23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me a new card and when they did they reported me a second account on my credit report. Its always been the same account same balance. For one year now they were reporting I was at 100 % utilization on one and then the other was accurate. After a year of impacting me I finally got the bank to send a letter to credit bureaus to remove this one from my report completely. Now all 3 bureaus are marking it closed due to fraud and now my score is down 20 pats. How is this legal I never had two accounts or separate balances. Ive now been impacted for a year this is crazy! Its like the bureaus want is to Have low scores.
Product: Debt collection

This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with CAPITAL ONE BANK, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.
Product: Debt collection

I moved out of the apartment on XX/XX/year>. As of XX/XX/year>, I still had not received the move out statement so I reached out to request a copy. On XX/XX/year>, I requested a copy of my lease to review my move out terms. I did not receive the copy until XX/XX/year>. Immediately after reviewing, I submitted my dispute. I have reached out to the apartment management several times for updates and have not heard back and now I'm getting notice that the account was sent to collections as of XX/XX/year>.
Product: Credit card or prepaid card

made a cash advance on XX/XX/XXXX for XXXX. made a branch payment on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. purchases have an interest rate of 15 per cent and cash advance has an interest rate of 25 per  cent. the card is wells fargo. according to the credit card act of XX/XX/2009 all payments above the minimum payment are to be credited to the higher interest rate first. my minimum payment for my statement closing date of XX/XX/XXXX is XXXX. so the other XXXX should have been applied to the higher interest rate cash advance. it was not applied. i called wells fargo on XX/XX/XXXX and was referred to a supervisor named XXXX. he referred me to customer care a person named XXXX talked with me. he claimed first that the law had changed so i XXXX the change but found no evidence. so XXXX claims that i have the wrong understanding of the law. that is what prompted me to contact the consumer financial protection bureau.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX and TransUnion for Inaccurate Reporting of Auto Loan Account Dear CFPB, I am filing a formal complaint against XXXX and TransUnion regarding the inaccurate and inconsistent reporting of my auto loan account. Despite my efforts to resolve these discrepancies directly with the credit reporting agencies, significant errors remain on my credit report, which violate both federal consumer protection laws and XXXX XXXX compliance standards. 

Details of the Discrepancies : Inconsistent Date Opened Reporting : XXXX : Reports the date opened as XX/XX/XXXX. 
TransUnion : XXXX the date opened as XX/XX/XXXX. 

This discrepancy suggests a failure by the data furnishers to report consistent and accurate data, which is required under XXXX XXXX standards. 
Inaccurate Date Last Active Reporting : XXXX : Reports the Date Last Active ( DLA ) as XX/XX/XXXX. 
TransUnion : XXXX the XXXX as XX/XX/XXXX. 

The XXXX XXXX standard mandates that the Date of Last Activity be reported consistently across all bureaus. This inconsistency directly impacts how long this account will affect my credit score. 

Discrepancies in Payment History Reporting : Both XXXX and TransUnion report a payment history showing " XXXX days late '' and " XXXX days late '' statuses during XX/XX/XXXX and XX/XX/XXXX. My personal records do not support these entries, indicating a potential error in reporting. 

XXXX XXXX guidelines require accurate and consistent reporting of late payments. The discrepancies in these late payments are misleading and have negatively impacted my creditworthiness. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Inaccuracy in Reporting : The FCRA requires that information furnished to credit reporting agencies be accurate and complete. The discrepancies in the date opened, date last active, and payment history suggest that the data furnishers have failed to ensure the maximum possible accuracy of the information reported. 

Right to Dispute : Under the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Despite my dispute, XXXX and TransUnion have not corrected or removed the inaccurate late payments. 

XXXX XXXX Compliance Violations : Inconsistent Reporting : XXXX XXXX guidelines are designed to ensure that credit reporting is accurate and consistent across all bureaus. The discrepancies in the date opened, date last active, and payment history violate these guidelines and contribute to inaccurate and misleading credit reporting. 

