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

I obtained my TransUnion credit report online and noticed that U.S. Bankruptcy Court records are listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The U.S. Bankruptcy Court has provided me with documentation stating that they do NOT furnish any information to credit reporting agencies, nor do they validate and/or confirm public records. Credit reporting agencies and/or third-party providers collect and report this information independently. The U.S. Court system does not validate public record information due to the Fair Credit Reporting Acts privacy provisions.

My inquiry to the U.S. Bankruptcy Court confirmed that TransUnion has never validated or verified this public record entry on my credit report, nor will they ever be able to. The court also stated that it is not responsible for any incorrect or misused public records, as such information is often reported by third-party sources without consumer knowledge and, in many cases, inaccurately. Given this clear Fair Credit Reporting Act violation, I demand that all bankruptcy-related information currently showing under my Social Security number be PERMANENTLY DELETED from my credit report immediately.

TransUnion must provide me with copies of all documentation associated with this bankruptcy record, including either a court order authorizing this information to be placed on my credit report or my authorization bearing my signature. Until this validation is provided directly from the U.S. Bankruptcy Court - ON THEIR LETTERHEAD ( not from any third-parties ), all bankruptcy-related information must be immediately deleted from the credit file you maintain under my name and Social Security number to remain in compliance with FCRA laws and guidelines .

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verifythrough physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public record information you post on a consumers credit report. Otherwise, fraudulent and erroneous account information could be added by third parties.

Since Transunion refuses to comply with the law, I have no other option but to file a formal complaint against this unauthorized bankruptcy information listed on my credit report with the Federal Trade Commission and the Consumer Financial Protection Bureau.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against TransUnion. I will seek no less than {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau regulations
Product: Credit reporting or other personal consumer reports

Have sent XXXX letters dating back to XX/XX/23 requesting validation and ownership of debt. I have requested documentation that they should have in their documentation as they are reporting inaccurate information on my credit report. They have only provided statements which I never asked for statements. Then marked my credit report with comments stating it meets requirements of the fair credit reporting act but have not provided information to me for this comment to be valid. I requested evidence bearing my signature showing the account is being reported correctly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX AND XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX balance {$900.00} This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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. I am extremely upset with XXXX XXXX XXXX XXXX unfair practices. I contacted and updated my employmentinformation 2 and half months ago with them. Your system says it isstill pending. I called previously numerous times to check on status if it was update and still to no avail. I recently, once again called to check again for updatesand the agent told me that they do not have my job informationin the system. She took my job information and was advised that they will contact my employer to update the payment plan again. However, recentlyyou placed the balance of {$660.00} on my credit file in whichI never received any letter or call in regards to you reporting this on my file. This is unacceptable. I have done my part to ensure that you are up to date with my job and this is how you treat fathers. 

You can't treat law abiding father 's with this unfair practice. We have a voice. We matter so do the right thing. There should be a full investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had a computer glitch which caused inquiries to be deleted from my credit report and then later added back to my credit report without giving me the legally required notice 5 days prior to re-adding them. I contacted TransUnion in good-faith on XX/XX/XXXX and asked that they remove these inquiries. They did not remove them. These inquiries are a hardship and were illegally added again. My rights have been violated and I am being victimized by TransUnion. I am asking that you help me resolve this matter by requiring Transunion to remove all hard inquiries on my credit report from XXXX and XXXX.
Product: Debt collection

Jefferson Capital has placed this account on my credit file for no reason. I dont have any dealing with this company. I will be filing a lawsuit against this fraudulent company and having them investigated. I never received any type of communication and they just placed this account on my credit file. I am requesting proof of ownership of this account within 10 days and if this account is not remove I will file a lawsuit. My demand is to have this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint for timeshare company XXXX XXXX. I've already requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021 & XX/XX/2021 but have not received any responses. We spoke with their employees but unfortunately I don't have the names of all the people we dealt with. They were introduced as owners themselves & claimed to not work on commission. They told us we're making good financial investment, as we would earn money from this as well. The biggest push they made during the pitch was promising us rental income. That we can make money from this timeshare by selling our points, make money to pay this off. They also mentioned that at some point, we will never have to pay maintenance fees again. They also promised us things would be positively different each time things got worse. They offered us gifts such as cruise, XXXX XXXX  that we were never able to use because it was never available, we simply can't use them. We were told that it has some tax benefits similar to owning a second home. There were instances they said they needed " corporate '' approval in order to give us the price being offered like they're giving us a special offer. We felt pressured when they told us it's our last chance at the lowest price. They have our IDs during this process. They had us opened a credit card, we were not made aware of the fees. Everything felt rushed, they didn't even allowed us or give us time to read the contract. They applied a lot of pressure & hateful when told no. We were never properly informed how to cancel, we were told if we wanted to sell, they will just buy it back & gave us a realtor number. I did actually ended up issuinmg a complaint on them saying they would buy back, but never got a resolution. At our age, we already have a couple of medical conditions and having this timeshare doesn't make it easier for us. It just gave us financial difficulties. They told us we could re-finance this as a home mortgage & rate cheap & not have to pay this high payments but it was not the case, we tried but it was considered as personal loan. It's a struggle trying to work all the time to pay this, need to work non-stop to make sure we don't fall behind. We even lose sleep over the stress of the timeshare, about bills and worrying how we'll be able to keep up with this payments. We had the worst experience with this timeshare, all the lies, they promise you things that are not true and you're left with high payments & fees on things you are never able to use. Plus they sign you up for an interest rate you nave can pay & tell you, you only have to pay one month then you can refinance at a bank as a mortgage & it will drop your interest rate ( which was not true at all ) so you can afford it. Also, they told us that owning this will help build our credit which was another one of their lies, not true. We were taken advantage of, & we were simply defrauded & lied to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I've lost XXXX in application fees for a denial
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AMERICAN EXPRESS Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

