23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

There are few unauthorized charges on my account and couple transactions with other issues. I have been trying to use Amex website to solve the disputes but most of the time it just does not successfully get the information through. Following transactions on my American Express XXXX XXXX have issues and should be disputed and credited to my account : ( XX/XX/XXXX ; XXXX & XXXX XXXX XXXX ; {$1500.00} ; Unauthorized transaction. The generic documentation provided by Amex not showing anything useful about what the charge is for. I have not received anything from XXXX & XXXX XXXX XXXX. ), ( XX/XX/XXXX ; XXXX XXXX XXXX  ; {$170.00} ; Unauthorized transaction. The generic documentation provided by Amex not showing anything useful about what the charge is for. I have not received anything from XXXX. ), ( XX/XX/XXXX ; XXXX XXXX XXXX  ; {$560.00} ; Unauthorized transaction. ), ( XXXX XXXX ; XXXX XXXX MD ; {$73.00} ; Order never received. ), ( XXXX XXXX ; XXXX ; {$600.00} ; Merchant not accepting a return within return period )
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX - XXXX - {$79.00} XXXX XXXX XXXX - {$3300.00} XXXX - XXXX - {$3400.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Debt collection

I received a garnishment on my checking account from United Collection Bureau XXXX. The amount is for {$6400.00}. I have been trying to call them for several days and have spent hours listening to music. I don't know what the garnishment is about. i just know there is a hold on my checking account for this amount. I need help.
Product: Debt collection

The company is Regional Finance.I paid my debt in full on XX/XX/21. I had to wait 10 business days before a written letter from this company would email and/or mail out to me a letter that this account is satisfied. I have called twice and it is repeated to me, " its in the mail ''. Please assist with me obtaining this letter. This loan is paid in full. I would like to submit the letter to the three credit bureaus. Thank you
Product: Credit card

XX/XX/XXXX I received emails from XXXX thanking me for my purchase Two charges were on my TD XXXX XXXX card for {$200.00} and XXXX. The charges were made online. I disputed the charges with the bank and reversed the charges. The charges were placed back on my account on XX/XX/XXXX. I called the bank requesting to know why I was recharged. The bank informed me that the claim had been denied due to my approving the charges. I did not approve these charges. I have never had an account with XXXX. I never purchased anything online or in-store. I contacted XXXX and was advised that the online order was picked up at a XXXX XXXX, FL store and my email was used. I have called the bank several times. Each time the Dispute and Claims Department would send me a letter of review determining fraud did not occur stating I authorized the purchase. I did not authorize the purchase. I filed a report on XXXX.
Product: Credit card or prepaid card

I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$2100.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX, TransUnion, and XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These credit reporting agencies have consistently reported inaccurate information on my credit profile, including erroneous late payments, incorrect account statuses, and inaccurate balances. Despite my numerous attempts to rectify these issues, the inaccuracies persist, and my requests for correction and updates have been ignored.

The violations are as follows : 1. Inaccurate Reporting : My credit reports contain numerous errors, including but not limited to : * Incorrect late payment reports. 
* Inconsistent account statuses. 
* Discrepancies in account balances. 
* Failure to update my address despite multiple requests. 
* Multiple variations of my name, whereas I have specified the correct spelling.

2. Violation of Consumer Rights : As stipulated under 15 USC 1681, there is an imperative need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. My right to have accurate and consistent information reported by all three credit bureaus has been blatantly disregarded. 
3. Lack of Response and Rectification : Despite my formal complaints and requests for corrections, the credit reporting agencies have failed to update my profile accordingly. I have explicitly requested that all communications regarding the updates be provided to me in writing, yet I have received no such communication. 
I am deeply concerned about the impact of these inaccuracies on my financial health and the potential repercussions on my ability to access credit. It is both unfair and unlawful for these credit reporting agencies to neglect their duties, causing undue harm to consumers like myself. 
I am urgently requesting the CFPB 's immediate intervention to : 1. Investigate XXXX, TransUnion, and XXXX for their non-compliance with the FCRA, ECOA, Privacy Act of 1974, and GLBA.

