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

On XX/XX/2022 I send a letter disputing several unauthorized inquiries on my Transunion credit report. On XX/XX/2022 I received a letter stating that Transunion did not believe this correspondence came directly from me. On XX/XX/2022 I responded with the same letter and two forms of ID and proof of residence attached. Then, on XX/XX/2022 I received this letter ( attached ) basically stating that Transunion would not be investigating the unauthorized inquiries and that I should reach out to the original creditors and ask them to investigate. It is clear that Transunion did not even read my previous correspondence because I stated in the second paragraph that I have contacted the creditors already and they could not provide any permissible purpose for obtaining my credit report. Furthermore, Transunion 's refusal to investigate these inaccurate inquiries violates U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding my credit report, specifically pertaining to billing errors under 15 U.S. Code 1666 ( b ) ( 4 ) and ( 5 ), as outlined below : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Upon reviewing my credit report, it has come to my attention that there are multiple billing errors on my accounts, and I suspect a violation of 15 U.S. Code 1666 ( b ). As per my understanding, the creditor failed to notify me 21 days before with a statement, and as a result, there should be no late payments reflected on these accounts. I am formally requesting hard, solid proof from your institution 's records demonstrating that I did not make a payment and was consequently marked as late, as this appears to be a billing error. 

The specific account details in question are as follows : Account Name : XXXX Account Number : XXXX Late Payment Date : XX/XX/ I insist that these items be promptly updated on my consumer report to reflect the accurate status of " paid as agreed. '' It is my right as a consumer under the law, and I expect compliance within a reasonable timeframe. 

If these accounts are not updated or deleted immediately, I want to make it clear that I reserve the right to seek monetary compensation for the violation of my rights under 15 USC 1681n civil liability. I am prepared to pursue legal action in small claims court in my city and state. 

Furthermore, I have taken the initiative to involve relevant authorities by filing a complaint through the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. This matter is of great concern, and I trust that your institution will address it promptly and rectify the inaccuracies on my credit report. 

I anticipate your swift attention to this matter and a resolution within the statutory time frames.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus XXXX, XXXX, XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Midland Credit Management ( XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, phone XXXX ) on XX/XX/XXXX, & personally PAID IN FULL {$1300.00} from my checking act, for my delinquent XXXX XXXX BXXXX  XXXX XXXX. Afterwards I received MCMs receipt dated XX/XX/XXXX thanking me for my payment & promising to send update to the 3 major consumer reporting agencies as paid. But this act is still listed on credit reports to this day, as charged off, not paid. And is listed with the last pmt to this XXXX act as falsely made way back on XX/XX/XXXX. Thus falsely hurting my credit score significantly. It appears my payment was embezzled, stolen & never applied to my XXXX act. I finally called the company & a foreign-sounding harsh-speaking man informed me that he hadnt had enough time, but would be promptly reporting my pmt soon. But still now in XXXX, nothing reported thus making this derogatory act remaining on my credit reports. Pls help me to get it removed. Thank You in advance!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an incorrect account status remarks from Capital one. 
Capital one should be reporting the following account status remarks " Closed by credit Grantor '' XXXX  is currently reporting account status remarks Chapter XXXX Bankruptcy. 
As of XX/XX/2018 i do not have a chapter XXXX Bankruptcy on file in my XXXX Public Records. 

Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from Capital one.
Product: Debt collection

Subject : Complaint Against XXXX XXXX XXXX, XXXX. for FDCPA Violations Dear Consumer Financial Protection Bureau, The Fair Debt Collection Practices Act ( FDCPA ), ( 15 USC 1692 et seq. ), which became effective XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The FDCPA also protects reputable debt collectors from unfair competition and encourages state action to protect consumers from abuses in debt collection.

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX. for violations of the FDCPA. I believe that this agency has engaged in abusive, deceptive, and unfair debt collection practices in my case. 

Specifically, the following violations have occurred : Harassment and Abuse : XXXX XXXX XXXX, XXXX. has harassed and abused me in the process of attempting to collect a debt. This is a clear violation of the FDCPA, which is designed to eliminate such practices. 

Failure to Send Initial Communication : XXXX XXXX XXXX, XXXX. failed to send me an initial communication before initiating a lawsuit against me in state court. This denied me the opportunity to validate the debt, which is a direct violation of 15 USC 1692g. According to the FDCPA : " 1692g ( d ) Legal pleadings : A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication. '' Lack of Signed Contract or Agreement : I do not have any signed contract or agreement with XXXX XXXX XXXX, XXXX. There is no documented proof that I owe any debt to this company. 

