23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX at XXXX I was woke up by a XXXX man claiming to be a Police Officer. He asked if I was XXXX. I told him yes. He then wanted to know if I knew a XXXX or XXXX. I told him I did not. He then said that XXXX or XXXX had my name in his address book and it was important ( leading me to believe the man may be hurt or dead ). I repeated that I did not know him. He then asked if I lived at XXXX? I told him that I did. He thanked me and hung up. I thought it was highly suspicious and as I do n't live in the nicest area of town became frightened he was maybe looking to break in. I then called the number back and call went to his voicemail. I left my name and number for him to please call me back. I waited and phone rang at XXXX XX/XX/XXXX. He had " XXXX dialed '' me by mistake. I listened as he another man had long unintelligible conversation for XXXX minutes when he must have figured out his phone was in use and hung up. At XXXX I tried the number again and got a different man that answered. I asked if he was a Police Officer, he told me " yes ''. I asked him his name and he said a name I could n't understand, I then asked him what city he worked for, and he became flustered and I finally just asked if he worked for XXXX County and he said yes. I asked his badge number and he rattled off several numbers that were said so fast I could n't write them down. I knew they were scamming me for some reason. I was very scared so I stayed up listening for any little thing. Around XXXX, I heard a noise at my front door. I crept to the door and looked through the peep hole and saw nothing. I sat back down and about XXXX minutes later heard a " rustling '' sound at the door. I crept back to the door and saw no one there. I then decided to open my door and look around. I then found papers from XXXX Assignee of Synchrony Bank / XXXX laying at my feet outside my door. The stack of papers had been taped to the door but the tape came away from the door because of the dust. On the top right corner of the papers are handwritten : posted XX/XX/2017, XXXX, and initialed XXXX. They were not there on XX/XX/2017 at XXXX. They were posted after the phone call from the so-called police. I am attaching my phone bill showing who called and from what number. There were two different men involved.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was infact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year> I'm now requesting investigate this account and update these payments to paid on time immediately. Thank You for understanding and prompt action.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Account # : US Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To TransUnion Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  XXXX This creditor states I was Late on Dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX This creditor states I was Late on Dates : Late Dates : XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX THIS INQUIRY IS NOT PERMISSIBLE
Product: Checking or savings account

I deposited several checks from XXXX XXXX, issued by XXXX  Bank ( now Flag star bank ), into my checking account with XXXX XXXX, on XX/XX/2023. The total amount is {$22000.00}. 

XXXX froze the account and then closed it. Their Fraud department concluded it was fraudulent deposits. In a CFPB reply letter from XX/XX/XXXX, they said they received a request to return the deposited items from Flagstar Bank, request sent on XX/XX/2023. 

As of today, I still haven't received my money from Flagstar Bank, nor they are giving me any insights in the process of returning the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit builder account that is a prepaid card. I have to place money on the account before I can spend said money. The money I place is supposed to act as my credit limit and I am unable to spend more then I have placed. XXXX reported in XX/XX/2021 to transunion that I owe {$180.00} which is impossible due to the fact that if I try to spend more than I have already paid it will decline. After disputing with them and the credit bureau several times I moved all of the money I had left on the card to my other account with them and have not used this card since. They say they report monthly but never updated in XXXX and are still telling me the balance showing on my credit report is correct even though I have been at XXXX since the beginning of XXXX. Due to how they are reporting this, it is negatively affecting my credit score despite the fact that they advertise their card will increase your score exponentially. I would like my credit report updated to reflect the correct balance of XXXX and their practices reviewed for how they report PREPAID cards.
Product: Credit reporting or other personal consumer reports

I have recently identified an issue with my credit report that indicates a XXXX late payment from XXXX XXXX  XXXX However, after speaking with a supervisor on the phone at XXXX XXXX  on XX/XX/2023, I was informed that XXXX XXXX  only reports XXXX late payments and not XXXX late. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and told me that this incorrect information will be rectified and removed from my credit report. To substantiate this, the bank will be sending me my statements from XXXX, XXXX, and XXXX of 2023, which will illustrate my prompt payment history. I kindly request that this erroneous information be removed or updated from my credit report and updated accurately at the earliest.
Product: Debt collection

