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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Company continues to call and state that I owe money but will not disclose to whom or for what. I do not have any outstanding debt.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX  Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and payment history is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Student loan

I am being garnished by a collection agency identified as Account Control Technology. XXXX, CA. XXXX. The above listed company failed to notify me regarding the intent to garnish my wages. As a result this garnishment has caused financial hardship leading to an intent to evict from my apartment and loss of medical benefits. I have a medical condition that could cost me loss of vision and have been greatly stressed over this financial hardship. The company has failed and refused to send me legal documentation regarding the nature of the loan. The company initially identified itself as part of an Obama program and in association with Federal loan servicing, after doing much research this company is not a part of either program. They did not identify themselves as a collection agency. I am facing the loss of my home and XXXX because the garnishment is causing a financial hardship. They keep trying to get me to agree to a verbal contract. I have requested written documentation and as of this date have not received any legal documentation from this company. I do not understand how anyone could expect me to agree to a phone contract when they have been deceptive in their approach and are refusing to send legal documentation. I realize that their only concern is to make a profit for themselves but this should not cause me to become homeless or loose my XXXX. My housing and XXXX are very important. I have been on the XXXX because I can not understand how a company could garnish wages to cause homelessness and XXXX. There are many options regarding students loans that could have been utilized had I been given the chance. Your consideration in this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

XXXX Account Name XXXX XXXX XXXX XXXX - XXXX  XXXX Experian Account Name - XXXX XXXX  XXXX XXXX XXXX XXXX Account Name - XXXX XXXX  XXXX XXXX - XXXX XXXX and XXXX are reporting the account status as derogatory while Experian is reporting the account status as paid. 

XXXX and Experian are reporting that the account was opened on XX/XX/XXXX while XXXX is reporting it being opened on XX/XX/XXXX. 

XXXX is reporting a high credit balance of {$33000.00} while XXXX and Experian are reporting {$35000.00}. 

XXXX is reporting a last report date of XX/XX/XXXX, Experian is reporting a last date report of XX/XX/XXXX, and XXXX is reporting a last report date of XX/XX/XXXX. 

XXXX is reporting a date of last payment as XX/XX/XXXX, XXXX is reporting a date of last payment as XX/XX/XXXX and Experian does not report the last payment date. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. XXXX is reporting last date of activity as XX/XX/XXXX, Experian is reporting the last date of activity as XX/XX/XXXX and XXXX is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section XXXX ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.
Product: Checking or savings account

On XX/XX/XXXX I put a deposit down on a new engine. After a little research, I realized that this was a fraudulent company. I called and canceled within an hour or two. I contacted my bank and let them know I did not want to buy anything from them, XXXX XXXX. My bank hung up on me. They paid XXXX XXXX  the {$1600.00} against my wishes on XX/XX/XXXX. I sent a letter to my bank, per the request. They, a few months later, gave me a refund. In XX/XX/XXXX, they took the money again. I had to send them another letter and they are saying they're findings are not in my favor. I never received my money back or any product they charged me {$1600.00} for. My bank is stealing from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a credit card payment to XXXX XXXX XXXX 

XXXX days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this XXXX year account, and it was my oldest account which I kept in good standing since XXXX. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for XXXX  years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

in accordance with the Fair Credit Reporting act 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX.financial loss, and I seek appropriate redress for these violations
Product: Credit card

I received emails about a new credit card opened at Capital One and a hard credit check on my credit report today. XX/XX/23
Product: Credit card or prepaid card

Referencing case number # XXXX, American Express reversed a {$300.00} cash back reward because I didn't keep the account open for one year. When I opened the account ( see uploaded screen shots ), the requirement to keep the account open was not mentioned. It merely states that I will receive the award after spending {$3000.00} in the first 6 months. American Express fails to tell their applicants this important information on the splash page which is misleading. A requirement such as this should be made very clear upfront, similar to the {$3000.00} purchase requirement. They don't mention the 1 year requirement upfront because they want to collect the annual fee. Had I known that I had to keep the card open for a year, I would never have closed it.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEAR ON MY EQUIFAX CREDIT REPORT. 

