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

XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Charge-Off Account Under 15 U.S. Code 1601 Dear Sir/Madam, I am writing to dispute a charge-off entry on my credit report, which I believe is inaccurate and violates the provisions outlined in the Truth in Lending Act ( 15 U.S. Code 1601 et seq. ). 

According to my credit report dated XX/XX/XXXX, there is a charge-off listed by XXXX  with the account number UNKNOWN. However, I contend that this information is incorrect and does not accurately reflect my credit history.

Under the Truth in Lending Act, creditors are required to provide accurate and complete information about consumers ' accounts. I believe that the information regarding the charge-off is inaccurate for the following reasons : 1. Lack of Verification : I have not received any verification or validation of this debt from XXXX despite multiple requests. As per the Fair Credit Reporting Act ( FCRA ), creditors are obligated to provide verification of debts upon request.

2. Inaccuracy of Reporting : The reported charge-off amount does not align with my records of the account. There might have been errors in the calculation or reporting of this debt.

3. Statute of Limitations : If applicable, the statute of limitations on this debt may have expired, making it unenforceable and ineligible for reporting.

In light of the above, I request that Trans Union conduct a thorough investigation into the accuracy of the charge-off entry. I ask that you provide me with the following : 1. Documentation validating the debt, including the original signed agreement.

2. Proof of the last activity or payment made on the account.

3. Any other pertinent information related to the charge-off.

I also request that Trans Union temporarily remove the disputed charge-off from my credit report during the investigation process, as allowed under the FCRA.

Please provide a written response within 30 days as required by law, detailing the results of your investigation and any actions taken. If you are unable to verify the accuracy of the charge-off, I request that it be promptly removed from my credit report.

Thank you for your prompt 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

To Whom it may concern : Thank you for taking the time to read this letter. I'm writing because my credit reports contains late payments for my CareCredit/Synchrony credit card for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. 
I called CareCredit in XX/XX/XXXX to ask for assistance to reduce my monthly payments because of the coronavirus epidemic and my hours at work were reduce. I had an excellent payment history and account was current with no late payments. CareCredit enrolled me into the customer assistance plan in XX/XX/XXXX. The representative explained to me that if I accept the plan that my CareCredit credit card would automatically you be closed, and I would pay XXXX a month and 0 % interest until the account is paid in full. I agree to the term and the agreement was set up. 
I want you to know that I understand my financial obligations, and it weren't coronavirus epidemic, and my hours reduce at work, I would have been able to pay my account. 
I spoke with a CareCredit representative in XXXX and XX/XX/XXXX, and they did a dispute online for me and I received a response stating that the information that was reported is accurate.
Product: Payday loan, title loan, or personal loan

Loan Depot they have called me for a past few days multiple times. My phone record on my phone only keeps so many. 
Called XX/XX/XXXX at XXXX, XXXX, XXXX. 
XX/XX/XXXX at XXXX, XXXX I have called and asked them to remove me from the list but they still keep calling. It says that you can be removed but I hit that and they still keep calling.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase of {$21000.00} on my Chase Sapphire card. My statement closed on XX/XX/XXXX. While I did not pay off the balance in full, I did repay the {$21000.00} on XX/XX/XXXX, leaving me with a balance that was probably around {$5000.00}. According to the terms printed on my statement ( line 3 of the statement excerpt below ), I have a 21-day period from the statement close in which to repay any portion of a purchase with no interest. Because I did repay a portion of the bill during the interest free period, I should not have been charged interest on the {$21000.00} ; however, I was charged interest for the full balance for the 12 days it was on my card. I spent about an hour speaking with two different customer services agents, one of whom was a supervisor who told me that it would probably be pointless to escalate further because the company would not refund the interest charges, which they view as correct.
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Page 2 of my statement : How to Avoid Paying Interest on Purchases : Your due date will be a minimum of 21 days after the close of each billing cycle. If you pay your account in full each billing period by the date and time due, no interest in charged on new purchases month to month. Also, we will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest-free period. Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until your account is paid in full. Because we apply payments in excess of you minimum payment first to higher rate balances, you pay not be able to avoid interest charges on new purchases if you have another balance at a higher interest rate unless you pay your balance in full each month.
Product: Credit card or prepaid card

