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

I noticed XXXX XXXXXXXX XXXX XXXX ON MY CREDIT REPORT A WHILE AGO. Disputed several times with all documentation. XXXX lacks communication and shows severe neglect. All they have done is update the account to current each moth instead of blocking and deleting. My next step is litigation Im well aware of the XXXX ongoing law suits going against them for their neglect and malpractices I wont hesitate!!!
Product: Credit card

At the beginning of XXXX we wanted to pay off our Capital One credit card. 
We made a handful of large payments and a few smaller payments. 
XXXX large payment and XXXX smaller payments processed fine and cleared. XXXX large payment was returned. No record of a return or attempted payment from my back account. I was told by the Capital One credit card it was returned because of abnormal payment habits. I was charged interest on the account because that payment was returned. Days later I attempted another payment and it processed just fine from the same bank account to the Capital One credit card. 
After that payment processed fine I went ahead to pay off the card. I wasnt aware that my bank account information had been deleted from the app. The Capital One credit card deleted the bank account. So the payment defaulted to another card for payment. That did NOT have the funds to make such a large payment. I never would have selected that card to pay. 
So. That payment was returned. 
Then my account was locked down and closed. No warning that this was happening. No communication stating that a returned payment would result in account closure. All of these return payments were completely out of my control. 
When I contacted my bank today I was made aware that my routing number had changed. My bank could not explain why some payments processed fine from Capital One and others were returned with no record on their end. Not one time during any phone call with the Capital One credit card customer service ( there were many ) did they tell me the payments were returned because of bank account error. As some of the payments went through FINE! Then randomly the payments that would pay off the credit card, suddenly were returned. 
Contacted the Capital One credit card today and not only is my account closed but I have forfeited all of my EARNED rewards. I have lost over {$450.00} all because I was trying to pay the Capital One credit card off! 
I feel like these payments were returned purposely to charge me interest. Over {$140.00} in interest after that payment was returned. Then deleting my bank resulted in another returned payment. Which resulted in a closed account. We have never missed a payment. Have never had any account problems prior to trying to pay off the Capital One credit card this month. 
So if they do this to XXXX accounts thats {$45000.00} they make with no strings attached. This has got to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

During our application for a first-time mortgate, it came to our attention that I have had several unauthorized hard inquiries to my credit report by SYNCB/XXXX, most recently on XXXX XXXX, 2017. I have never applied for any type of credit through this company, nor have i authorized any type of inquiry.
Product: Debt collection

I am writing today to notify the CFPB about an issue that is related to Identity theft. I have notified the collection company, and they have failed to comply with my request. Im now in the process of filing a lawsuit against the offending company. I have all supporting documentation, and will upload the police report as well. Please take all necessary steps to have this information removed permanently, and notify me of all findings.
Product: Debt collection

I was enrolled in a XXXX XXXX program with XXXX University now known as XXXX University in XXXX OH. I was enrolled in a class XX/XX/2020 and subsequently dropped it within a timely manner. School officials confirmed tht my class was successful dropped and there was no mention of getting charged anything. It was several months later that I got notification from credit bureau that I had an account that was in collections. I contacted XXXX University and they werent able to resolve my issue. I was not mailed any communication regarding the collection how to appeal. XXXX University fraudulently lures students into enrolling in their programs yet they fail to communicate with the students regarding their financial aid status.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Re : Violation of 15 U.S.C. 1681 ( i ) Request for Immediate Removal of XXXX XXXX I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( i ), regarding the handling of my credit report by TransUnion. The account in question is identified as XXXX ( Account XXXX : [ Account XXXX ] ). 

In XX/XX/XXXX, the XXXX account was removed from my TransUnion credit report. However, in XX/XX/XXXX, I discovered that this account was reinserted into my credit report. According to 15 U.S.C. 1681 ( i ) ( 5 ) ( B ), TransUnion is required to notify me within five business days if previously deleted information is reinserted into my credit file. I did not receive any such notification from TransUnion within the required timeframe, or at any time thereafter. 

Due to XXXX failure to comply with this crucial notification requirement, I am requesting the immediate removal of the XXXX account from my credit report. Additionally, I request written confirmation of the removal of this account sent to my address listed above. 

