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

XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Account # XXXX and Account # XXXX and Account # XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/year> and responded on XX/XX/year>, XXXX XXXX  XXXX and TransUnion has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting.

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office.

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity.

Thank you for your time and attention to this matter. 

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

A derogatory remark from XXXX was added to my credit report in XX/XX/XXXX. The remark is being reported as a new collection account for something that is old. It is listed that the account was open in XX/XX/XXXX. 

I contacted the company and was advised that the account was closed in XX/XX/XXXX. I spoke with three people ( a rep named XXXX XXXX, a supervisor named XXXX XXXX and a rep in credit named XXXX XXXX ). Neither of these people offered assistance in trying to resolve my concern. This company wants me to pay a debt and wait seven years for it to fall off of my report ( at that time it will be a 12 year old debt ). 

The account appears to have been assigned or sold to another company and this company is reporting it as a new debt. They are not willing to correct my report.
Product: Credit card or prepaid card

My daughter purchased a NetSpend reloadable Visa card so I could pay for my car insurance. I registered the card but inadvertently used her ss #. I thought I had to use her ss # because she purchased the card. When we called the car insurance company, they told me I had to use my ss # to associate my name with the card payment. We immediately called to change the information on the card but was told it would take several days for the information to change. I only had two days before my insurance lapsed and waiting for the change was out of the question. We called for a refund in the amount of {$190.00}, what my daughter paid for the card. They supposedly mailed the first check on XX/XX/20. I never received the refund check. I called three times and was told to call back after XX/XX/20 so they could investigate what happened to the check. I called again on XX/XX/20 and was told a replacement check would be mailed out. I reported the incident to XXXX on XX/XX/20 # XXXX. XXXX XXXX from NetSpend contacted me on XX/XX/20 and stated the second check was mailed on XX/XX/20 and if I did not receive the check by XX/XX/20 to call him directly at the number he provided and they would have to figure out alternative methods to refund my money. On XX/XX/20 I called and left a message. I also left a message on XX/XX/20 and my calls were not returned. I finally contacted him on XX/XX/20 and he stated he was on vacation and received my calls. He also offered to send a money gram but I told him I am no longer driving and would not have access to a ride to get to a money gram location. I refuse to take public transportation because of COVID-19. I suggested he mail the check to my daughter in Virginia, the original purchaser of the VISA card, to deposit the check into my bank account, he said no because the address is different than the one registered to the card. XXXX also stated they would not be able to send a third check out. I also asked what did we need to send to change the account to my daughter 's but I do not recall him answering my question. At this point, I am not sure what is going to happen. We want a full refund and hope the company will cooperate and send the check to my daughter. XXXX was supposed to research the 2nd check to see if it was cashed and get back to me today, XX/XX/20 but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my loan account, issued by XXXX, a balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact XXXX did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal XXXX does not take into account credit score when granting loans. It appears XXXX has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at XXXX as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, XXXX  services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, XXXX continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what XXXX is doing is legal or not. I request XXXX to close account at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and I C System Inc are participating in deceptive collection tactics by re-aging a collection account with no proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently going through bankruptcy. The process has been very slow ( they filed on XX/XX/2016 ). No funds from the claim have been disbursed, yet the college loan companies continue to report to the bureaus. In regards to my own loans on my own account, there have been both federal and criminal offenses committed by XXXX XXXX XXXX, including threats, tampering with interest rates, predatory loan tactics and more. These loans are invalid. The college loan company in charge of my account and the credit bureaus are in collusion with XXXX XXXX XXXX and therefore are ignoring these offenses. THIS COMPLAINT IS NOT TO BE SENT TO THE COLLEGE LOAN COMPANY IN QUESTION WITHOUT MY AUTHORIZATION! This complaint should be sent to Federal Student Aid, the U.S Department of Education, the U.S. Inspector General 's Office, MA State Attorney General XXXX XXXX, the predatory loan department of XXXX XXXX and XXXX XXXX XXXX directly. NO OTHER ENTITY should receive this information without consulting me first and receiving my authorization. NONE OF MY PRIVATE INFORMATION should be given without my consent. This includes, any of my contact numbers, my address, my social security number, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported 90 days late to all the credit bureaus. I received a letter ssying XXXX is the service of my student loans. XXXX and XXXX are reporting as being owed. These accounts were in a IRB and were paid on time yet there is still a huge balance with accumulated interest attached. This has damaged my credit score and I am unsure who to pay, how much is owed and now I am almost XXXX years old and I still can't qualify for a mortgage dur to years of these student loans being resold and they are paid, negative, clised status. These derrogatory comments, statuses and incorrect balances need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had place temporarily security lift with experian but then I removed the lift and wanted to freeze my credit. But now experian is asking me to send details through mail. I dont want to do that as I was already a victim of identity theft before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This lettely is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.
Product: Credit card or prepaid card

Hello, I called the following Capital One customer support number on XXXX XXXX, XXXX  only to be forced into some bullsh*t medical alert promotion. 

Contact by Phone Customer Service : XXXX ( XXXX ) ( For servicing of existing accounts only ) There was no obvious way to contact support to ask my simple question. I am not sure if the woman who went on and on about this XXXX promotion was a recording or not, but it was NOT the reason for my calling Capital One. 

I used a different phone number for Online banking support : XXXX to actually reach a human. 

Capital One 's practice is outrageous. 

