL HAS IT ALSO LISTED AS " CONSUMER DEBT MANAGEMENT COMPANY MAKING PAYMENTS '' IN THE COMMENT SECTION OF THEIR REPORTING. 

THEY ARE IN STRICT VIOLATION OF FEDERAL LAW AND I AM REQUESTING THAT ALL NOTATIONS OF LATE PAYS AND ALL COMMENTS REFLECTING THAT A DEBT MANAGEMENT COMPANY HANDLING THE ACCOUNT BE REMOVED FROM MY CREDIT REPORTS. 

THIS COMPLAINT IS NOT TOWARDS THE CREDIT BUREAUS, THERE SHOULD BE NO LISTING OF AN INVESTIGATION OR CONSUMER DISPUTES BEING PUT ON MY CREDIT FILES. THIS COMPLAINT IS AGAINST MACYS OR INACCURATE REPORTING. IF THEY ARE PAID OFF IN FULL WHAT DO THEY HAVE TO GAIN BY REPORTING THIS NEGATIVE INFORMATION AGAINST ME. 

REMOVE IT IMMEDIATELY OR FACE A LAW SUIT FOR VIOLATION OF THE FEDERAL LAW WHICH CARRIES A PENALTY FINE OF NO LESS THAN {$1000.00} PER VIOLATION AND I WILL ALSO BE SEEKING REIMBURSEMENT OF ATTORNEY FEES. 

YOU HAVE NOTHING TO GAIN BY REPORTING THIS INFO THE WAY YOU ARE AND YOU HAVE NO PROOF BUT I HAVE PROOF IN THE FORM OF A CONTRACT THAT THE DEBT MANAGEMENT COMPANY WAS MAKING ALL PAYMENTS AND I ALSO HAVE THE RECEIPT THAT YOU RECEIVED FULL PAYMENT EARLIER THIS MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't seem to get a score I had a score a couple different times and then they just disappear and then charges that have been disputed and removed just keep reappearing again and it also States vehicles that I don't even own and it won't allow me to put my name to my actual name and different addresses that I haven't lived at in years or ones that I've never even lived at or on there I have gotten my once a year credit report but it doesn't seem to be reading right
Product: Student loan

Information about the status of my Federal Student loans is being reported incorrectly to the credit bureaus from XX/XX/2020 onward. The loans are in forbearance because of the XXXX relief bill that was passed and extended. These loans show on my credit report as being in collections instead of being in forbearance. This has negativity impacted my credit score by the three credit bureaus.
Product: Money transfer, virtual currency, or money service

Paypal Ref ID - XXXX Following my previous complaint and I had to close the Paypal account which was compromised and opened a new one. I have no choice since XXXX and Paypal are tired together and controlling the money transfer ( this monopoly has to be stopped! ). Paypal is acting likes a bank and collecting all personal info ( without appropriately protecting their users ) and help my money for over a month. It ; s as usual, we are never able to speak with any their staffs, all messages were answered by " copy and paste '' even though I provided all they asked for, they still wanted to hold my money for another 5 days until they finish " review. '' If I would had a choice, I never wanted to deal with Paypal!
Product: Credit reporting or other personal consumer reports

I seen on my credit report that i have a charge off/ closed account on my credit report that were not placed by me! I would like them removed off my account due to it being associated with identity theft. I did submit a report to the FTC! 

XXXX XXXX XXXX Inquire date ( XXXX XXXX ) {$5400.00} XXXX XXXX  Inquire date ( XX/XX/XXXX  ) {$3400.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed on Time : I made the payment on time, but it was not credited correctly, resulting in a late payment entry. I have attached the payment receipt and a bank statement showing that the payment was made well before the due date. 
XXXX XXXX : I had set up automatic payments through my bank, and this particular payment was deducted from my account on time. It appears there was a technical issue between my bank and XXXX XXXX, which caused the delay in posting the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, The information you are reporting to the CRA 's is wrong. The charges you all are reporting for over mileage are not accurate. You are required to prove what you are claiming against me. You can not invent charges and then try to force me to pay for them when they are not accurate or valid. Please respond with photos with timestamps of the odometer and contact details with the person at the dealership who took them as proof of your claim that I was over mileage. The vehicle was returned nearly 3 months before you all decided to present me with these scam you created to try and get money from me. 


Provide proof of custody of the vehicle and surveillance that can prove that someone else did not take the vehicle and drive it to add the alleged extra miles during the 3 months you had the vehicle before you started trying to rob me of more money! If you can not do this, you need to drop this and stop trying to bully a XXXXXXXX XXXX XXXX or this will be on the news! XXXX my name XXXX XXXX and you will see that I am a public figure with access to media. I am tired of this game you all are playing with me. You are a bank, You got more money than the car is worth, and you are so greedy that you will keep resisting doing what is right for months? Why is this so important for you all? Just drop this and save some dignity and decorum for you brand! 

You are NOT owed the money you are requesting and you can not prove that I am responsible for whatever mileage number you have recorded. I was told at the turn in appointment that I owed nothing, that mileage was under, and that the extra warranty and insurance I purchased at the dealership covered anything else. It is unfair and wicked to come attack me for money 3 months later!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with Equifax since XX/XX/2019. They have not updated items on my credit report since XXXX, I can not contact anyone, I faxed and MAILED letters to them. I have not yet to receive a response. I am in the process of obtaining a home loan and the items that has not been updated is affecting my ability to obtain my loan. I cant dispute online, I can't get in contact with anyone on the phone, I am at a loss.
Product: Mortgage

Back in XXXX of this year, my husband and I met with XXXX XXXX to discuss a home loan. We were very clear at the time that we did not want to do escrow. XXXX assured us that this would n't be an issue due to down payment were putting down. We advised him that we anticipated closing to be XX/XX/XXXX. We were told that we would get weekly calls updating us on the status of our loan. This never happened. The only contact we had once the initial documents were requested was initiated by us. We received notice from our realtor that we were to close on the house we were selling on XX/XX/XXXX. My husband contact XXXX and he advised that we were on track to close on the home we were purchasing that day also.He made the same statement to our realtor. However, on XX/XX/XXXX we still had n't been given a closing time for the home we were purchasing. Our realtor advised us there was an issue with the lender. Again, we had not been contacted. We contacted XXXX and he stated that his processor had failed to complete some needed documents and that we were n't going to be able to close until XX/XX/XXXX. On XX/XX/XXXX, we were sent over a closing statement showing escrow. We contacted XXXX and he stated that this " had to be listed '' but that we were not set up to do escrow. When we got to closing on XX/XX/XXXX, the attorney for the closing ( XXXX did not come ) had paperwork stating we were doing escrow. At this point, we had already paid for our house insurance in full. He stated that we could be reimbursed for this. In regards to the escrow, he stated that we would need to speak with XXXX. Since we had spoken with him two days prior we went through with the closing, we were homeless by this point, we were under the impression this was simply a paperwork error that could be fixed. Now we are being told that he is n't sure he can fix it. He admitted that it was a mistake on his part but is n't sure it an be fixed. I have made three attempts to contact his supervisor and have n't received a response and we have n't heard anything back from him.
Product: Debt collection

Recently, a collection agency named Sunrise Credit reported an unpaid bill of some kind on my credit report for {$2500.00}. I have no idea what this is. Prior to this collection account appearing on my credit report, I received no notice of this bill from Sunrise Credit. To my understand, a collection agency is supposed to notify you of a debt and give you 30 days to respond to it ; before they report it on your credit report. I discovered that after reading the Fair Debt Collection Practices Act. But it appears that this collection agency might have skipped a step here.