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

Transunion is providing inaccurate accounts on my consumer credit profile. The company has refused to provide me with their investigation process. By law the company is required to investigate anything that is furnished on my credit report. I have asked multiple times to provide me what method and or methods were used to investigate these accounts, and how did the company come to the conclusion that these accounts are accurate? The company is using an elaborate mechanism to do their work and is unfair and undermining my due diligence to extend credit. The CFPB recently released an article in detail that proves this company has not properly handled consumer 's disputes because proper investigations were conducted extensively. With Transunion 's misconduct, this has caused a strain on my personal life and has caused me hardship with extended my credit. Furthermore, I NEVER consented to tis information being furnished and this infringes upon my rights to privacy. I am demanding this information to be deleted permanently or I will escalate this and hold Transunion personally liable for their deception.
Product: Credit card

A merchant, XXXX, scammed me into seeking their services. Later, the merchant stated they would be ending there services yet still charged my card at a later point. The merchant was suppose to handle XXXX separate cases fully, they did not and did not fulfill the contract. I had to hire XXXX other firms to perform the service. In addition, after speaking to multiple ( similar merchant, third parties ) they all reported that the credit card company should protect me from the original merchants charges. As of today, Bank of America has given me the run around instead of fulfilling their promise to protect consumers and has failed to comply with the Fair Credit Billing Act. I have had an attorney write to the credit card company explaining that the charges from the original merchant should be returned, however Bank of America has refused to assist the consumer..
Product: Checking or savings account

On account ending in # XXXX and # XXXX I had unauthorized drafts taken out of my accounts. Bank of America closed these accounts and gave provisional credits. 

I then made a deposit to my new account ending in # XXXX and # XXXX that was from someone who ultimately scammed me for {$800.00}. 

I have had {$530.00} in account # XXXX and {$98.00} in account # XXXX that has been withheld from me since XX/XX/XXXX with promises that I could go get my funds in the branch. 

I have spent a minimum of 23 hours on the phone with Bank of America and have made 4 trips into the branch. 

I no longer want to do business with a bank that doesn't have my best interest. 

Accounts affected : Ending in # XXXX balance {$530.00} # XXXX balance {$98.00} Claim accounts ending in # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I received notification that XXXX XXXX opened a credit card in my name with my information that I did not authorize. After contacting them about this credit card and that it was opened fraudulently they did not report this to the credit bureaus that it was fraud or properly investigate and close the account. I now am being harassed with mail and phone calls after repeatedly telling numerous people at citi bank who operates the office depot credit card to close the account. They incorrectly told me that they would revise my report to the credit bureaus which has not been done and they continue to not close my account and continue contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrongful Behavior by Upgrade : - Paid per ALL hardship agreements as shown in the XXXX XXXX document of automatic drafts taken from my account along with the posted payments on the Upgrade website previously sent. They have stated that they have reached out to me by phone and email and I have NO record of any calls from XXXX and they have conveniently not recorded any of my calls to them. 
o Dates of calls to XXXX as follows : XX/XX/XXXX at XX/XX/XXXX at XXXX phone call to discuss my payments moving forward. Was told that there is an error on my account will need to escalate to upper management and will give me a call back. Never received a call. 
XX/XX/XXXX - On my credit report from Experian, XXXX and XXXX dated XX/XX/2021, my credit history was NOT late other than 60 days back in XX/XX/2021 which was the start of my hardship program with Upgrade. 
- Then on my credit report from Experian, XXXX and XXXX dated XX/XX/2021, my credit history has a charge-off in XXXX after completing ALL payments as agreed upon. 

XXXX is claiming that I was behind for multiple months, if that is the case why is it not showing that and where did the money that was drafted from my account go? 
XXXX has consistently report incorrect information to all three credit agencies after all payments were made according to the hardship program. It also states in the hardship agreement that " Your reduced monthly payment will result in the accrual of additional amounts. the total of the principal reductions will be added to your final loan payment made at maturity ''. This document is attached for review. so how are the payments behind?
Product: Bank account or service

On XX/XX/2017 my debit card was stolen and used for a purchase at a walgreens for an amount of {$210.00}. Immediately upon discovering this I notified my bank J.P Morgan Chase of this issue and filed a fraud claim. Additionally I filed a police report with the city police for the crime. Now this crime was unique in the fact that my card was taken from my wallet without my knowledge then returned as a means to hide the actions of the perpetrator. I explained this to Chase and they issued me a credit for the amount lost, and sent me a new card. My case with the police department was worked by a detective that handles financial crimes, surveillance tapes were reviewed, and an arrest warrant was issued for the individual that had stolen my card. 

After this had occurred on XX/XX/2017 I received an email from Chase stating that my fraud claim had been denied and that the credit would be removed from my account. I reached back out to the chase fraud department and asked for an explanation, they stated because my bank card has a chip and because it was in my possession at the time of the transaction no theft could have occurred and therefore my claim was invalid. I explained again what had happened when the crime occurred, the representative said that a new claim would be opened and the claim reversal amount was never removed from my account. 

After receiving no information from chase on the status of this investigation, on XX/XX/2017 I noticed a transaction on my account for a claim reversal for the previous amount stated of {$210.00}. I contacted Chase bank and they said part of the issue was there being two claims open for the same transaction. The rep closed one of the claims, and said that the credit would be returned to my account within 3-5 business days. 