2. Ensure that all inaccurate information on my credit reports is corrected promptly.

3. Mandate that the credit reporting agencies provide written confirmation of these corrections.

4. Hold these agencies accountable for their negligence and disregard for consumer rights. 
I am counting on the CFPB to uphold its mandate to protect consumers and ensure that these agencies adhere to the laws designed to safeguard our rights and financial well-being. Your prompt attention and action in this matter are crucial and highly appreciated. 
Thank you for your immediate assistance.
Product: Checking or savings account

XX/XX/2022 Notified Ally Bank that I wanted to transfer my IRA Acct to XXXXXXXX XXXX. 
XX/XX/XXXX, I was told by customer service that I would need to file an application to participate. I did that and uploaded it to my Ally Bank Customer Service. Note : This account has been at Ally Bank for 10 years. Acct ending in XXXX. 
I thought that didn't sound right so I told them I would do a bank to bank transfer. I submitted the paperwork to XXXXXXXX XXXX where I want my account transferred. 
I called Ally bank customer service several times with hold times of about an hour to talk to a representative. The associates were always courteous and tried to be helpful but they clearly have no control over Ally Bank 's corporate delay tactics. 
On XX/XX/2022 was told that XXXX XXXX didn't sign bank transfer request form. I contacted XXXXXXXX XXXX and they said they checked the it had been signed but would resend it. 
XX/XX/XXXX, Ally Bank received the second transfer request from XXXX XXXX 
However they couldn't find the the application to participate again. This time I sent it XXXX overnight so I would have documentation since it had become clear to me that Ally Bank was just delaying and their word is not to be trusted at Executive Customer Relations. 
On XXXX XXXX, 2022 they finally closed my account and deducted an early IRA CD withdrawal penalty fee of {$270.00} which I agree was correct. 
On XX/XX/XXXX, I was told the check to XXXXXXXX XXXX is in the mail. It is now XX/XX/2022 and the XXXXXXXX XXXX has not received the check. 
Please help me to expose Ally Bank. I am XXXX XXXX XXXX, I lost XXXX of my siblings in the past 20 months and I really don't need this additional stress. Elder Abuser?? They have my entire retirement savings out there somewhere. 80 days and counting. A major Bank clearly just delaying sending an old man his money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiries are listed on my Experian, XXXX and XXXX XXXX credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX DC, XXXX XXXX   XXXX  XXXXXXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft, please see documents attached
Product: Vehicle loan or lease

This is a counter response to Credit Acceptance Corp made onXX/XX/XXXX Complaint ID XXXX  1 ) Credit Acceptance was aware of issues with car based on XX/XX/XXXX email from dealer, XX/XX/XXXX and XX/XX/XXXX diagnostic done by XXXX and finally a denial from warranty company.

2 ) Failed to disclose car was for rental use while discussing XXXX XXXX  ran XXXX but left detail of rental use history. Is why I believe possible salvaged title.

3 ) Refused to acknowledge car sold way above market value and why only bank that would approve such a price. Terms were can only use Credit Acceptance with that dealer.

4 ) Dearler owned dates, sold to me dates and prior history owners not reflective on Title.

XXXX XXXX ran not provided only verbal.

All of XX/XX/XXXX my complaint was ignored despite several emails requesting complaint status. Only thing told was they are trying to get dealer to pay for repair cost. Was asked to provide car Diagnostics only a few days ago not giving me time to send. Instead stating I wouldn't send them. They are aware that I only have a few hours between work and that I would provide. Again only asked 4 days ago gave me 4 business days to send on an investigation that began XX/XX/XXXX.

Credit Acceptance is falsely putting words in my mouth omitting an email onXX/XX/XXXX to dealer and dealers response ( They have had since XX/XX/XXXX ) which clearly shows I had no knowledge of issues with car other than what was described by dealer as wind roof rack noise.. wasn't until after sale and driving on the highway was it apparent something is seriously wrong.

