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

In accordance with the Fair Credit act, Transunion has violated my rights.

15 U.S.C 16811 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 an account without my written instructions. I did NOT give Transunion any written, non written, verbal or non verbal consent to furnish or collect this private information. Upon further inspection it appears Transunion gets
this information from a furnisher called XXXX solutions. I have never heard of this company and therefore have not given them any written, non written, verbal or non verbal consent to furnish or collect this private information. 
XXXX does not have " Bankruptcy '' listed on my report, therefore creating discrepancies between XXXX bureaus. 
The Bankruptcy Courts have also confirmed that they do not share or forward this information to any XXXX party companies.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX  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 in those account 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  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: Money transfer, virtual currency, or money service

This complaint is concerning the disposition of a bank issued IRA with Suntrust Bank. My mother has an IRA with SunTrust Bank, she is currently XXXX and not able to performing banking in person, Im her XXXXXXXX XXXX XXXXt and have a valid power of attorney that has been registered with the cleark of courts in the XXXX of Virginia , XXXX Virginia . On Monday XX/XX/2018, I visited the SunTrust bank in XXXX Virginia, and requested closing of the IRA account, with distribution being made to the account holder. After presenting the POA, the bank informed me that the POA was  not valid for this type of account since it did not specifically specify retirement accounts, and the only way to close the account and receive distribution was to have my mother come to the bank in person, and or have a new POA created indicting that retirement accounts were included in POA. 

As indicated to the bank representative, my mother was physically unable to come to the bank, also was physically unable to execute a new POA, and is not in a financial position to have a new POA created. Also, the bank refused to give requested account information to me, the XXXX. 

Im of the believe that the actions of SunTrust on XX/XX/3018 concerning the request to close an account by use of a valid POA violates the Americans with XXXX Act, and the request by SunTrust to have the customer have a new POA developed to meet their corporate guidelines is also a violation of fair banking practices. After being denied the request to close the account by the POA, the attorney that created the POA was contacted, the attorney indicated the POA was valid and should be accepted for all banking  transactions, and SunTrust should honor the request to close and provide account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint : XXXX XXXX XXXX Upstart : Charge-offs should not be on your consumer report, because income is not reported on a consumer report. 
Time period For payment or other action : Unless we provide a specific date any time. For your payment or other action begins on the date of this communication. 
IRS reporting of debt forgiveness : If we cancel or forgive XXXX or more of principle on debt you owe we will provide you a 1099-C tax form if required by law. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX election of consumer to be excluded from list.
Product: Credit card

I purchased an item on " XXXX '' and paid using my " XXXX '' account under creditcard- ( citi mc ). 
a month later after reviewing my creditcard statement it showed a cash advance Fee charge + intrest now accruing every month. I called and they said the transaction went through as a cash advance. Citibank mc refused to reverse the charge saying XXXX needed to do it. XXXX refused to do it saying it could not be a cash advance because they dont allow it. I had both reps on a XXXX call, and they both argued with each other saying there was a mistake but neither could do anything about the charges, with me caught in the middle.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 08 XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested Transworld Systems to send validate that competent evidence bearing my signature showing that I have some contractually obligation to pay. In response of my request, Transworld Systems send a statement which is not evidence of a signature for a agreement. Therefore, I sent another letter on XX/XX/2023. Requesting a signature.
Product: Checking or savings account

bank america closed my account without notice on XX/XX/2023. and did not return XXXX dollars. I tried to resolve the issue with the bank, but they told me that they cant return the money without giving a reason! this is my companys account and I have to pay taxes, but I cant because the bank does not return the money
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX FIN Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX
Product: Student loan