Collector today, the XXXX of XXXX, called and left a message at my job. I called at XXXX the same day and advised XXXX , @ XXXX x XXXX to never call me again or my job again. She threatened to keep calling until the debt is paid of {$460.00} then disconnected the call. I left her message with the same instructions when I called back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and stage stream keep reporting inaccurate item on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX  XXXX XXXX XXXX and TransUnion They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted XXXX first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX and had he same issues with them. I was unable to get in touch with a person. Next, I contacted TransUnion, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.
Product: Payday loan, title loan, personal loan, or advance loan

Greensky Loan Company discontinued its " Medical Loan '' division. In thus doing so, all customers/clients who had a medical loan through Greensky had their online portals shut down. With no access to see monthly statements, I have been making payments to Greensky through XXXX XXXX XXXX just assuming they were getting applied to my account. For the last year, a " late fee '' has been applied to my " monthly minimum '' amount due and not the total balance. I called Greensky the first time I got a " late fee notice '' sent to email, and the customer service rep said, " Oh yeah, we have it- it just hasn't been applied to your account yet. You can just ignore that email ; you're all set. '' Every month, I would receive this email, but I was told to ignore it ; even when I would call, no one could access my account anyway. 

Low and behold, the automatic payments I had set through my own bank ( because Greensky 's banking system would not accept my bank account information like the routing and account number ) did not match the minimum monthly amount I had agreed upon ( because these late fees were being added to my " minimum balance '' and not my " total balance '' ) which means my minimum balance was increased every month without my knowledge and would incur more late fees every month after. 

After calling multiple times every month for 3 months, I was finally able to speak to someone who could access my account. I was told the late fees would be removed but that I would not be able to access my online portal... ever. Instead, I had to sign up for paper statements, update my mailing address, receive my monthly statements in the mail, and then call every month to confirm the correct balance and schedule a payment over the phone. 

After making a payment to Greensky for the month of XXXX, I was told because I didn't meet the " minimum balance '' of {$700.00} ( when it used to only be {$160.00} ), I was marked as " late again '', thus incurring a late fee. However, this time by checking my credit score, Greensky has marked me as a " failed to make payment '' for the last XXXX months, which has dropped my credit score from a XXXX to a XXXX. 

Every single time I call, no one can access my account ; I ask to speak to a manager, and the customer service reps just tell me to " call back next week '' or " someone will call you back, '' and they never do. After two weeks of escalating this serious issue to managers, I have been promised and told that this will be fixed but I still have no results or confirmation of anything. No email, no statements, no written documentation because they will not provide me any documentation or access to my account.
Product: Credit card or prepaid card

My XX/XX/XXXX statement from Barclaycard Visa had a balance of {$770.00}. The full payment to pay off the account was mailed in before the due date however the payment didn't post until two days after the due date. I flew to XXXX XXXX on XX/XX/XXXX and was out of the country for 2 weeks and my put the payment in the mail then. On my XX/XX/XXXX statement it shows i was billed a late fee of {$27.00} and a finance charge of {$11.00}. I called in to request the fees to be removed and was told it would be. then on my XX/XX/XXXX statement, I was charged a {$37.00} late fee and interest totaling {$1.00}. I mailed my payment of {$200.00} for a purchase and wrote a note telling barclays they can either remove all the fees or close the account. They sent back a response saying they are unable to complete my request.
Product: Checking or savings account

US bank business checking account was promoted with {$800.00} account opening bonus if account holder bring in $ XXXX on ( or before ) the XXXX day of account opening, and hold the XXXX until XXXX day of account opening, XXXX XXXX XXXX. According to the terms of promotion, the {$800.00} bonus should be paid " within 30 days following the last calendar day of the month you complete all of the offer requirements ''. 

I opened US bank business ( silver package, account # XXXX, routing # XXXX ) on XX/XX/XXXX ( received account opening email on XX/XX/XXXX XXXX pm ), brought balance to XXXX on XX/XX/XXXX, withdraw part of the XXXX on XX/XX/XXXX. The bonus should be paid by end of XX/XX/XXXX according to the term. I have not received the {$800.00} bonus. 