And it was!! Wheel Bearings. Wheel bearing noises are mostly heard when driving car at high speeds not the 35 MPH test drive speed.

Email from dealer, XXXX   Diagnostics all sent via email to Credit Acceptance Corp and despite all of that wants to blame me.

Credit Acceptance Corp also attempted to convince me that a wheel Hub bearing and Hub Assembly is Normal wear and tear??? Should last the life of the car per XXXX. Is another reason I strongly feel their is more history to car not being disclosed and possibly salvaged.

Warranty controled solely by Credit Acceptance and I have no rights to a denial, appeal or even cancelation of such a bogus warranty.

I filed directly with FTC requesting to pick up complaint.

All knew they sold me an Unsafe, overpriced vehicle with a interest rate not allowed in Michigan?????? Or Is it Florida???

Company has implied they are investigating in actuality they are only passing the buck.

Attached Diagnostic of wheel Bearing failure XX/XX/XXXX from XXXX with Mileage well below the 1513 miles Credit Acceptance stated I drove before discovering.

Clearly was discovered the evening of sale and on XX/XX/XXXX.

Attached is the additional diagnostic done on XX/XX/XXXX, email to and from dealer, copy of warranty contract with no pre exsisting clause implied, picture of car still for sale by dealer on carguns website and that was way above value,
Product: Money transfer, virtual currency, or money service

On XX/XX/2025, I set up a Wise Account to transfer XXXX internationally from my XXXX XXXX  account to an account in XXXX XXXX The money was taken ou of my account the same day. I have the receipt where I see the money as being funded on XX/XX/XXXX and available for fund as of XX/XX/XXXX to the recipient account. It is shown as successfully transferred. However, the recipient has not received the money neither his bank. He contacted the bank multiple times and they are no aware of such transaction. When I checked the receipt, I realized that last XXXX digits of the iban number were missing. I believe this might be a reason why the money was never received by the bank but I am sure I put the full Iban number correctly. Then I contacted with the Wise team 3 times over the past two weeks to ask about the status of the money and told them they may have missing Iban number. They did not take any action since then and they said they have no idea why the money is not received. They said I need to wait many days for them to escalate the issue although it has been more than two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint AWA continues to claim that I have an account with XXXX that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing inaccurate info on my credit report an I ask credit bureaus to delete any inaccurate info on my report an it was not legally deleted instead after each dispute my reports came back as verified and accurate. I want to know how could the be when the accounts I am referring to are charged off accounts that is reporting a balance, that a clear violation of the FCRA. I also sent an FTC report to prove the account wasn't mine an yet the three bureaus still state that the account are accurate but still reporting inaccurate info to my reports. 


Company or Organization : XXXX XXXX Account Number : XXXX amount- {$270.00} Company or Organization : XXXX XXXX Account Number : XXXX amount- {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went over my credit report and there is a account from XXXX XXXX that I do not recognize
Product: Checking or savings account

Complaint Submission to Consumer Financial Protection Bureau Account Information : Routing Number : XXXX Account Ending In : XXXX ( new account ) Account Ending In : XXXX ( existing account ) Account Holder : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Issue Description : I am submitting this complaint to express my frustration and disappointment with the customer service I have received from US Bank. Despite numerous attempts, I have been unable to speak with a manager to discuss my concerns. 

On XX/XX/year>, I noticed fraudulent activity on my account and contacted US Bank to report the issue. The bank opened an investigation, closed my main account, and opened a new checking account. However, when I attempted to deposit a check into the new account, a 10-day hold was placed on the check without explanation. 

As a result of the bank 's actions, I have incurred over {$150.00} in NSF fees. I believe it is unfair and potentially fraudulent for the bank to charge me these fees, given that the bank 's own actions caused the NSF fees to occur. 

I have made multiple phone calls and visited a local branch, but I have been unable to get a clear explanation for the hold or resolve the issue. In fact, when I asked many times to speak with a manager, I was told that the manager would not take my call.