This card is a MyVanilla debit card. Last XXXX you helped resolve an issue where they prevented me from using this account from XXXX to XXXX. They have done it again, effective today. The expiration date for this card is " XX/XX/23 ''. Not having received a replacement card yet, I called their main number on XX/XX/XXXX around XXXX. 
After a half-hour wait for an answer, the person told me that they were NOT going to send a new card, apparently until I called and requested one. He said a new card would be sent within 10 days. This morning, my online account is " inactive ''. How am I supposed to activate my new card if the account is " inactive ''? Also, what about using my EXISTING card and funds between now and the end of XXXX? They have prevented me from using my current card and funds, and wait 10 or more days for the new card. What is the matter with this company? Can they do ANYTHING the right way?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XXXX XXXX XXXX XXXX identity, XXXX XXXX XXXX inquired on various days, XXXX XXXX  XXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX & XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Milestone reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all 3 bureaus several weeks ago and Milestone didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has and is continuing violating my federally protected consumer rights as well as my constitutional rights to privacy and confidentiality under 15 United States Code 1681.

15 U.S.C. 1681 Section 602 A States I have a right to Privacy 15 U.S.C 1681 Section 602 A Also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item, or information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. 
Here are a list of such accounts or companies that are violating my rights and dates they furnish such information. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 
I sent XXXX a letter certified Mail # XXXX on XX/XX/XXXX Requesting them to remove the information they are reporting i havent receive a response back I sent XXXX a letter certified Mail # XXXX on XX/XX/XXXX Requesting them to remove the information they are reporting I havent receive a response back. 
I sent Experian a letter Certified Mail Receipt # XXXX on XX/XX/XXXX Requesting them to remove the information they are reporting I havent received a response back.
Product: Checking or savings account

I bank with Capital One and did not receive my entire paycheck deposit. I usually receive the deposit on the Thursday before the Friday payday. Apparently, the bank has a technical issue with a third-party vendor not being able to process our paychecks. The bank knew about this issue 3 days before sending a notice to their customers which is not right. People 's livelihood is in jeopardy because an FDIC insured banking organization is not able to pay out what is due to the customers through direct deposit. This is UNACCEPTABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$5900.00} XX/XX/XXXX. 
Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because Equifax didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$290.00} XX/XX/XXXX Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because Equifax didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$6500.00} XX/XX/XXXX This is incorrect, payments have been made and haven't been honored. I can provide truthful accounting records. How can I only have a credit limit of {$1000.00}, but used {$6500.00}? How does that add up? 15 USC 1611 is a criminal penalty of a year and or a civil penalty of {$5000.00} per violation. If Equifax is to be a credit reporting agency then XXXX XXXX must be available at all time. I did not close the account because I am the creditor. 

XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX This debt has been paid in full. I have the documents proofing as such. This account was closed fraudulently.15 USC 1611 is another violation of my protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX CARD # XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Discover bank made claims that there was a collection filed in court with my name mentioned I never received any served documents on such cases they claimed I was issued a XXXX dollars and tht was never received please provide documents of court proceedings and signed flow of agreement documents for received money issued with dates and time please see pasted statement below by discover bank {$200.00} security deposit was refunded to you. On XX/XX/XXXX, your account charged off due to non-payment with a balance of {$2300.00}. Subsequently, from XX/XX/XXXX, through XX/XX/XXXX, your account was placed with multiple agencies to assist with collection efforts on our behalf. As of XX/XX/XXXX, your account has been placed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, a lawsuit was filed in the Delaware XXXX XXXX XXXX XXXX, Ohio. Should you have questions regarding your account, please contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. For your reference, all available billing statements on your account have been uploaded to the CFPB
Product: Credit reporting or other personal consumer reports

I filed complaint XXXX Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifable accounts unresolved, The CFPB has already filed a lawsuit against Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequartely notify consumers of duspute outcomes. These failures align with my experience where Equifax has neither corrected nor removed disouted items despite the evidence I provided, causing omgoing harm to my credit report standing. I am requesting immediate corrective action to removw or amend the disputed accounts, as Equifax 's imaction violated federal law and my rights as a consumer.
Product: Credit reporting