Failure to Provide Master Account Sales Agreement : XXXX XXXX XXXX, XXXX. has not provided any master account sales agreement between themselves and the original creditor, further casting doubt on the legitimacy of their claim. 


The actions of XXXX XXXX XXXX, XXXX. are not only in violation of the FDCPA but also cause undue stress and financial hardship. I am seeking your assistance in investigating this matter and taking appropriate action against the agency to prevent further abuse and to protect other consumers from similar experiences.

Please find enclosed copies of any relevant documents that may assist in your investigation. I appreciate your prompt attention to this serious matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has XXXX inquiries from XXXX XXXX on XX/XX/XXXX which is not authorized or dont to my knowledge. I did not apply for anything with XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX
Product: Debt collection

I started getting bills from XXXX XXXX saying I had a account I called them and told them that they were wrong my name was hacked I reported it made a police report called them back gave them the information and they still continue to send me bills
Product: Credit card

See complaint XXXX I formally request a copy of the XX/XX/year> letter supposedly sent to my current and only address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested this important letter and I have not received it. At this point I do not believe the letter was ever sent to me. In the CBNA response they do not deny the letter exists, however they did try to send me a summary ( smoke and mirrors ), to stop my continued request ; this is not good enough. I will not stop asking until I get a copy of the original letter, as I am entitled. 

I formally request a copy of the XX/XX/year> letter be attached to CBNAs response to this complaint. As well I request that a copy of my statement with the closing date of XX/XX/year>, be attached as well. 

At this point, I have no means of knowing month to month how much is debited from my account because CBNA refuses to send me a monthly billing statement ; list of what my interest is charged on this debt ; what my balance is each month. It is quite obvious that I am intentionally left in the dark about this account, as I will never know what is going to be debited and I am unable to file a Federal complaint and be able to justify my problem. I have never known corruption this vast.

I hereby waive any privacy concerns that may be listed in the documents and I request both documents be attached to CBNAs response to this complaint. It is quite obvious from the response to Complaint XXXX that CBNA will sell me any bill of goods to avoid my review of the full scope of the XX/XX/year> letter.
Product: Credit card or prepaid card

I applied for a XXXX credit card thru Wells Fargo in XX/XX/2023. They have been giving me the run around. On XX/XX/XXXX they disapproved my application because my credit report is frozen, then I asked XXXX to unfreeze my report, then WF wrote that I have too many accounts with balances which is absolutely wrong, I pay my one credit card balance in full every month and asked them not to use their algorithm. On XX/XX/XXXX, I asked and emailed corporate to do a manual check on my finances and not to use an algorithm. Someone from corporate called me on XX/XX/XXXX that they will refer my info to underwriting, then they informed later to call underwriting dept. myself. Talked to XXXX in underwriting on XX/XX/XXXX and explained to him that I am retired, live in a XXXX with investments in a couple of investment firms, credit unions and have pensions, dividends, RMDs and live off from my investments as I need it. Then their last letter on XX/XX/2023 was " Identity can't be verified ''. I mailed them a copy of my passport and driver 's license, my cable bill, my rent bill, lease agreements, letter from a financial investment company the value of my assets. 
I also happen to be a XXXX, XXXX and XXXX American.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX intentionally re-inserted 3 accounts onto my credit profile without sending proper 5 day notice which law requires advising me of such accounts replaced back on. This has caused lots of stress and denials for a loan. The 3 accounts are XXXX XXXX XXXXXXXX ( no account number that is strange ) XXXX XXXX, and XXXX XXXX.
Product: Credit card or prepaid card

I paid my payment of {$160.00} dollars and someone stole my checking account so payment didn't go threw so the next day I paid XXXX now they are saying because my credit they closed my account and that's cruel and unusual punishment then they lie and say because of my credit they closed account which this isn't a plausible reason I have been with citibank for for over 7 years same credit account always paid on time they are deliberately trying to destroy my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XX/XX/XXXXXXXX XXXX XXXX {$320.00} XX/XX/XXXX DDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRIES NOT RECOGNIZED XXXX - XX/XX/XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

American Honda Finance did not send billing information until after the loan was due. Contacted them 2 days prior to the bill being due on XX/XX/XXXX. They told me to all back on Monday XX/XX/XXXX and I had to scramble to get the payment sent as they accused me it was late.
Product: Student loan

My complaint is that Nelnet is providing incorrect information and there doesn't seem to be a way for me to get this issue resolved. 

I am owed a refund for my payments on my student loans. 

Below is the timeline of events. 

XX/XX/XXXX - I received an email from the Ombudsman 's office to let me know that a direct deposit would be made for my refunds. 