capital one is now chargin late fees, interest, and its all because they " '' assumed '' '' there was fraud activity on this account after a purchase was made by cardholder, we have sent everything they wanted and because the bank does not verify their clients accounts over the phone capital one still refuses to accept all the information that was sent to them more than once. a full payment was made to this account on XX/XX/XXXX bank can verify that. capital refused payment due to their " '' assumptions '' '' of fraud activity, as of today XX/XX/XXXX XXXX XXXX has added late fees, interest, and is reporting late payments to credit bureaus. the balance of XXXX was attempted to be paid like I said on XX/XX/XXXX. and the bank can and will verify this in writing. capital one needs to be investigated themselves, asking for a customers full bankin  account information is personal and private, but they demanded they have it to prove identity so it was sent to them, also many many many messages were left for XXXX XXXX to return the call which to this date still never has. theres also proof of multiple messages left for XXXX XXXX. now cfpb closed our last complaint without resolving the issue, you said your on our side on your website but its lookin as if your on the creditors side. please resolve this issue, please. how many times will I have to keep filing complaints before this gets resolved
Product: Credit card

I had establish auto pay for my credit cards at Bank of Amrica However, I noticed using XXXX  XXXX  that I was late on a credit card ending in XXXX and was charged late fees and interest. I signed into my account using their app and immediately paid the the total amount on that card. I then called their customer service and was told that the auto pay was cancelled due to no activity for several months. This action was never conveyed to me prior to this conversation. I never received notice a payment was due since I was on paperless statements and was not worried about payments since I had auto pay enforced. I then asked for the account to be closed since I felt cancelling auto pay without notice was an unfair consumer practice. Since, I was never notified about the cancellation, I asked that the late fees and interest be reversed. They replied, NO. When they closed my accounts they reported the credit reporting bureaus the closer as closed by credit grantor instead of closed by consumer As a result of their unfair action, my .credit score dropped from the low XXXX XXXX to around XXXX. 
I am a XXXX XXXX XXXX retired person rely on Banks to provide information prior to taking unfair action like cancelling auto pay.
Product: Credit reporting or other personal consumer reports

in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose. 
adequate time was give from XX/XX/XXXX to XX/XX/XXXX when i sent letters ask for details of their investigation. i still have not received any such documents
Product: Debt collection

Fair collection and out, reported to my credit report, I do not have a contract with this third-party debt collector. The company can not produce a contract between Fair Collection and Out and I ( sent cease/desist ) ; Fair Collection and Out can purchase my debt, but not my personal information ; this id a infringement of my rights to privacy ; If the debt was sold, I have a right to know how much it was sold for, the commission amt. If the debt was fulfilled ; if insurance covered the debt ( premium/collateral ). Violates 15 usc 1692 ( e ) ( 11 ), 15 usc 1681 thus, if a bad debt was furnished to any consumer credit reporting agency, my reputation is in fact ruined ; oppression/hardship is real.
Product: Debt collection

Hello, I am in concern with discover XXXX they have been taking money from unknown accounts of my relatives to my parents to put it in their accounts when I had paid them fraudulent charges along with debit owed. Ex ; XXXX had used the card ending XXXX and widthrew about 5k from my account caused XXXX  and XXXX XXXX XXXX to seize my accounts and now still charged my accounts when the debits are cleared and this is the last time I am ever going to conduct bussiness with them because they had added state of California account to my account and had made payments when my account is at freeze mood. I wanted to know what kind of collection is that and then they send employees and people by paying them who are living as of now in XXXX and XXXX XXXX   who has interests in it and want me to not pursue it because a lot bunch of filthy secrets will be unveiled. I leave this to CFPB to assist or not but following is my demands and need to be met in 14 days.
Product: Credit card or prepaid card

( BestBuy ) Citi Bank Visa has a scam going on. The Best Buy store will offer you 12 months interest free financing if you make a purchase for {$1000.00} or over. On XX/XX/XXXX ( XX/XX/XXXX ) I made a purchase of {$1100.00} and change. I already had a 'revolving ' balance. In XX/XX/XXXX, I made a payment over the phone. I wanted {$400.00} to go towards my 'revolving ' balance, and {$100.00} to go towards my 'Interest Free ' balance but they did just the opposite. I first made a payment on XX/XX/XXXX, with XXXX. Then I spoke to XXXX  on the XXXX, and she was going to make the correction but she didn't. Finally, I spoke to XXXX  in the Executive office to fix it. The next payment of {$500.00} on XX/XX/XXXX ( the due date of my payments ) was also not allocated correctly, and I had to have that corrected.