Resolution Requested : I request that the CFPB assist me in resolving this issue by : 1. Investigating US Bank 's customer service practices and their handling of my account.

2. Requiring US Bank to provide a clear explanation for the hold on my check and to release the funds.

3. Ensuring that US Bank provides me with a direct line to a manager or supervisor who can assist me in resolving this issue. 
XXXX. Reversing all NSF fees incurred on my existing checking account ( ending in XXXX or any other account ) since XX/XX/year>. 
XXXX. Reversing any and all fees incurred on my closed main account since its closure on XX/XX/year>. 

Additional Comments : I am extremely dissatisfied with the lack of transparency and accountability I have experienced with US Bank. As a customer, I expect to be able to speak with a manager when I have concerns about my account. I believe that the bank 's actions have caused me significant financial harm, and I request that the CFPB take immediate action to address this issue. 

Thank you for your attention to this matter. 

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

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 
Remove all requested information and to restore my credit score.
Product: Debt collection

Please pull the following back logs from compliant. As of XX/XX/XXXX. Law Offices of Jennifer Mccoy had a servicer come to my home to serve me a court date after making attempts online to pay the portion of the debt that was owed and not provided me full details over the Original Creditor and not identifying themselves as first/third party with XXXX. I submitted over a recording of the interaction with XXXX XXXX with Rebel as the Debt Controller. I have asked multiple times for a wet signature along with the break down of the charges from a paragraph that doesn't show what the service charge is for along with products that have been charge. I have a post card as well from certified mail where there is a sense of Urgency that I will provide in Court that has been set for XX/XX/XXXX. Also, XXXX XXXX has allowed a legal fee charge this more than almost 30 percent of the original bill that I believe could be an arbitrary legal fee charge. The other complaint numbers are as follow : XXXX on XX/XX/XXXXXXXX  and another compliant with recording attached with XXXX  at XXXX XXXX with complaint XXXX XX/XX/XXXX. All this is unfair/deceptive and shouldn't of been taken an action as I have tried multiple times to work with all parties as long as they follow guidelines and FDCPA regulations.
Product: Credit reporting or other personal consumer reports

I obtained my credit report and noticed several inaccuracies. I never consented to these inquiry pulls and its affecting my credit and ability to obtain credit.
Product: Checking or savings account

I am XXXX XXXX I have been with Capital One for about 4-5 years and my account is being held because I was approved for a loan and as a customer I should have access to my funds and the daughter account is now being held as well. What I do not understand if the government ask for these type of documents you provide it to them and the money was disbursed in your account why is or should I say the bank feel the need to hold someone funds if they were approved for them. So the bank has the right to hold funds because of what and why and how please explain that to me. If your supporting documents were approved from SBA why do the bank feel the need to hold your funds it is not right. They are asking for all these documents like they are the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full for XXXX XXXX XXXXXXXX, XXXX, but still the amount is showing as unpaid or derogatory/open I am from XXXX working as a XXXX staying with my family here, i asked the paid in full letter to XXXX XXXX XXXXXXXX, XXXX, they said they will not provide, then i asked to XXXX XXXX XXXX property manager and he sent me a letter. 

please find the attached file and remove XXXX XXXX XXXX, XXXX collections from my credit report. 

i lost my current job and need to vacate current apartment by this month XXXX XXXX, i have to find an apartment before that, so please kindly update my credit reports, having collections on my credit report we are facing extreme hardship, I don't have enough money to feed my family but i am paying these collections,, please understand my situation. 

please helpme
Product: Debt collection

Debt was paid in full but not reflecting on my credit report as paid. Its still saying I owe Fed loan money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2010 with a balance of {$4500.00}.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 and XX/XX/2024 my identity was stolen and my credit was ran both time by XXXX  XXXX XXXX without my authorization despite me having a fraud alert on Experian, XXXX and XXXX XXXX. This was an unauthorized credit application request and I want the inquiries removed from my credit immediately. I have a fraud alert and this inquiries should have never went through without contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Banking with Wells Fargo and I pay The company they told me it would be off in 30 days but it still on my credit