Enclosed with this letter are the following documents to support my claim : XXXX. A copy of my TransUnion credit report from XX/XX/XXXX showing the removal of the XXXX account. 
XXXX. A copy of my TransUnion credit report from XX/XX/XXXX showing the reinsertion of the XXXX account. 
XXXX. Any correspondence or lack thereof from TransUnion regarding this matter. 

Please consider this letter a formal dispute under the FCRA, and I request a prompt investigation and resolution of this issue. I expect TransUnion to act in compliance with federal law and correct this violation without delay. 

Thank you for your immediate attention to this matter. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification. 

Sincerely, [ Your Full Name ] [ Signature ] [ Date ] Enclosures : 1. Copy of TransUnion credit report ( XX/XX/XXXX ) XXXX. XXXX of TransUnion credit report ( XX/XX/XXXX ) XXXX. [ Any other relevant correspondence ] -- - Ensure you fill in the appropriate details before sending the letter to TransUnion.
Product: Mortgage

After our loan was sold to roundpoint mortgage company, we received a letter requesting documentation of homeowner insurance. We faxed the documentation to the number provided on the letter. We soon received a second letter requesting same. We re-faxed, emailed, and spoke with a customer service representative who assured receipt. We just got another letter notifying us of a charge of {$7200.00} to cover costs of insurance because we failed to provide documentation of insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor XXXX  XXXX removed the account beacuse it wasnt mine. The company that bought XXXX XXXX it kept it on with a last payment date that wasnt on the original date. The collector who bought it stated a last date paid was wrong beacuse they never recieved a payment from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$78000.00} XXXX XXXXXXXX Date Opened : XX/XX/2005 Balance Owed : {$95000.00} XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$51000.00} XXXX  XXXX Date Opened : XX/XX/2005 Balance Owed : {$4400.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Transunion is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Transunion not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services.
Product: Credit card or prepaid card

I am making a complaint against XXXX XXXX XXXX, I never received the card in the mail and there are unauthorized fraud transactions on the account. I also provided an affidavit to synchrony bank regardint it, but they are making me laible to pay for all those fraud transactions. 

Where is their 0 % Liability promise? Why they are making me liable to pay for the transactions I never did? 

I never received the card in the mail and they got to understand this. 

I will have to go to court to solve this problem.
Product: Student loan

I have a consolidated student loan with Nelnet, for a school that went out of Business shortly after i left. The name of the trade school Was XXXX XXXX College, address was XXXX XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. I attended that school from approx. XXXX XXXX to XXXX XXXX. Part time in the evenings. The course was XXXX  XXXX.a XXXX yr, diploma. Not XXXX XXXX. I was working full time for the Federal Govt. as a XXXX  XXXX. The school way over charged us, promised us a XXXX job. Plus someone in their Adminstration must have sold our Social Security numbers to someone, because many of us were victims of Identity theft, myself included. This was on the news. I still have to do my taxes with a pin number because of this breach of security. Finally, as i mentioned, i was stil working for the Federal Govt. after i got finished with the school and i have been making payments every month from approx XXXX, to XXXX while i was employed with the XXXX XXXX. I spoke with Nelnet people a couple times about any type of loan forgiveness, or even reduction in the loan based on all these circumstances but got nowhere. I am unable to locate my nelnet loan number at this time, i havent had to make a payment since XXXX due to covid. I am now retired from The XXXX XXXX and would appreciate any help you could give me in either reducing, or forgiving the school loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX XXXX 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: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

I have been harassed by this company when asked to show proof or information of the original creditor the company could not provide correct information. this has been going on since XXXX account # XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX all accounts are not correct. I told the company the debt they are attempting to collect are not mine. They continue to contact threw different mediums and now have a new company ( aidvantage ) to harass me. after i sent a cease and desist. They are also in violation on many laws. 15 usc 1692c, 15 1692g, i can continue below i have provided all the slips sent. during these time if you look at my consumer report they still sent false information which is also a violation of 15 usc 1611.
Product: Checking or savings account

US Bank refuses to let me get my money out of my account my account is due to close I'm just getting the runaround from the fraud department being told that I couldn't get my money that I would have to wait for a cashier 's check which I shouldn't have to I should be able to walk in and withdraw my money out of my account and let them close my account but instead they are giving me the runaround holding my money without legitimate reason I should be able to pick my funds up I don't understand why I'm getting the runaround from this Bank firstly I don't like dealing with checks I would like to get my money just as I put it in I would like to get it out this is why I am filing this complaint against them
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX thanksgiving, i bought a XXXX XXXX XXXX from XXXX  : XXXX leveraging their 0 % 36 month financing option at $ XXXX. The financing seems to be from TD bank. Phone was delivered to me promptly, however i did not receive any information on bank, card, account number, payment due, payment options etc.. 

