23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am so tired of dealing with this company. They claim to have mailed the consent judgment on or around XXXX XXXX. I received it on XXXX XXXX and the due date to send it back was the XXXX! I have proof from the post office that I didnt receive it until later. Why mail something after the actual due date that you put in the letter. That is setting someone up. I did however go ahead and sign the consent judgement and returned it immediately to the company. This should mean that I would not need to go to court, but I have not received any news that my court case is canceled. This should have been taken care of already. This was 3 weeks ago! At this point I would rather file bankruptcy than wait for someone to contact me. The case should have been dismissed due to the agreement and consent judgement that I signed. Why has this not happened? They want me to pay extra court fees and miss a day of work. I can not miss a day of work for this.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to transfer {$150.00} from XXXX XXXX  to Chime. XXXX  sent the money and Chime rejected it. The $ returned to my XXXX  account on XX/XX/XXXX. 

Chime says a name other than mine was on the account. I am the sole owner of both accounts, and there is no trust, DBA, estate of, second signer, or any unusual ownership. The name on both is XXXX XXXX. 

I reached out to chime and they refused to tell me whose name is on the account. XXXX actually pulled up the batch report sent to XXXX and state my name was on the account field for the ACH. 

Chime told me I could send an email, unsecured, regular email to XXXX. I have repeatedly objected to this as a unsafe, unsecured way to exchange personal details. They wanted an id and I reluctantly sent them a copy of my passport. They continued to refuse to give me the information and have demanded a copy of my driver 's license and social security card. They want it attached to an unencrypted, unsecured email. 

I am done with Chime. I am closing the account asap. My direct deposits do not go there anymore. 

I still don't know who tampered with my ACH, or if they mistakenly erred in rejecting the direct deposit and won't admit it. 

They appear to be violating the Graham Leach Act of 1999 that requires banks to handle personal information with more security. Why is a BANK asking for my social security card in such an unsecured and unsafe way? Why do they keep stonewalling my request for some basic information???
Product: Debt collection

Dear Discover ; I have never had any relationship with this company nor i never received XXXX from this company once it was report as " charge-off ''. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. 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. XXXX. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I found a fraudulent inquiry on my credit report with Experian : XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Inquired on XX/XX/year>
Product: Credit card or prepaid card

i had a loan with personal finance back in XX/XX/2018, also at the time, i was going through a divorce, and a struggling with finance for 6 months time.
Product: Credit card

I sent Capital One a Notice of billing error letter that the company received XX/XX/2024. No reply to that letter from Capital One. No investigation started. The company continued to collect payment. I sent Capital One another notice of billing error/ notice of cease and desist letter that was received on XXXX XXXX XXXX The Company closed my account without notice or reason. I checked my personal credit account XX/XX/2024 through my XXXX app. I discovered that Capital One closed my account. On XX/XX/2024 I discovered a letter from Capital One on the Capital One app. The letter was titled XXXX XXXX XXXX. Capital One didnt alert me of any fraud on my account, nor did I report any fraudulent activity. The letter stated that the activity on the account is not consistent with Capital Ones expectations for account usage and violates the Capital One Customer Agreement. Capital One still never started an investigation for the account. On XX/XX/2024 I sent Capital One a Notice of Default/ Opportunity to Cure letter for the illegal account closure and inaccurate credit reporting. I advised Capital One of the FCBA violations that the company violated, which was also mentioned in the previous letter. Capital One sent me a letter with a case number after the account closure. The letter didnt explain anything about the account. The letter advised me to call Capital One. Capital One sent several more letters with different case numbers about credit reporting. Capital One never validated any debt and never sent me any documents that I requested. I made several phone calls to the company about the account closure. No reason was given why the account was closed and no violations to the Capital One Customer Agreement were found by any agents for the company. I advised the agents that Regulation Z is actually in the Capital One consumer agreement and the company violated their own agreement by closing the account after receiving a billing error letter and not starting an investigation. I was told I had to open a new account and still pay the debt. I advised the agents that once the company violated the agreement and closed the account, the debt was then void according to the law. I was told I will not receive any documents beyond a billing statement pertaining to debt validation, even though I requested more documents. I sent the CEO and CFO of Capital One a letter informing them of the current situation. No reply from both parties. I received more credit reporting letters with no proof of anything. I continued to pay the debt in good faith hoping Capital One would do the right thing according to the law and agreement the company violated. Capital One has hurt my credit reputation as well as put a strain on my household financially.
Product: Credit reporting

