23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, pa XXXX Formal Dispute and Demand for Deletion of All Accounts - XXXX XXXX, Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, This letter serves as a formal dispute of any and all debts listed on my credit report under my name, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IA XXXX. I hereby revoke any and all rights granted to you regarding my credit information. 

I am aware of the numerous legal actions taken against TransUnion, including the CFPB 's enforcement actions for sham investigations of credit report errors and the 2017 class-action regarding FCRA violations XXXX These actions highlight TransUnion systemic failures to comply with consumer protection laws. 

Specifically, I am disputing the following violations : FCRA Violations : I allege violations of 15 U.S.C. 1681s-2 ( b ) ( failure to conduct reasonable investigations ), 15 U.S.C. 1681n ( willful noncompliance ), and 15 U.S.C. 1681o ( negligent noncompliance ).

FDCPA Violations : I allege violations of 15 U.S.C. 1692e ( false or misleading representations in debt collection ).

CFPB Regulations : A collection account has been placed on my consumer report without providing me with the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, I have been denied the opportunity to dispute this account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

12 CFR 1006.34 ( D ) and 15 USC 1681-S 2 ( 7 ) ( A ) Violations : The collection agency furnishing this information has done so without providing all legally required disclosures and is therefore in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). The collection agency is using false, misleading, misrepresentative, and deceptive means. They have no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law.

Therefore, I demand the following : Debt Validation : I demand complete and thorough validation of any and all debts reported under my name. This must include, but is not limited to, the original creditor 's name, the account number, the date of default, and a detailed breakdown of the debt.

Purchase Agreement : I request a copy of the purchase agreement between the collection agency and the original creditor, demonstrating their legal right to collect this debt.

Licensing and Bonding : I request proof that the collection agency is properly licensed and bonded to operate in my state.

Immediate Deletion : I demand the immediate deletion of all disputed accounts from my credit report. 
Failure to comply with these demands will result in further legal action. 

Please provide all requested information within 30 days of receipt of this letter. 

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

I am writing to request a free copy of my TransUnion credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). I was recently denied credit on XX/XX/2024 by XXXX. 

According to the FCRA, I am entitled to one free copy of my credit report from each of the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ) within 60 days of receiving an adverse action notice, such as a credit denial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX - XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Dispute of Charge-Off Reported by XXXX XXXX  XXXX SSN ( last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX Account Number : XXXX Dear Experian Dispute Resolution Department, I am writing to formally dispute an entry on my credit report regarding a charge-off reported by XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and provide verification of the accuracy of the charge-off. Specifically, I am requesting the following : 1. Detailed Payment History Please provide the detailed payment history for the account, including all payments, adjustments, fees, and any changes to the account balance.

2. Original Agreement or Contract Please provide the original agreement or contract that validates this account, including the terms, conditions, and any amendments or updates to the original agreement.

3. Evidence of Compliance with Charge-Off Procedures Please provide evidence of compliance with the charge-off procedures as outlined in the applicable regulations and XXXX XXXX  's internal policies . This includes proof of notification ( such as letters or communications ) sent to me regarding the charge-off, as well as any documentation showing that the charge-off was processed according to industry standards. 

The charge-off listed by XXXX XXXX XXXX  XXXX appears to be inaccurate because the charge off date the information being reported on my credit report indicates a charge-off status beyond the correct date, which I believe is both misleading and inaccurate. 

If the furnisher, XXXX XXXX  XXXX , is unable to provide sufficient evidence to support the current reporting of this account, I respectfully request that Experian delete or correct the erroneous information immediately to ensure that my credit report accurately reflects my credit history. 

Should Experian fail to respond appropriately or resolve this matter within the time frame required by law, I will consider escalating my concerns by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I trust that Experian will take the necessary steps to ensure full compliance with the Fair Credit Reporting Act and resolve this issue promptly. 

Please find enclosed the following document to support my dispute : A screenshot of my credit report showing multiple charge off dates from XXXX XXXX  XXXX In accordance with the Fair Credit Reporting Act, I request that Experian conduct a thorough investigation within 30 days and update my credit file accordingly if the information is found to be inaccurate. Please provide me with a copy of the results of your investigation once completed. 

I respectfully request that you confirm receipt of this letter and notify me of any actions taken. Thank you for your attention to this matter. 