Failure to Report Correct Payment History : The erroneous late payment entries for XX/XX/XXXX and XX/XX/XXXX represent a failure to adhere to XXXX XXXX procedural requirements, leading to a negative impact on my credit profile.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXXXXXX XXXX XXXX  and the vehicle was repossessed because I was XXXX XXXX XXXX XXXX XXXX and the company is reporting inaccurate/inconsistant information to all 3 credit bureaus and negatively affecting me to obtain new credit.the fair credit reporting act states that im entitled to 100percent accuracy on acounts reporting to my credit file and XXXX XXXX XXXX violating my rights.please investigate and delete this account from my credit report XXXXXXXX XXXX account # XXXX the balance, date of last payment, payment history, payment amount, term length, account status, credit limit, are all reporting inconsistent information.delete account immediately.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2022, I requested a money transfer from my personal checking account to my XXXX account. The funds was sent to the wrong person/email by Popular Bank . After submitting my complaint and waiting 90 days for my refund, they denied my claim
Product: Debt collection

Debt is old. It dropped off my credit report after 7 years on XX/XX/2015. In Alabama it is 3 years for statute of limitations and it has been XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX, on behalf of XXXX XXXX XXXX ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you
Product: Checking or savings account

Myself and my spouse XXXX XXXX worked at XXXX in XXXX to 2003 and banked at the wells fargo bank in waxahachie until we got tired of the over drafts that we would run into at least once a month. we have since changed backs and are very happy where we are. Not needing anything in return just wanted to point out we are another couple that was hit by the wells fargo issue. We would deposit our checks and use the funds a couple days later. they would move our outgoing funds to cause the overdrafts. as in we had a bill that we had the funds for and another bill that had to wait for a couple days so we had the funds in the account but instead they would move the lesser bill back n put the bigger bill first causing the overdraft.
Product: Credit card

I am writing to formally address the unlawful closure of my Visa XXXX card, which I have recently discovered. This action, taken without proper notice or justification, is not only a breach of our agreement but also a violation of federal regulations, specifically those under Regulation Z.

As previously communicated, my account is subject to an ongoing billing error dispute, and I have exercised my rights under 12 CFR 1026.13 ( d ) ( 1 ). This regulation clearly prohibits you from treating any portion of the disputed amount as delinquent while the dispute remains unresolved. Closing my account while it is under dispute is an adverse action that directly violates this regulation, as it penalizes me for withholding payment on a disputed amount. 

Under 12 CFR 1026.13 ( d ) ( 3 ), you are prohibited from restricting, limiting, or closing my account in retaliation for exercising my rights to dispute billing errors. The closure of my account, without resolution of the dispute or proper legal basis, constitutes a retaliatory action and is therefore unlawful. This action has caused significant financial harm, disrupted my access to credit, and further exacerbated the ongoing dispute.

Federal regulations, including the Truth in Lending Act ( TILA ), require that I be provided with adequate notice before any adverse action, such as account closure, is taken. This notice must include the specific reasons for the action and the steps I can take to remedy the situation. I have not received any such notice, nor have I been given the opportunity to address the purported reasons for the account closure, making this action unlawful. 

The unlawful closure of my account may result in inaccurate information being reported to credit reporting agencies, potentially leading to violations of the California Consumer Credit Reporting Agencies Act ( CCRAA ). If any negative information related to this closure is reported, it will further compound the harm caused by your actions and may subject Chase Bank to additional legal liability.

Closing my account without just cause or due process is a breach of the Cardmember Agreement, as well as a violation of the implied covenant of good faith and fair dealing inherent in all contracts. This breach undermines the trust and confidence that forms the foundation of our relationship and exposes Chase Bank to potential legal action for damages. 

Failure to promptly address and rectify these issues will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and potentially pursue legal action to seek redress for the damages caused by Chase Bank 's unlawful actions. I expect your prompt attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXXrst of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with TransunionXXXX XXXX XXXX XXXX and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

XXXX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only XX/XX/2019. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXXXX/XX/2019, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX     2016 I ca lled century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.
Product: Student loan

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Tran Union LLC, I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : List of the Name of the accounts. 
STUDENT LOANS DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1600.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1000.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph
( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my c
onsumer report, this agency is in violation of 15 USC 1681.