THIS LOAN HAS BEEN ONGOING FOR 12 YEARS, AND DO NOT KNOW WHAT THE XXXX IS LEFT AS XXXX KEEPS COMING UP ON MY STATEMENT, IT IS LIKE A DRAIN BACKING UP UNTIL YOU GET MTHE CLOG OUT IT WILL KEEP BACKING UP, TERRIBLE. ALSO I DO MY PAYMENTS BY CHECK AND A STATEMENT DID NOT ARRIVE AT THE HOUSE AT IT NORMALLY DOES, THIS WENT ON FOR TWO MONTHS, I DO NOT KNOW IF THEY ARE FOCING ME TO ONLINE BANK, NO I WILL NOT DO IT, A CHECK TO THESE PEOPLE OR WHEREVER HAS BEEN GOOD FOR 12 YEARS WITHOUT A LATE OR MISSED PAYMENT. AFTER THIS I GO ONLINE AND SEE THE BIG RED MARK BEHIND THE STATEMENTS. LATE FEES AND SO ON, WHICH THEY WILL NEVER GET. I HAD THE LOANS THROUGH XXXX WHICH I HEARD IS NO LONGER IN BUSINESS. I WOULD LIKE AN INVESTIGATION INTO THESE PEOPLE AND FORBEARANCE OF THIS LOAN, ICH I NEVER HAD A CHANCE TO USE AS A XXXX. THIS WAS MHAD MANY LENDERS NAMES ON IT AT LEAST 4 OR 5 THAT ARE IN THE LOAN SOMEWHERE, THEY KEPT CHANGING NAMES AND SENT ME BOOKS FOR PAYMENT METHODS BY MONTH, THEN THIS QUIT AND ANOTHER COMPANY TOOK OVER, COULD N'T KEEP UP WITH ALL THE MANEUVERING AROUND WITH THE MONEY FOR THE LOAN, FINALLY THESE CLOWNS NAVIENT APPEARED INTO THE ACT, NOT TO HAPPY WITH THEIR PERFORMANCE EITHER. PLEASE GET ME OUT OF THIS LOAN AS IT MEANS NOTHING TO ME ANYMORE WITH THE DEGREE XXXX CHOSE, THE XXXX NEVER HONORED WHAT THEY TOLD ME AT THE BEGINNING AS PLACEMENT AFTER GRADUATION.
Product: Credit card or prepaid card

Comenity bank website is always down. I can never make a payment online. When I call I am disconnected. They have no problem adding late fees but wont take payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting XXXX, Equifax, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX  Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Product: Debt collection

I received a notice that a medical debt was owed back in XXXX of XXXX. I reached out to the company to advise I had secondary insurance when I received the notice, as I had done with the hospital, when the bill was sent and was told the claim would be resubmitted each time. the claim was never submitted or resubmitted. So the debt is still being reported. I have reached out to the debt collection agency multiple times starting in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX again in XX/XX/XXXX, asking that the claim be resubmitted, every time I follow up with my insurance company I am informed that the claim has not been submitted. I am now beyond the " timely filing '' deadline, and the debt collection agency is still trying to report the debt as not paid where I could have had the claim paid and paid on time.
Product: Student loan

I attended XXXX XXXX, a XXXX XXXX, in XXXX XXXX, MI. The school has since closed down, no longer offering the " lifetime '' job placement assistance. Nor were they honest about job placement rates as evidenced by my own classmates. I feel that they misrepresented themselves and it was false information that impacted my decision to attend.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

American Express Delta Sky Miles card. When billed {$95.00} annual fee I immediately called customer service on phone to cancel account. Talked to agent, expressed desire to cancel unless they waived fee. Was transferred to 'retention specialist ' line. Was on hold for > 20 minutes then call dropped. Went online, did the same on chat session. I tried at least five times with online chat and phone calls. I was finally able to cancel card, but by then their 30 day time limit to refund next year 's annual fee had passed. In one of the customer service conversations XXXX said would they investigate and respond in 60 days.
Amex effectively delayed cancellation of the card until the fee refund period was over. This behavior seems similar to XXXX making it extremely hard to cancel their service, for which the FTC dinged them, about ten years ago.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX went through a Bank of America drive through atm and tried to take {$1000.00} out of my edd prepaid Bank of America account. the atm malfunctioned and said door problems and could not give money So I went inside bank to use atm in bank for {$1000.00}. And it said I had reached my daily limit And could not get money so I asked to speak with branch manager to see where my money went while waiting I noticed another person in bank really upset about the same reason it had happened to her also so when they spoke with me they said there is nothing they can do for me to put a claim in and make a police report but the police would not take my report so days later they closed my account and said it was fraudulent and that I needed to be verified with Edd so i did contact Edd and get verified and then got a letter from Bank of America saying they closed the claim for atm malfunction {$1000.00} and freezes my account and said that edd freezed it so I contacted my assembly man XXXX XXXX to contact edd on my behalf XX/XX/XXXX the edd said everything was cleared Statement from EDD : Case Resolution Comments Now that the identity was confirmed on XX/XX/XXXX the payment for the week ending XX/XX/XXXX has been sent to authorization on XX/XX/XXXX and continued claim forms have been mailed to bring the claim current. 
Bank of America is still holding my money and has not refund me or released any money as Of XXXX
Product: Debt collection

I have received a letter for debt collection from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX in the amount of {$2700.00}. I have never heard of XXXX XXXX XXXX nor do I have an account with XXXX XXXX XXXX. This is not on my credit report. I have not received documentation showing that I have signed anything related to XXXX XXXX XXXX, nor have I received any signed documentation that I authorized XXXX XXXX XXXX to sell my information to XXXX XXXX XXXX. 