I am submitting the Amended Police Report to Chex-Systems. I have disputed several address and reported information but Chex-Systems continues to come back to me and tell me that it is n't enough the dates are wrong or they flat out just deny it. Please remove all reported information from my Chex-System consumer report. Please only leave my actual mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXAnd send me an updated consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- I used this company to make a purchase with a merchant by the name of XXXX XXXX XXXX XXXX of XXXX or XXXX. I never received the merchandise still til this day. I contacted XXXX after I paid off my loan with them and explained the situation to them. XXXX told me that the merchant has a no refund policy. In order to return something, you wouldve had to receive something. I reached out to the merchant several times and I couldnt get through. I contacted XXXX several times via phone, email and twitter still no luck. I reached out to my FI ( XXXX XXXXXXXX XXXX ) explained to them what happened, and I disputed the transaction with them. I won my dispute with my bank. XXXX sent my account to a collection agency I submitted proof to the collection agency, and they stated they would no longer collect on XXXX behalf. Then XXXX popped up on my credit report Ive tried to reach out to them again as well as dispute this transaction with experian and they keep knocking it down. XXXX has sold my account to another debt collector and I submitted proof to them as well and they're no longer collecting on their behalf. Im writing this letter in hopes that this error is corrected before it turns legal. You're my last hope please help me. I've submitted all of my proof to experian and have no problem submitting it to you.
Product: Credit reporting

When I was based in XXXX XXXX, as a XXXX the agency that prepared my taxes did them wrong. They filed me as XXXX State resident when they were supposed to file me as a XXXX State resident because I was a resident of XXXX, under United State military XXXX status based in XXXX. As a result of the eras that were made on my state taxes it looked like I owed the state of XXXX {$2400.00} in taxes, penalties, interest, and collection fees. I did the necessary paperwork to fix the issues and got the state tax lien released XX/XX/2012 while I was still in the United States XXXX. The problem I 'm having is the lien is still showing up on my credit reports which is very damaging to my credit scores. I am now a United States XXXX XXXX veteran father with a family of XXXX trying to buy my first home. Could you please help me by removing the lien from my credit report or let me know what I need to do to have it done. I have a copy of the lien release if it is needed.
Product: Debt collection

NATIONAL CREDIT SYSTEM Is reporting to XXXX, XXXX, XXXX XXXX Different accounts XXXX for {$4300.00} and {$3900.00}. I have sent dispute letters to the company, nothing has been resolved, I am 100 % sure they have the incorrect social security number and this is illegal to report false and Inaccurate information Date opened, XX/XX/XXXX and Date opened XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Part XXXX of letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX, XXXX XXXX CA. XXXX XXXX Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report that I believe i 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 TransUnion for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the XXXX, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account, please see and review attached
Product: Payday loan, title loan, or personal loan

I have six payments left with LC. My payment was due on XXXX and I am late paying it. I went on their website to see payment options and look at total balance. When I clicked on make a payment, their system automatically set up a payment for today 's date and said it will take it out of an account that I set up when originally set up loan. There was no option to cancel the payment. I received an email thanking me setting up payment when I never set up a payment. I simply clicked on make a payment thinking that I'd have an option to set up a date but it automatically set it up for the day you click on make a pyament. That is wrong! I will mail the payment and don't wish to do any further business with this company. THey are unscrupulous and shady. If you fall late they do shady things to get you to pay like what I have described above. I so look forward to being done paying them off -- -six payments to go but this is wrong. So I file my complaint. Thank you.
Product: Checking or savings account

Wells Fargo has been ordered to comply with their settlement to many prior account holders. My husband, my prior businesses and myself keep receiving letters asking us to cash checks for these settlements, which have never been received. If the company is trying to say they're sent payments, they have not. It's a ruse.
Product: Student loan

I made a large payment on my student loan on XX/XX/XXXX and received a notification on XX/XX/XXXX that the payment had not been processed due to an error in my account number. I made a payment of the same amount on the XXXX through the online system. I received another notification on XX/XX/XXXX that the payment was returned. I called the loan servicer on the XXXX to make the payment via the automated phone system. On XX/XX/XXXX I checked my bank account and saw that both payments had been withdrawn from my account causing me to overdraw, including the payment they informed me had not bee processed. I contacted the servicer to have the payment refunded and they informed me unapologetically that it would take no less than 30 days to receive the refund. I asked if the process could be expedited to do this being an issue in their communication but was denied.
Product: Credit reporting

I CALLED EXPERIAN XXXX/XXXX/15. The man I talked to was very obstreperous and difficult to understand. I asked why my credit score was not the highest when all of the reports stated payment never late. I tried to talk to him about a collection account from XXXX and said that it was years old and incorrect as it went back to the days of TV on my XXXX yacht which they were trying to charge me for equipment on the boat which had been paid for when I purchased the boat from XXXX XXXX. Discussions with XXXX XXXX indicated no problem, nothing was due. He seemed not interested and not willing to discuss why it was in there. He would not discuss any details about why my credit score was only XXXX instead of XXXX. All he would say is that it is very complex. When I asked to discuss it further he refused and said it is very complex. My credit score affects my cost of living in the interest rate credit card companies charge as well as the extent of credit they will issue and in many other areas such as my auto insurance rates and the insurance rates on the XXXX residences I own free and clear and I am sure in many other areas. I find it irresponsible that I can not talk to someone at Experian and give them pertinent information of income and resources that they should consider. It is not fair that they issue me a low credit score without any consultation with me personally when their actions affect my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical collection reporting from XXXX XXXX XXXX  with the original creditor of XXXX XXXX XXXX XXXX XXXX XXXX  for {$1300.00}. I had never heard of this doctor before seeing this on my credit, and never went there. I disputed it with the bureaus and never heard anything back on it, or received any verification, and it's still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter to all XXXX-credit bureau Transunion XXXX XXXX and XXXX regarding the inaccurate and unknown items on my credit report. To this day over XXXX days later I have not received a response yet. I feel I'm being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report if it's been over XXXX days and so, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me. 