In XX/XX/XXXX, i noticed a delinquency record related to XXXX phone. I called XXXX customer service and they confirmed that its TD Bank dealing with financing. I called TD Bank Customer Service - there was no option to speak with customer service agent in their IVR option. I got hold of debt collection teams number, i called and spoke to them and realized that they do not have my address and phone number so there was no communication sent to me. I gave them my address and phone number and asked them to update and issue my new card / new account number. I also paid outstanding balance at that point of time {$140.00}. This amount include late fee of {$100.00} charged to my account. They waived XXXX late fee, for the remaining they asked me to submit a dispute form. I was told that i need to submit/mail in a physical dispute form to reverse the late fees. I was hoping that problem will be solved so went ahead and submitted dispute form as well on XXXX  XXXX XXXX through USPS certified mail to TD Bank Retail Card Services - XXXX XXXX XXXX XXXX, XXXX, SC XXXX. Tracking number was XXXX. This was duly delivered on XXXX  XXXX. However, my ordeal with TD bank did end there. As i dint receive my new card or account number, i called them XX/XX/XXXX to enquire. Only debt collection team will speak to customer in TD bank, their customers has no option to speak with customer service agent in the IVR ( XXXX ). I connected with a debt collection agent to find out that no communication was sent to me and they had already applied additional {$38.00} as late fee towards XXXX XXXX payment. TD banks debt collection agent ( XXXX  ) confirmed that they can not reverse more than 1 late fee. I enquired if they received my dispute form, they have no clue on that as well. XXXX claimed that she is transferring me to dispute team, but later updated me that she spoke to dispute team and they confirmed they did not receive the dispute. Only thing XXXX helped me with is my new account number so i can register myself online. on XX/XX/XXXX, i paid {$1000.00} for a phone that was valued at {$940.00} to close down the accound and avoid any more bad experience with them. It looks like TD Bank business model is to make money on late fees on 0 % installment loans. Through zero communication to customer, they ensure they will get late fees on every loan account. 

Overall, TD bank punished me for no mistake of mine and they had no intention to reverse and rectify the situation inspite of no mistake from the customer. I want CFPB to look into this issue and take strict action against TD bank for exploitng customers and take action to correct my credit report with delinquency record and refund late fees charged to my account and additional compensation for bad experience..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason Experian can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in XX/XX/2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of Experian and find why the XXXX  this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.
Product: Debt collection

This was a debt that allegedly occurred in 2016. I did not apply for, nor did I receive a credit card from the original creditor XXXX XXXX in 2016. I explained to these people that someone stole my information and went on-line and did this. They ruined my credit with this. I believe the original creditor and Midland funding Llc may be complicit in stealing my information for financial gain
Product: Credit reporting or other personal consumer reports

This is a second complaint related to complaint XXXX. 

This company is a new young fintech company faking it and making up rules along the way. 

In my last complaint I indicated the company was engaging in wire fraud 18 usc 1343 due to its failure to administer the customer service function and instead just charging predatory fees. This would be UDAAP. 

The company never responded to the complaints even when served it own codes of conduct with the requisiste US Title 18 citations as well as TILA etc. 

Now the company is lying to the credit bureaus. They are applying some make up to posture themselves in the position. The company is not reporting a dispute on the account. The credit reporting was recently updated and is incorrect. The first forgery/false statement was sent to Transunion. I'm sure XXXX will get one next. 

It is 18 USC1519 as well as 18 USC1001 to take false statements or destroy evidence. 

As shown in attachment this company has multiple XXXX desk tickets submitted for customer support that went unfulfilled. And the response provided by the representative was not matching to the statements made before the SEC. This complaint needs higher publicity as this young fintech company is going to injure many more people with this type of predatory activity. 

I hereby request whomever is handling this matter from XXXX with the CFPB to provide your first and last name clearly so i can have recourse rights to contact your local police and or attorney general or district attorney to press charges for fraud. 

Clearly the contact from the CFPB was not a deterrent for this young company to mitigate the failures of the customer service department.