I was only allowed to select XXXX option but there are actually XXXX. Account terms, account status and validation that the account is even mine. My issue is with XXXX XXXX XXXX who reported inaccurate and different information to XXXX, XXXX and Experian. I have filed a direct dispute with XXXX XXXX XXXX to stop reporting this inaccurate information that is severely damaging my credit report. As this complaint is going to Experian, they have me " also known as '' someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX, # XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Midland Credit is reporting an account with account number XXXX, originally from XXXX XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$950.00} as of XX/XX/XXXX. I reached out to Midland and informed them that I have no knowledge of this account and that I did not open it. 

Despite my request, Midland has refused to provide validating documents showing how, when, and where this account was allegedly opened, nor have they provided any signed consent proving that I authorized this account. This appears to be a result of a data breach that compromised my credit profile.

I have formally asked Midland to delete this account as it is not mine and is negatively impacting my credit profile. Their refusal to validate or remove this fraudulent account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the immediate deletion of this account from my credit report.
Product: Checking or savings account

On XX/XX/18 my debit card number and PIN number were used to make a fraudulent transaction of {$270.00} at a XXXX  grocery store and the person also attempted a {$320.00} transaction but chase froze my card already at this point. Chase refunded me the {$270.00}, on XX/XX/XXXX the took the money back out of my account and Im getting bombarded with overdraft fees. I received a letter saying it was ruled as authorized because my PIN number was used. I was told if I had any other information to send it through fax to them. I sent them my emails with the XXXX  police, and screen shots of my XXXX location services putting me a 35 minute drive away from the place the transaction took place at the time it took place. I dont think chase will help me and I dont know what to do at this point.
Product: Credit card or prepaid card

Under the Fair Credit Act, they should not be reported misused information to my Credit Report.This Account is Fruadulet.
Product: Checking or savings account

I have been a preferred customer of Bank of America for over 30 years and got a letter two weeks ago that they closing all my accounts in 30 days with no explanation. I went to bank branch as well as called number on the letter and all I got is that they dont have to give a reason other they do not want to do business with companies in my industry. We are a XXXX XXXX  so are they not doing business with XXXX XXXX I find that hard to believe! If this is the way they treat their preferred customers, why would anyone want to do business with them. Now I have to scramble to open new accounts and notify all the automatic payments and deposits of the changes to venders and customers. This is very unprofessional and people need to know how they treat customers. I have also referred XXXX of customers to the bank and probably made them a lot of money and this is the thanks I get!
Product: Debt collection

Received a notice for small claims from a law firm in my state regarding a debt from Plaza Services when I had never received anything by mail from this company first, attempting to collect any debt. I tried contacting them via the XXXX  but they told me to get in touch with the law firm handling the debt instead of them.
Product: Credit reporting or other personal consumer reports

Equifax states my personal information was impacted ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax XX/XX/2021 ( Confirmation number : XXXX ( Dispute Response Attached ) ) with supporting documents ( Attached Are Billing Statements ) to back my dispute for the investigation and the investigation completed XX/XX/2021. Equifax did not update any information pertaining to the account in question but instead continue to report the account with inaccurate account history information after providing supporting documentation. 

The payment history is incorrect, highest balance reported is incorrect, creditor classification has been change since the dispute completed to show as not being a credit card and it is in fact a credit card with revolving terms, the terms frequency should show as monthly. 

This company claims to report to all 3 major credit bureaus but has only reported to 2 which are XXXX and Equifax. I submitted a dispute to XXXX XX/XX/2021 about the same issues and XXXX deleted the account XX/XX/2021 instead of updating the account information in question because the creditor didnt respond to the open dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I instantly called your department the moment I received the copy of my report that I purchased with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

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

I made Several attempts to XXXX, XXXX, Equifax remove the Bankruptcy off my credit report. it showing that I filed a XXXX XXXXXXXX with i didn't. and XXXX XXXX I ask them to verify the information and they haven't been able to. I need this to be remove from my credit report and it in violation of the Fair credit Reporting Act 1970.