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

I need to re-document and refile this complaint to GM FINANCIAL. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit card

This Is To Bring Under Your Notice That, I was Using Citi BankCard No. XXXX From More Than 7 Years, And When Today Am Trying To Use It For Online Payment It Declined My Payments. 
When I Got Its Reason From Its Executive It Was Really Very Shocking & Unethical On There Part That My Card Had been cancelled Without Informing Me & Without Taking Me into Consideration. The Reason Is Very Great ThatIf We Not Be Able To Use It For Few Months, They Make It Cancelled. 
We Expect Banks Will Only Stops Who are Bad Pay Masters. You People Really Made embarrassed While Using Your Card In Presence Of My Friends n Family. 
Previously I Had Inform Citi Bank For My Correspondence Address Changed In XXXX 2015, The Same Is Not Updated Due To New Aadhar Card Not Issued At That Time, Citi Bank Not Considered Landline Telephone Bill.
Product: Mortgage

We had flood insurance placed on my property in 2013. Unfortunately this coincided with a job loss that was the main source of income, so we had to save money in order to have a new survey. That was done and submitted ... and then we needed an elevation certificate. That was done and submitted. Then we were told that we had to submit paperwork to XXXX for a XXXX. That was done. With the lowering of our income, this took some time. We were assured that the premiums would be returned in full once we had the XXXX. We never missed a payment, even though the " escrow shortage '' grew and grew, with the added monthly flood insurance premium, the shortage that was created by the initial premium, and the " cushion '' ( XXXX of the total, or there about ). Finally, all the paperwork has been submitted, we are no longer required to have flood insurance ... and we ca n't get our money refunded. The company ( according to their automated phone system and our account profile on their website ) made a " payment '' on our loan in the amount of the first year 's premium. Except not really. I was told it was n't a " payment payment ''. I was told this after 20 minutes of listening to " XXXX '' sigh and click and mutter while he tried to figure out what happened..and then was completely rude. My monthly escrow still reflects the flood insurance. My payment is still more than {$100.00} over what it should be, but that " should be corrected in XXXX ''. I understand that many other customers went through worse scenerios, even into foreclosure ... but this company is making so much money with these smaller situations : excess cushions, " shortages '' that they ca n't even explain, delays in escrow adjustments. All that money they collect just disappears. They could n't even explain their own escrow analysis. I was a loan closer in the XXXX 's, before everything went crazy, and we were required to document every penny in and out of escrow. The regulations have to be stricter now, do n't they? How can this company still be allowed to buy loans? Because I was not a willing customer Their client base is given to them, without our ability to vet them.
Product: Checking or savings account

My complaint is about XXXX - the largest shameless business giant which neither pays its taxes nor conducts ethical business with consumers. 

XXXX Sold me a camera ( Video Camera Camcorder XXXX XXXX XXXX ), together with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-I Memory Card Up to XXXX, XXXX/XXXX on XX/XX/2019. The video camera costs XXXX and the memory card costs XXXX, a total of XXXX. I was trying to return the item and arranging return pickup repeatedly since XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019, respectively. I have attached all the pieces of evidence of those subsequent return pickup attempts from my end with this complaint. XXXX only refunded me XXXX claiming I was late in returning but in fact, I wasn't, but they are the ones who never really picked the item up as promised. I always kept the package ready for them to pick up but they either left the labels outside door or never even came. I complained to XXXX about this negligence again and again but they didn't do a single thing to rectify this repeated misbehavior. 

XXXX also sold me two different styluses. Each stylus turned out to be problematic and when I contacted back XXXX to inquire about the products, they told me that I don't need to return the original products and sent me replacements so I didn't bother further about returning and threw the originals away, but the replacements also turned out to be problematic for me. I purchased XXXX XXXX XXXX XXXX on XX/XX/2019, cost {$14.00}, which arrived with no user manual at all. I needed instructions on how to replace the tips or use it effectively and as I tried to change the tip, the product got wasted. I contacted XXXX informing about difficulty and complexity of using the product so they told me not to bother returning the original and promised to send me a replacement with a user manual this time but they broke their promise. Again I got the same item with no user manual. Before I got the replacement, I threw the original away since it got totally wasted and now that I only returned the replacement, they are saying it's my fault and I don't deserve a refund. 

I purchased XXXX  XXXX  XXXX  XXXX on XX/XX/2019, cost {$29.00}, and after a while, it began to skip lines while drawing and turned out to be defective so just as XXXX XXXX XXXX XXXX, I contacted XXXX and XXXX made the same promises which turned out to be lies as well. I could only return the only available replacement since I already had thrown away the original and XXXX claims as before as always that it's my fault as well and that they treated me fairly each and every time. 

I have attached all the records on all the three items above with this complaint.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open accounts and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$8500.00} ; XXXX XXXX  XXXX Balance : {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXXDOFED XXXX Date Opened : XX/XX/2016 Balance : {$24000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX keeps calling my work phone number to collect a debt that is neither mine nor any of my clients. I have requested removal from the list at least 3 times at this point and informed them that the person they are trying to reach is not associated with my number. I receive calls about twice a month. The last call they made was today, XX/XX/2022 at XXXXXXXX XXXX
Product: Debt collection

I looked into my Navy Federal Credit Union account and seen that Navy Federal took out {$120.00} out of my share savings account to pay a debt allegedly owed by my niece whose campus checking account is ( still ) linked to mine. I asked for the accounts to be closed back in XXXX when the XXXX  was returned to her mother. The account still remains active and open and reporting a negative balance. 