Page 35 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello I put my savings in key bank and over and over my account keeps getting hacked due to fraudulent purchases Ive lost over {$2000.00} my bank wont help because it took me over 60 days to realize the fraud I only have one bank statement to show approximately {$1100.00} but I can get the other one that shows another XXXX $ thats missing
Product: Credit reporting or other personal consumer reports

TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Account with XXXX XXXX XXXX on My Credit Report To Whom It XXXX Concern, I am writing to dispute the inaccurate reporting of a fraudulent account from XXXX XXXX XXXX appearing on my TransUnion credit report. This account does not belong to me, and I have never initiated or authorized any credit transactions with XXXX XXXX XXXX. I believe this fraudulent entry XXXX be linked to the recent national data breach, which has compromised sensitive personal information and led to identity theft. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Date Opened : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX U.S.C. XXXX ), I am formally disputing this account and requesting its immediate removal from my credit file. According to this section, TransUnion is required to investigate any disputed information within 30 days of receiving this request, correct or delete any inaccurate or unverifiable information, and notify me of the results of your investigation. 

Given the prevalence of identity theft resulting from the national data breach, it is crucial that this fraudulent account be investigated and removed promptly. I also request that you ensure that no similar fraudulent activity is reported on my credit file. 
Requested Actions : Immediate Investigation : Please conduct a thorough investigation into the XXXX XXXX XXXX account and verify its accuracy. 

Deletion of Fraudulent Account : Since this account is not mine and was fraudulently created, I demand its complete removal from my TransUnion credit report. 

Enclosed, you will find copies of my credit report with the fraudulent account highlighted, along with supporting documentation, including my identity theft report filed with the XXXX Police Department and proof of identity. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution and the removal of this erroneous information from my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Bank of America has not allowed me an avenue to show proof of recent hardships regarding loan modification. Enclosed, you will see letters from the bank regarding the upkeep my my property and current damage. 

Bank of America will not give me a contact with Email to send this information. They are not working me to find resolve. 

The assigned, yet, another lower level representative who has not reached me. I left XXXX messaged.
Product: Debt collection

GoodLeap LLC was informed several times prior to XX/XX/22 that I have had no business dealings with their company. I requested a copy of a signed contract and a truth in lending statement. 

GoodLeap LLC initiated collections effort in XX/XX/XXXXXX/XX/2022 

I informed GoodLeap again on XX/XX/22 that the debt is disputed and to provide the contract, truth in lending, and all prior invoicing as claimed in their e-mail. 
They were informed to cease and desist and to provide the requested documents to support the debt. 
Documents were received from GoodLeap at the beginning of XXXX that included a contract - voided and did not include a truth in lending statement or prior invoicing. 

GoodLeap proceeded to place a notice on my property XX/XX/22. 

I contacted GoodLeap XX/XX/22 and again informed them I am disputing the debt. 
I again requested a valid contract and truth in lending. 

They then proceeded to create a fraudulent statement with a due date reflecting the same date of my call ( XX/XX/22 ). They increased the disputed debt to $ XXXX and back dated the statement to XX/XX/2022. This was not on record as of XX/XX/XXXXXX/XX/22per the associate on the call. 

I sent a letter to them XXXXXX/XX/2022 again informing them of the dispute and requesting support of the debt. 

GoodLeap sent a letter dated XXXXXX/XX/22 acknowledging my cease and desist, but did not include a signed contract or truth in lending. They claimed the debt is for assumption of solar and provided a copy of an e-mail of someone asking me to sign a document from XXXX. They were unable to provide a signed contract as a signed contract does not exist. 

I found out on XX/XX/XXXX they added this invalid debt to all XXXX of the credit bureaus as past due, decreasing my credit score XXXX points, and causing me to be unable to obtain a approvals in my true business dealings. This a causing a major disruption with my family. 

I called GoodLeap XX/XX/XXXX and requested a Manager. I was transferred to " XXXX - Partner Relations in XXXX, CA ''. She acknowledged the XX/XX/XXXX letter and stated they are still attempting to research the debt. I again informed her the debt is invalid and they can not bully me by adding it to my credit report -- while knowingly not having a valid contract on file to support the debt. I informed her I would need to contact my attorney if these actions continue. She told me to proceed as I have the right to do so. 
I stated to her clearly '' so you are informing me GoodLeap has been unable to locate a signed valid contract after several months, but you have proceeded to place the invalid debt on my credit report in effort to ruin my credit and bully me into paying in addition to stating to proceed with contacting an attorney '' I've contacted the credit bureaus and they state it can take over 30 days to correct. GoodLeap is aware of this I do believe intentionally placed this on my credit WITHOUT a valid contract on file as they know I would have to go through this dispute process. 

This is unacceptable and they should be held liable for these knowingly vicious actions.