XX/XX/XXXX - I called the Bureau of Fiscal Services to check on the status of my refund they informed me that yes there was an order to direct deposit them but the bank sent the deposit back because I don't have that account. They advised me to call Nelnet to have them reissue the refund. 

I called Nelnet The loan servicer told me they issued the order on XX/XX/XXXX to send me my refund of {$1000.00} & {$3800.00} but that it wouldn't be direct deposit it would be checks and that I should just wait. It has been well over XXXX weeks and I have yet to receive my refund. 

Today ( XX/XX/XXXX ) I called the Bureau of Fiscal Services and once again the agent told me that Nelnet did try to do a direct deposit ( XX/XX/XXXX ) into an account that I don't have so the payment got returned from the bank and they ( Neltnet ) have yet to reissue the refund. 

Spoke to Nelnet today as well and they ONCE AGAIN told me that checks were mailed out on XX/XX/XXXX. I explained to them that the information they are providing is incorrect because no check has been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported by XXXX, Transunion, and XXXX, I have numerous old student loans that should have been removed from account going back to XXXX I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a few accounts that have been illegally re-aged on my credit file XXXX XXXX XXXX # XXXX this account is from 2012 and was listed as XXXX NOT to mention that this was PAID before it was even in collections. Not sure who is keeping records at XXXX but this a causing a serious issue while I am in the middle of closing on my business loan.
Product: Credit reporting or other personal consumer reports

I signed up for experian boost They charged XXXX XXXX  XXXX I cancelled whatever membership it was I never wanted that
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response to my previous complaint that the accounts listed on that complaint came back verified. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. FCRA states that information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. You have been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not deleted from my report. Please do not update or verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contracts and physical documentation to support the information that is being reported on my credit report via mail. Screenshots and statements will not suffice. Please send my actual signature on a contract as these accounts are not mine. I am in the process of planning a legal case, so I need specific answers to what was asked of you in this complaint.
Product: Checking or savings account

I have opened the account with Marcus saving account back in XXXX XXXX I have been depositing my saving money every month since I opened the account with no issues, however the problem started right on day when I tried to withdraw some money out of my account. 

Problem XXXX Unable to withdraw money : Very first time I tried to withdraw {$4000.00} and that when my transaction got reversed with no reason. Unable to withdraw money. After lot of calls and verification they cleared the transaction and I was able to withdraw {$1000.00} from my account. 

Problem XXXX - Account frozen. 
But immediately in couple of days, For no reason on XXXX fine day suddenly my account was frozen I was not able to login itself to my account. Can not see the account, no withdrawal nothing. 

Problem XXXX - Bank unable to authenticate me.

All my authentication personal details are correct and acceptable by bank but then every time at last bank executive ask me for my mobile number which is linked to the account which for some reason they are unable to verify. Note- they used to verify me successfully initially when I opened the account, I also received XXXX time codes also on my same number many times in past but suddenly since XX/XX/year> onwards bank says they can not authenticate me. STRANGE. 

Problem XXXX Not returning the money : After all frustration above I have told bank to close the account and transfer my funds to the account which is linked to the account but they refused that also and said we will mail the check to the mailing address linked to the account in XXXX weeks. For which also I was ok. But despite XXXX weeks today on XX/XX/year> I have still not received the check. 
When I call them to enquire the status again same old story that they can not authenticate my mobile number to give answer. 

I AM HELPLESS NOW, I am in need of money urgently but dont understand how do I take my own money back from the bank where I deposited with trust.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Unauthorized Information Reporting under 15 USC 1681 Dear XXXX, I am writing to dispute the accuracy of the information contained in my credit report provided by your agency. According to my review of the report, certain information has been furnished and disseminated without my written consent, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. 

I have never provided written consent for XXXX to furnish my personal information or obtain my credit information. As such, any reporting of my personal and credit information by your agency is unauthorized and violates my rights under the FCRA. 

I am formally requesting that you investigate this matter and remove any unauthorized information from my credit report immediately. Additionally, I request that you provide me with a written explanation of how and when my personal and credit information was obtained and furnished without my consent. 

Furthermore, I would like to exercise my rights under the FCRA to obtain a free copy of my credit report from your agency. Please provide me with the necessary information and instructions to obtain this report. 

I expect a prompt and thorough investigation into this matter and a timely resolution of the dispute. Failure to comply with the FCRA and address this issue satisfactorily will result in further legal action. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by law. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The following charges when charged to my bank account for a loan I did not request. 
XX/XX/XXXX {$150.00} XX/XX/XXXX {$140.00} XX/XX/XXXX credit of {$870.00} XX/XX/XXXX {$870.00} XX/XX/XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$870.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$110.00} XX/XX/XXXX credit of {$870.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00}