I have called US Bank 5 times since start of XX/XX/XXXX, I was told my account opening day was XX/XX/XXXX, and I did not hold the XXXX on the XXXX day of account opening. I was told a ticket was submitted to the back end to investigate when my account was opened, subsequent call did not get the result of ticket.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A also states I have a right to privacy.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/2021 they took {$20.00} {$30.00} {$44.00} and {$30.00} again then on XX/XX/2021 they took {$11.00} then {$30.00} and {$11.00} again
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED A FEW INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

On XXXX, I sent a certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Credit Collection Services requesting verification and validation of an alleged debt they reported to my credit report, and they completely ignored me. 
On XXXX, I sent them a follow up certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ) requesting validation and verification of the alleged debt, again they ignored me, but continue to report it to the credit bureaus. I disputed the alleged debt with XXXX and XXXX. XXXX ignored me, and XXXX stated that they verified it with Credit Collection Services. 
I am demanding that they close the account in their office, and delete it from my credit reports.
Product: Debt collection

I have been repeatedly called multiple times on a daily basis. They have threatened to sue me and put me in jail if I did not pay. They have also repeatedly called my relatives threatening to sue them and put them in jail if they don't pay for me. They have also threatened to go to my husband 's place of employment.
Product: Debt collection

Company is attempting to collect a debt that is not valid, account was paid in full and closed by me. I have submitted proof of my claim and have requested proof from collector. Collector has only provided me a statement from the original account, the original account has obviously made a mistake of over billing, not my issue. I closed my insurance account, paid the final balance and provided proof of new insurance policy to original creditor. Not reason for additional billing.
Product: Money transfer, virtual currency, or money service

I submitted a XXXX complaint to Chase Bank to implore them to issue and sign a Hold Harmless Letter ( HHL ) on my behalf to XXXX XXXX XXXX ( XXXX ). The request for HHL was due to a recall of a wire transfer ( XXXX, XXXX ) that I personally initiated since I was made aware of a SCAM being perpetuated by an account holder of XXXX. The intent of the HHL is to protect the account holder from XXXX in the event that I am the one perpetuating fraud. The information that I have from my local detective who communicated with the criminal investigative unit at XXXX acknowledged that there have been over 25 other fraudulent transactions associated with the account and the account is currently " locked down ''. I have provided a significant amount of information such as a XXXX XXXX   Article, email transcripts and other document to substantiate that I was a victim of a scam. Issuing a HHL on my behalf should be a courtesy based on the circumstances of my request. According to Chases position I should seek law enforcement for assistance in this matter and I have completely pursued this approach also. I had a police report generated for the case at my local police department, coordinated with the countys internet crime division prosecutors office and reported the incident to the Internet Crime Complaint Center ( IC3 ) which is part of the FBI. The prosecutors office indicated that they will not be able to issue a HHL or provide a Seizure Warrant to legally retrieve my money from XXXX. The arbitrary response I received from Chase shows that they have not considered the merits from my request and maintain an unyielding corporate position not to issue a HHL as a matter of policy only. The lack of consideration afforded to me shows that they dont care about their clients. The only risk that Chase would assume would be if the account holder of XXXX had a legitimate objection to oppose the recall which I am willing to accept personally. I would like Chase to reconsider my request.
Product: Mortgage

XXXX Rocket Mortgage refinance bankers male and female told me I can't get equity amount. I asked the female refinance bankers and she told me she will need to ask questions for the approval letter. I told her I didn't ask for a approval letter I just need the equity amount. Then the male asked what I needed the equity amount XXXX. Only XXXX XXXXHe said XXXX.is the equity amount only generated from equity amount loan XXXXthe difference from XXXX. I thank him.
Product: Money transfer, virtual currency, or money service

I went to First Citizens Bank to send money from my XXXX account to my client who is in XXXX on a business trip. He now needs medical help so he asked I send money to him. My bank branch manager refused and then blocked my account. 
They promised they would send the money if I brought cash in. They stoped the transfer in the middle and refused to continue. They lied multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX  has violated my rights XXXX XXXX has violated my rights XXXX  has violated my XXXX XXXX has violated my rights XXXX XXXXas violated my rights XXXX has violated my rights XXXX XXXX has XXXX my rights XXXX has violated my rights XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX  has violated my rights XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX has violated my rights XXXX card has XXXX XXXX XXXX XXXX ser has violated my rights XXXX has violated my rights 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: Credit reporting

According to XXXX XXXX was removed from my Transunion credit between XX/XX/2017. I checked out my Transunion credit report online this morning and the collection item is reporting once again.
Product: Checking or savings account

i would have money in my account and then one to two days later maybe three, i would try to make another purchase and would be notified i have insufficient funds and the money i thought i had would be withhdrawn late