I called navy federal XX/XX/XXXX, to inquire about getting my money back. When I told her about what I found on the CFPB website about them being sued for deceptive practices with their debt collection practices, the woman became irate and was very rude to me. She told me no, she would not be returning my money and then hung up on me. Now I'm unable to log into my online account. I'm afraid me asking questions and asking for my money back, they will use my money to satisfy my nieces remaining debts and close all my existing account.
Product: Checking or savings account

I'm XXXX XXXX, XXXX, ( XXXX ) XXXX. XX/XX/22 I called Merrill Lynch to close my XXXX of {$35000.00}. I need it for another investment, so I closed it early. This was the sole reason for closing it, and I paid Capital gains tax of 20 % plus I will need to pay the penalty, which I expected. So on XX/XX/22 all was good, the agent informed me I would receive the check in 5 to 10 days. No check came. XX/XX/22 I called and spoke with XXXX XXXX, he informed me the first agent gave me wrong information. It should be 7 to 14 days. I said ok, then still the check should be here, he agreed. He informed me I can wait for the first check or they can stop payment the cut a new check, Taking at minimum another week. As I stated I needed my money for another investment, I negotiated the new endeavor according the the time frame these agents gave me. No check. I called XX/XX/22 spoke with XXXX XXXX ( quite rude, but doesn't matter ) He gave me the same options. I explained I will lose the new investment if I don't get it. Nothing so I asked for a supervisor, XXXX XXXX refused to give her last name ) she asked to wait a few more day. I agreed if she would call me on XX/XX/22. She agreed. No phone call, no check, will lose investment already put down, pay taxes and penalty because they gave false information.
Product: Debt collection

Capital One Auto has reported false unverifiable information on my credit for five years. Disputing the information has not been updated or any changes after each dispute. The payment history, dates, & amount owed is incorrect. Capital One refuses to fix the errors so Ive requested they delete the items from all three credit bureaus. There has been no changes and the repossession was from three years ago is being reported as repossessed last year.
Product: Vehicle loan or lease

XXXX I have not run a report to buy a car. DT is just one of many I did not make. 

Other dispute statement personal information My alerts are with old number it doesn't allow me to edit and change my number. 

I.habe had my identity stolen so I need to lock my credit report almost always. 
Please delete DT credit inquiry and others trying to buy a car. In XXXX and XXXX Thank you XXXX XXXX Old number XXXX. To be deleted
Product: Checking or savings account

My check for deposit into my account was overnighted to Axos Bank and I received proof of delivery that it was signed for by XXXX XXXX on XXXX  at XXXX XXXX My check also had a deposit slip stapled to it. By XXXX XXXX I noticed that my check was not deposited. I called the bank and was told to wait one more business day for the deposit. I asked if she could see my check and she replied that she " can not see the details of my check ''. So she lied to me. I asked to speak with someone who could help me since the only thing she would tell me to do was " wait one more day ''. She would not transfer me or provide me with a different phone number. Finally, she told me to send the proof of delivery in a secure message through my online bank. So I did. I rec 'd an automated message back confirming the receipt of my message and a case created. I received no status update on XXXX XXXX  On XXXX XXXX  replied to my case. I did not receive a response. On XXXX XXXX I sent another message, I did not receive a response. I called the bank the same day and got someone on the line, but they disconnected from me. On XXXX XXXX, I called the bank and was told the same info from my XXXX XXXX  call. This is unacceptable. I asked to file a complaint and they would not transfer me to anyone, saying that they are unable to do so. 
After many times of going back and forth, he emailed me a form titled Affidavit of Unauthorized/Altered or Forged Check, which doesn't make any sense! My lost check has not even been cashed. The bank straight-up lost it. I can not get anyone to take charge of my case or even speak with someone higher up with the knowledge to assist with my case. I am getting absolutely NO HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my consumer report that is inaccurate. According to The Consumer Credit Fairness Act of XXXX, which was signed into law last XXXX ; it states that ; the statue of limitations for consumer debt collection has been reduced from XXXX years to XXXX years for the State of New York. The information being reported has passed the statue of limitation time ; for this I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The account has been on my report since XX/XX/XXXX. It has been removed from XXXX, but XXXX and XXXX is still reporting the inaccuracy. 
The company reporting to these credit reporting agency is Fair Collections & Co which is in the amount of {$18000.00}. I have put in disputes with the credit reporting agencies with no response.
Product: Credit card or prepaid card

US Bank makes it increasingly difficult to request credit card agreement and terms. US Bank makes it increasingly difficult to file disputes on charges. US Bank credited me back XXXX cents XX/XX/2021 for my dispute on a merchant charge plus my rewards credit of XXXX cents on XX/XX/2021. US Bank subsequently stole my money from a dispute and rewards redemption claiming they are unable to mail a check for under a dollar. US Bank made it difficulty to receive my funds back stating I would have to make numerous calls for a resolution. On XX/XX/2021 I called to speak to card member services representative XXXX who requested a manager call back on my behalf. Final resolution still pending on numerous issues.