FTC ID THEFT REPORT # XXXX XXXX REPORT # XXXX ( HPD )
Product: Mortgage

XXXX I was still paying PMI after I paid my Mortage down. Bank knew why I was paying down the mortgage and screwed up their end and said it was my fault.
Product: Credit reporting

I am filing this complaint against Experian Credit Reporting Agency for failure to comply with the Federal Regulations. After realizing that my credit has been damaged by the city of XXXX, I went straight to the city to find out the problem. Being there, they asked for my Drivers ' License what I gave them, but they were unable to find any information related to me and they asked me to send a dispute to Experian and have them remove it. I already sent about XXXX disputes letters to Experian since XXXX 2016 with proof that those XXXX accounts do n't belong to me and experian failed to provide me with viable information that those accounts belong to me. I asked experian several times to remove those items from my credit report and each time the send me a response, it 's to tell me that those items have been verified. Realizing that eexperian is acting in bad faith just to protect his interest, i am taking a liberty to report this situation to the FTC to resolve this issue. I have suffered enough with this credit damage. I ca n't refinance my loan, ca n't do nothing with this credit damage. You 'll find attached a credit report with those items, a copy of my drivers license, a copy of my US passport and a copy of the letter from the city of XXXX, bearing the name used to damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 consent.
Product: Credit card or prepaid card

ON XX/XX/2020 I spoke to a Capital One representative regarding my account and my inability to pay the minimum amount due to COVID. I was told by the account representative that she was going to put me in a payment program of {$200.00} a month for the life of the balance. After paying the {$200.00} I was told I was past due. I reached aback out and was told that there was no program of the sort. I escalated the issue to senior management which took several months and several months of receiving late payments ( which they still have no fixed for my credit score ). I was told at that time that if the agent said that they would have to honor it. Well i was contacted by a manager and was told that I was correct and the agent did in fact say that ( they then waived all late fees ) but was told they still couldn't put me into a program even if it was one the agent told me. I called again today to see about the program and they gave me no options just that there is no program available and they wont honor the one the agent told me about. They are abusing their power and should be held liable for promises that there agents make that they do not honor, especially when it can be proven. I asked to speak to another senior supervisor regarding this and they wouldn't let me because " I already spoke to someone about this '' so not only will they not honor the program but they wont even communicate with me. The conversation was done by chat so it should be easy to pull up if they haven't altered it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - BALANCE {$14000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$6200.00} Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have had the Chase XXXX XXXX XXXX card for 6 years now. Every year they send constant emails stating " Earn up to XXXX bonus points per year - that's XXXX bonus points per friend who gets a XXXX XXXX Credit Card from XXXX! ". 

In XXXX, I referred XXXX friends to the card so I earned XXXX XXXX points. 

On XX/XX/XXXX, I received a XXXX from Chase for {$800.00} of XXXX. I called them to ask what this income was, they said it was from the XXXX points I received. I said that it was never made clear that these " reward '' points were taxable AND the points to $ ratio is completely unfair and invalid. 

Chase claims that XXXX XXXX XXXX {$1.00}, they set this rate not XXXX XXXX Called Marriott XXXX confirm that ). Most XXXX hotels are around XXXX points a night with generally converts to around {$350.00} - that would be XXXX points per {$1.00}. Now this rate is completely flexible, as to redeem the XXXX points, it's based on Marriotts decision of points per night based on the price - there is no set {$1.00} per XXXX points. 

So, because I received XXXX points from Chase ( not XXXX ), I am paying roughly {$170.00} in taxes. So essentially in my eyes, the XXXX points are worth closer to {$450.00} to {$500.00} ( dividing the XXXX points by the more realistic point value of XXXX points per {$1.00} ). So in the case that XXXX used an honest and realistic point to $ value, the " income '' would have been under the {$600.00} threshold that forces companies to report to XXXX IRS and I wouldn't be paying {$170.00} of taxes on this. 

Also, even XXXX XXXX states that XXXX bonvoy points are worth about {$0.00} each when redeemed for a stay. This would make the value {$640.00}, not {$800.00} like Chase claims, which sure would still call for a XXXX BUT XXXX proves XXXX XXXX that Chases {$1.00} per XXXX points claim that they are filing to the IRS is XXXX. 