Thanks
Product: Mortgage

Early to med XX/XX/XXXX I reached out to XXXX XXXX at Mortgage 1 to inquire about a re-fi on my existing mortgage with a cash out option for the purchase of a second home. We went over options and I explained my situation and that I had been with XXXX XXXX since I purchased my home through XXXX and Mortgage 1 in XXXX of XXXX and the mortgage got sold to XXXX XXXX. I told him I loved XXXX XXXX and was only interested in doing a re-fi if I could stay with them. He assured me that would not be a problem. I did not re-fi directly with XXXX XXXX because due to covid, they are not doing the cash out re-fi options at that time. So I proceed to re-fi with Mortgage 1 and XXXX and his staff. I regularly made it known that I wanted to stay with XXXX XXXX and each time be it text, email or phone call, I was assured that would not be a problem. At closing, I brought it up to the lady I signed with once again to see who I write my first payment to in XXXX as closing was XX/XX/XXXX. She said to call the office in 10 days to see if it is Mortgage 1 or not and we left. On XX/XX/XXXX, I received an email from XXXX 's office stating my mortgage was bought out by Mortgage 1 and all my online information was enclosed to access my account. I was furious. XXXX had lied to me over and over just to get my business, and I am not sure how much money his office made off my re-fi but he did not give me what he promised me over and over. I am so diasppointed and If it wasn't so much for closing, I would re-fi with XXXX XXXX now just to get away from Mortgage 1. I feel XXXX lied to me and made promises to get my business.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused XXXX XXXX  to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX  I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A XXXX  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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is XXXX XXXX XXXX and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

I received a email from Chase at XXXX XXXX XXXX stating that Thanks for requesting a new credit card, Soon after I received a email from XXXX XXXX that a hard pull was added to my credit. I did not apply for a new card. I called Chase bank and spoke to fraud division but was told they would mail info to me?
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX  XXXX
Product: Checking or savings account

This incident occurred when a business associate of mine tried to cash a check issued from Chase Bank Bill Pay Service. Despite having all the necessary identity verification, he was denied cashing the check only because he didn't have an account with Chase. The bank XXXX advised us to have my associate sign the check over to me, and I deposited it with the assurance that everything would be fine. Unfortunately, the next day, I was informed that my account was going to be closed unless my associate called to verify that I had permission to deposit the check.Even though we had both provided ID when we made the deposit. We immediately visited the branch and provided all necessary credentials, and my associate and I spoke with a Chase branch manager that called chase and was able to verify that my associate gave me permission to cash that check 3rd party. The bank manager apologized and informed us that this a regular occurence with chase, and there was nothing she could do to help us, even though she was the one that advised us that it was ok for my associate to 3rd party deposit the check. However, Chase is now refusing to release the funds, citing a false reason that they can not find a number matching my associate 's name, our credentials and identifying documents mean nothing to them and the only way they will release funds is to call a number registered in my associates name, he actually went out and purchased a phone in his name and that still doesnt verify with them.. This is unacceptable, and it is causing unnecessary financial distress for all of us. We urge Chase to reconsider this decision and release the funds immediately.
Product: Credit reporting

I have serious questions of the ethical behaviour of Experian in relation to what credit score they report they report on an individual dependant upon whether the individual requesting the credit report is paying for the " premium XXXX agency report '' or whether they choose to use a " free service provided through their bank or other financial institution [ XXXX in this case ] '' where they entice you to enroll in the other XXXX agency " premium '' credit report and " protection ''. I am going to provide XXXX separate Experian Credit reports that were pulled within minutes of each other, both purporting to show my credit score, however instead of matching as XXXX would expect them to, the paid Experian XXXX Agency Report that was signed up for through XXXX XXXX XXXX, shows my score to be XXXX yet when the free credit score monitoring service provided by Experian for XXXX is pulled within minutes and the credit report shows no material differences it reports that my credit score is XXXX ; a full XXXX points lower than when one pays for the report. Something fishy is going on at Experian and I feel like I have been duped as I have no idea what my true credit score is in my credit file and I have been paying monthly for a report that I now consider less than worthless. This fraud should not be able to be perpetrated on the public just trying to correct errors on their credit files.
Product: Credit card or prepaid card

The problem is with XXXX XXXX throuh Comenity Capital Bank, I made a purchase on XX/XX/2020, I recieved the statement with closing date XX/XX/2020 and due date XX/XX/2020. A personal check payment of the full amount of {$20.00} was collected in mail on XX/XX/2020. Company claimed that it received on XX/XX/2020, I was surprised the following month to see a statement in the amount of {$22.00} I called and tried to resolve the issue but they did not agree to remove the charges. I filed complaint with XXXX, XXXX refereded me to the Bank ; on XX/XX/2020 I spoke with XXXX at XXXX XXXX XXXX ; Spupervisor # XXXX ; she said balance will be XXXX, the next thing I know the balance now is {$58.00} in collection and reported to the credit bereau. I strongly believe that Comenity in engaging in a deceptive practice, it received the check and didn't cash it until XX/XX/XXXX. I closed the account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like an investigation for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, California and XXXX. Contact number XXXX. Reference Loan Number XXXX. I have issued payments to XXXX XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana and XXXX ; Contact # XXXX. I am reporting this matter due to money laundering and foreclosures of previous properties XXXX XXXX XXXX  - Account number XXXX ; property address XXXX XXXX XXXX, XXXX XXXX, LA and XXXX XXXX ; Reference loan number XXXX. I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was sentenced 60 months for money laundering. Members of the congregation was working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My properties and automobiles was seized due to my previous occupation and employment. I was working for a Federal Agencies and was approached by. XXXX XXXX XXXX XXXX XXXX and he requested a favor from me. The favors were money and grants from the agency. I denied the request and I truly believe this incident have hurt my creditability. Also, he knew employees working for the Federal Emergency Management Agency. The mortgages loans list XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you