Today, XX/XX/XXXX, I went to my bank, XXXX XXXX XXXX, and I wanted to have my ( Best Buy ) Citibank Visa 'Revolving ' balance of {$1400.00} transferred to my XXXX XXXX XXXX , or have my XXXX XXXX XXXX pay the {$1400.00} to ( Best Buy ) CitiBank Visa . I was told that when ( Best Buy ) CitiBank Visa receives the money, they can allocate it however they want to. If this happens, the ( Best Buy ) CitiBank Visa is misleading me, and misleading the public by offering interest free payments, when they are not actually interest free.

This is a scam for CitiBank to make more money. Basically, they are NOT offering Interest Free financing because they are allocating the money in such a way that they can earn more interest.

Today,XX/XX/XXXX, I spoke to XXXX  at XXXX XXXX, who told me, issues the credit cards. I was told that the transaction would take up to 14 business days, and that I would get a confirmation in 10 business days.

My payment due date is the XXXX of the month. I am never late. If the transaction is not completed before my payment due date, and I pay my usual {$500.00}, this will throw my payments off, and I will be charged another interest fee of {$42.00}.

XXXX, in the Executive office of Citibank, said he could not help me but neither can the usual customer service person at ( Best Buy ) CitiBank Visa. They can't get it right, or, they are told NOT to get it right. They are ripping people off.

I would like to pay off my charges in the way that I would like to but they refuse to let me do that. If this is not taken care of the way it is supposed to, I will default on my payments. They are screwing me. After all the payments are made, I will cut up this card as I do not like the way they do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yourrecords  show that account number XXXX has a balance of {$8000.00}, this account is fraudulent charged and I am requesting you to remove this from my credit file, I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file immediately
Product: Checking or savings account

On XXXX, I went into my local Navy Federal Branch XXXX XXXX XXXX and requested to be removed as Joint Owner from a joint account. I was told I needed to complete a form ( see attached ) and was removed. 

Later, I was placed back on the account as XXXX owner. I was told I could remove myself as joint owner of the account. And when I was placed back on the account, I was not informed. 

Also, I want to report an incident in which my account access was blocked a week ago simply because I had logged into my navy account from my personal computer. This is what I was told. I did not know I did not have account access until I tried to access the account. This is reprehensible service that I have been receiving from Navy Federal. They either block me or reverse an action and do not notify me of the action and this has become a pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was away for five months and this delusional woman robbed my grandfather 's house stole my clothes and papers and seems to think she can just steal a life. This XXXX XXXX XXXX woman has a prior in stealing peoples identity but she clearly doesn't know me or my family. I know I may have some issues but sorry I will be my NATURAL born name from birth til death. Sorry evil criminals don't win over here. I will use the law for justice. XXXX XXXX how about you use your real name?
Product: Vehicle loan or lease

Purchased a car from XXXX XXXX on XX/XX/XXXX. Loan was offered/financed through XXXX XXXX XXXX I checked daily to see if my new loan information was available so I could pay off the loan. Took an unusual amount of time for the loan to be available for view on XXXX XXXX. I phoned the dealer and XXXX XXXX XXXX stated nothing from dealer yet, dealer stated they submitted info and to contact XXXX XXXX. After many more days, almost XXXX weeks since the loan was originated, a XXXX XXXX XXXX called the dealer and the dealer verified there was a delay. Stated the delay was on the side of XXXX XXXX but they corrected it. Waited a few more days and then the loan was available for view. That was today, XX/XX/XXXX, for a loan that was originated on XX/XX/XXXX. I followed the steps to create my account, logged in, and requested a payoff. XXXX is charging me interest from the date of origination which is acceptable. What is not acceptable is XXXX charging me interest until now because they had internal delays in booking the loan on their system. I phoned XXXX, spoke with XXXX reps, was told there was nothing they could do, asked for a supervisor, was told XXXX was not available, was told one would call me back. The loan was originated on XX/XX/XXXX and should have, at the very latest, been available for payoff the following week. Because of XXXX internal processes, they are telling me that a payoff was not available until today. This is a predatory lending practicecharging consumers too much interest by not allowing them an opportunity to payoff the loan until XXXX decides its available. XXXX was originated on XX/XX/XXXX and I was not able to request a payoff until today XX/XX/XXXX because of internal process of XXXX XXXX. I am being charged too many days of interest and this is because of the internal practices of XXXX XXXX.