I believe that this is a scam since CFPB did sue XXXX XXXX XXXX back in XXXX for wrongful loan without proper disclosures.
Product: Credit card or prepaid card

We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ).

We applied for a {$400.00} deferred minimum payment grace period on our Chase credit card ending in -XXXX.

We have not received the {$400.00} payment deferment as promised for XX/XX/XXXX that is due by Saturday, XX/XX/XXXX per Chase Irma Relief at XXXX.

XXXX XXXX
Product: Checking or savings account

I have been receiving letters from Bank of America that someone is opening bank accounts using my name and address but not my social security number. The first letter that I received was to verify my information ; I called their fraud department but they said that they could not help me over the phone, I drove an hour and an half to a Maryland office, and they said that that account will closed for not verification. But it looks like they tried again successfully and now Bank of America is harassing me because whoever opens the account cashed a fraudulent check.
Product: Mortgage

They sent us a notice that we had under paid into our escrow account. According to our record we paid the request amount they keep saying we under paid. We ask them to provide proof where we under paid the provided none. We have requested time and again and they keep saying we under paid but offer no proof where the under payment they claim came from. {$8000.00} dollar minus showed up and we have no idea where it came from. We have since reduced our taxes through the town of XXXX Ma and we reduce our insurance payment by a {$1000.00} and they still claim we are under paying. They have no proof for the {$8000.00} dollars. My wife and I are in our XXXX ' and they offer us nothing.
Product: Mortgage

We fell behind in our mortgage because my husband 's work slowed down. I called AmeriHome several times to discuss this with them. We came to an agreement, and we are Making payments. On XXXX XXXX, 2016, we received a certified letter from them! 
We have kept our agreement, and they are suppose to be working with us on this! Now, now they are threatening to us with letters! What are we suppose to do?
Product: Credit card

On [ XXXX ], I entered into an interest-free customer assistance payment plan with [ Synchrony Bank ] . The plan was for up to 60 months unless terminated or completed earlier.. The minimum monthly payment was fixed at {$130.00}. On XX/XX/2024 I was charged {$1200.00} in interest which dropped my credit score more than XXXX plus points. 

This breach has potentially caused unwarranted negative reporting to credit bureaus, which may be a violation of the Fair Credit Reporting Act ( FCRA ).

Requested Actions : - Conduct a thorough investigation into the contract breach - Verify the accuracy of any credit reporting related to this incident - Ensure the credit card company complies with the terms of the original agreement- Provide written confirmation of findings and corrective actions
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax and XXXX  for a investigation for XXXX XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX  and that is fraud
Product: Credit card

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. 

Please remove immediately the following accounts : SYNCB/VRZN XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1970 Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

DPT EDXXXX {$1500.00} DPT EDXXXX {$3200.00} XXXX  XXXX {$960.00} XXXX {$640.00} XXXX  {$960.00} XXXX  {$800.00} XXXX/XXXX  {$370.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) {$960.00} XXXX XXXX  {$1500.00} XXXX  {$370.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) {$640.00} XXXX XXXX XXXX {$51.00} XXXX XXXX {$140.00} XXXX XXXX {$660.00} XXXX XXXX {$110.00} XXXX  XXXX  {$800.00} XXXX XXXX {$1700.00}
Product: Payday loan, title loan, or personal loan

I obtained the title loan and was making payments, but I had a XXXX and was off work for XXXX XXXX. My job did not pay while on leave and unemployment disputed those days I was in leave because they stated I was off work. I attempted to explain this to the company, but theyre response was pay all or there repoing my vehicle. I tried to get a third party to mediate with them for me, but theyre only offer was that they would except the refinancing fees of $ 700+ dollars and refinance the principal amount in its entirety. Which was not a payment arrangement, I have one week left on leave and need to resolve this without losing my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report in reporting from XX/XX/2019 XXXX 2019 120 past due - Once I was out of default, it was to be removed from my credit report,. which it has not. it is preventing me from moving forward in life, and my loans have now been consolidated, and current in an income driven repayment plan. I would like the default removed and updated, which is standard protocol from my credit report.