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Debt - Account Number XXXX Dear Equifax, XXXX hope this letter finds you well. I am writing to formally dispute the collection account referenced above currently listed on my credit report. The account was opened with XXXX XXXX and is reported under XXXX collection agency, with a balance of {$1800.00} and an original balance of {$1900.00}. According to my records, this account does not accurately represent my credit history, and I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I am requesting the following : Verification that XXXX is indeed the legitimate creditor for this account and has the right to collect the debt. 
Complete account payoff details, including the payment history, and relevant documentation supporting the validity of this debt. 
Confirmation that the debt was properly assigned or sold to XXXX, including any and all records that substantiate this claim. 

I must emphasize that, as per the Fair Credit Reporting Act ( FCRA ), you are obligated to provide this information to me within 30 days of receipt of this letter. However, given the nature of this dispute, I kindly request that you expedite the review process and complete your investigation within 10 days. If validation can not be provided, I request that you remove this account from my consumer report, as unpaid debts that can not be verified are not compliant with FCRA guidelines. 

To facilitate a prompt investigation, I request that you respond to this letter at your earliest convenience, preferably via email. 

Thank you for your attention to this matter. I look forward to your timely response. 

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

CRA is continually reporting derogatory items even after police report was sent over showing these items were due to Identity theft.
Product: Money transfer, virtual currency, or money service

Whenever i try to connect PNC bank checking account via XXXX  to do money transfer. PNC bank is not allowing me to connect request from XXXX.Its blocking. Please fix this.Basically Authorizing by PNC bank is not happening even though credentials are valid.
Product: Credit card or prepaid card

A fraudulent Bank of America credit card was opened in my name on XX/XX/2021. I have contacted Bank of America to alert them of this account and to have it closed and removed from my credit report. 



I request that Bank of America close and remove this account from my credit profile/report immediately.
Product: Credit reporting or other personal consumer reports

I asked to opt out from Goldman Sachs bank and told them they were not authorized to report my private consumer info but they refused.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Properly Investigate and Update Credit Report Inaccuracies To Whom It May Concern at TransUnion, I am writing to formally file a complaint regarding TransUnions failure to adequately investigate and correct inaccurate and unverifiable information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to dispute these inaccuracies, the issues remain unresolved, and I demand immediate corrective action to ensure my credit report reflects accurate and verifiable information.

The following inaccuracies have been improperly reported : 1. Addresses : My report includes addresses that I am not affiliated with, which are not linked to my current or previous residence history.

2. Telephone Numbers : There are phone numbers listed on my credit report that do not belong to me and have never been associated with my personal or financial accounts.

3. Hard Inquiries : My report shows hard inquiries that I did not authorize or initiate and for which I do not have any current or open accounts with the inquiring entities.

Under the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item in their file. Additionally : 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681c outlines the permissible content in a consumers credit file, and unverified or inaccurate information must be promptly corrected or deleted.

15 U.S.C. 1681b ( f ) restricts the inclusion of hard inquiries to only those initiated by the consumer or with their express consent.

TransUnion has failed to meet its obligations under these provisions by not thoroughly investigating or resolving my disputes. Furthermore, the continued reporting of inaccurate and unverifiable information has caused unwarranted harm to my creditworthiness and financial standing.

I demand that TransUnion immediately : 1. Remove all inaccurate and unverifiable information from my credit report, including : All addresses and names that do not match my current government-issued identification ( e.g., drivers license ).

Any telephone numbers that I have not personally verified as my own.

All hard inquiries that were not authorized by me or associated with a current or open account.

2. Provide a detailed response outlining the actions taken to address these issues.

If TransUnion fails to comply with this request within the timeline mandated by the FCRA, I reserve the right to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory authorities. I am also prepared to pursue legal action to protect my rights under federal law. 

Please consider this letter my formal notice and demand for compliance. I look forward to a prompt response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit card

In 2019 my mother in law signed up for lowes credit card, she purchased appliances, before I was added. I was in back getting wood for the project. When I got to the feont she asked me if I wanted to be authorized user. I asked why she said so if I need to grab anything for her house when I'm out and about. We called the number again and a lady recorded me on a scripted questionnaire thing to add me. She said joint owner I said no authorized user. She had to start the process over. Second time she said authorized user. I was added. I verified at the end I was authorized user. If I go to lowes without card in hand they can't find it when searching my creditentials, they can find it with my mother in laws creditentials. When we call into XXXX XXXX  they want her to authorize me to talk to them. On their site shows me as authorized user. Every which way I go I'm an authorized user. I went to remove myself from account and they said no because I'm a joint owner. Spent 2 hours on phone with 3 separate people. I had no option but to close account and destroy my credit of XXXX.