My other major complaint is this is all the fine print of their emails on refferals reads in regards to taxable income ... .NOWHERE does it state that after XXXX referral, you will pay taxes, despite that they constantly email to say " you can refer up to XXXX friends per year '' The value of this offer or program may result in miscellaneous income received from Chase and we may be required to send you, and file with the IRS XXXX a Form XXXX ( Miscellaneous XXXX ) or Form XXXX ( Foreign Persons XXXX. Source Income Subject to XXXX ) for the year in which you participate and are awarded the benefits of the offer/program. You are responsible for any tax liability related to participating in the offer/program. Please consult your own tax advisor if you have any questions about how this could affect your taxes.
Product: Credit reporting or other personal consumer reports

I was checking my credit score this morning and saw that I got had an inquiry from Sallie Mae in XX/XX/year>, which I never got any type of loan from Sallie Mae in XXXX if 2023 and wanted to dispute this inquiry.
Product: Student loan

The website does not allow you to raise the monthly payment allowing for faster payoff. They only allow you to pay the minimum monthly payment and you must pay additional amount each month
Product: Prepaid card

On XXXX/XXXX/16 i went to an ATM with my prepaid serve AMEX card to withdraw {$20.00} out of my account the ATM did not dispense the money it said transaction error i tried again it gave me the same message i noticed that the money was taken out of my account so i put in a dispute right away with AMEX they refunded the money the next day after that on XXXX/XXXX/16 i received an email saying that they closed the account permanently and the remaining balance will be issued in a check by mail within 7-10 buisness days i have no access to my money i tried to resolve the issue with them but they have no answers when i call i spoke with supervisors they put me on hold and then hang up on me with no explanation as to why they closed the account
Product: Credit card or prepaid card

I have been trying for 2 months to have 2 fraudulent charges removed from my account. Both charges occurred on XX/XX/XXXX. Both charges were to the same vendor. Both charges were for {$1100.00} to a vendor called OMI ( total of {$2300.00} ) I have called the credit card company at least 15 times. I have faxed documentation and have had the documentation acknowledged as received. I have been told the charges will be removed. As of today the charges are still on my card
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Reported Addresses : XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts : XXXX XXXX XXXX {$2100.00} XXXX  XXXX - opened XX/XX/XXXX, {$590.00} Collections : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - {$1.00}, XXXX XXXX XXXX XXXX - opened XX/XX/XXXX - {$800.00} XXXX XXXX Bankruptcy - Discharged-XXXX  XXXX, XXXX. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I HAVE RECIEVED NUMEROUS NOTIFICATIONS ABOUT A PHONE ACCOUNT THAT IS NOT MINE. I HAVE CONTACTED XXXX WHICH WAS NOW XXXX XXXX XXXX THAT IS IN CHARGE OF THE DEBT COLLECTION. AFTER DISPUTING WITH XXXX XXXX XXXX THEY WERE NOT ABLE TO PROVE IT WAS MY ACCOUNT. I HAVE ASKED FOR CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. NONE OF MY REQUEST HAVE BEEN GRANTED EXCEPT THE FACT THAT I WAS SENT INVOICES THAT ONLY SHOWS MY NAME THAT IS INCORRECT, AND AN ADDRESS THAT SHOWS THE BILLS WERE BEING SENT TO THAT I HAVE NEVER LIVED AT IN MY LIFE. 
NOW THIS COMPANY FRONTLINE AS WITH ACCOUNT # XXXX IS TRYING TO DO THE SAME THING AS THE PREVIOUS TWO COLLECTION COMPANIES. 
AGAIN THIS ACCOUNT IS NOT MINE, IT WAS NOT OPEEND BY ME. AGAIN, SEND ME THE ORIGINAL CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. AGAIN, I WILL ATTACH MY IDENTITY THEFT REPORT. IF DOCUMENTS ARE NOT BEING PROVIDED, DELETE THE COLLECTION ACCOUNT FROM ALL CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX, XXXX, XXXX, which they stated was verified. 

I sent validation letter to original creditor American express. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.
Product: Money transfer, virtual currency, or money service

Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.