Today XX/XX/2017 I contacted chase bank to follow up and inquire why the credit had not been returned. The first rep I spoke to had stated because the claims department was attempting to contact walgreens to verify information about the transaction and that there was no timeline as to when this would be completed. Being dissatisfied with this I accepted an offer to speak to a representative in the escalations department. This rep I spoke to then informed me that there was no open claim and that chase had completed their investigation, and that the credit was properly removed from my account and would not be returned. I requested that this claim be re-opened and offered to provide the police report and information regarding the criminal investigation and subsequent arrest warrant issued regarding this claim, however the representative stated that this documentation would have no bearing in the investigation because it was closed and would not have any impact regarding the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act This creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.
Product: Debt collection

Received a letter in XX/XX/XXXX stating I had an outstanding balance at XXXX XXXX ( TX ). I have not ever done business with this company. The company is a electric power provider in XXXX, TX. I have lived my entire life in XXXX XXXX IN, and have no real estate interest or other relationship with anyone in XXXX. Someone clearly had stolen my identity in order to obtain power at a residential address in XXXX. They told me to file a police report and complete the FTC Identity Theft form. I immediately did both and forwarded to the company. It appears that in XX/XX/XXXX, this company forwarded the 'bad debt ' information to a Mercantile Adjustment Bureau . I received no communication from this collection company. On XX/XX/XXXX I received a notice from a company that monitors my credit stating that a 'derogatory remark ' had been added to my credit file. I reached out to Mercantile Adjustment Bureau, obtained a FAX number and name whereby I could again submit my documentation. The representative told me the only method of submission was FAX. I have attempted 3 times to FAX the requested information, but the FAX # is always busy. I again reached out to XXXX XXXX and resubmitted the items I had submitted last XXXX.
Product: Checking or savings account

My wife, XXXX XXXX and I had Traditional IRA and Roth IRA accounts with Capital One bank. Without our knowledge, our accounts were transferred to XXXX XXXX XXXX in Illinois. The company has been charging Predatory fees for maintaining accounts and mailing statements. 

Each account was charged {$35.00} maintenance fees and {$10.00} mailing fee ( total of {$90.00} for each of us ... {$180.00} in total ). They refuse to credit the account for the fees. The were charged for the year 2022. 

When I asked to have our accounts transferred to XXXX, they said, each account will be charged {$25.00} ( total {$100.00} ) for our four accounts. 

We have not received any communication from Capital one or XXXX XXXX company. We would not have approved this we knew about this predatory charges. We are totally helpless. 

I read XXXX complaints and reviews about XXXX XXXX company which echo our feelings. 

They told me they are not regulated by any Federal agency and are only regulated by State of Illinois. 

We are asking for refund of are fees and waiver of transfer fees to XXXX ( Total of {$280.00}.
Product: Credit reporting

I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted Transunion, XXXX, and XXXX about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''
Product: Debt collection

Formally requested via phone on XX/XX/2019 at XXXX for contact to stop, as I have no debts in collection at this time. Have been receiving harassing phone calls daily from several numbers attached to XXXX XXXX XXXX for the past week. 

XXXX and XXXX are the most recent numbers. After blocking the XXXX number, they now call daily from the XXXX number. 

I have no debts in collection and they try to elicit money from me daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of Hawaii // This financial institution submitted my automatic payment application 2 months after I originally handed it in. Costing me a 30 & 60 day late payment demolishing my credit. I had called them and asked why I was getting serious delinquency calls and they openly admitted over the phone that we accidentally submitted you automatic payment paperwork late. I returned from XXXX that XXXX and handed them a {$5000.00} check to subdue any late fees. Then 30 days later I got another call saying youre late.again. I hashed out the same conversation with the person in charge of my account. She told me we didnt process the check for 10 days due to your automatic payment paperwork. 

Thats the biggest hit my credit has ever taken. That company ruined my credit score and they should take responsibility for it. 


In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, A XXXX salesperson came to my home. He was offering a deal to switch my cable company to XXXX XXXX. I told the salesperson, that " only if they would not put a hard inquiry on my credit report, would I agree to sign on with XXXX XXXX. '' He assured me this would not happen, because there would be other ways to get my application approved. He then contacted his supervisor, who again assured me, " there will not be a hard inquiry placed on your credit report. '' On XXXX XXXX, XXXX I checked my credit report, and there were XXXX XXXX XXXX inquiries on my Equifax report. On XXXX XXXX, XXXX, I called XXXX credit department and voiced my displeasure about the inquiry. I was told that an investigation would be launched to find out what happened. I was told this would take XXXX days, and I would be notified of the results. I sent a certified letter on XXXX XXXX, asking about my complaint, and did not receive any response. I called and spoke with a XXXX XXXX XXXX supervisor credit dept. ), on XXXX XXXX, XXXX. XXXX XXXX assured me that my investigation was happening and it would " take a few more days. '' On XXXX XXXX, ( after XXXX hours, and XXXX different dept. referrals ) I was told that there was no record of any complaint by me, and there was n't anything that could be done, because XXXX only uses hard inquiries on all credit applications. I told the customer service person, that this was done fraudulently, and that my inquiry should be removed, He again stated, that XXXX only does hard inquiries, and a " training '' could be given to the employees who sold me the account. I am asking for assistance from the CFPB in this matter.
Product: Credit reporting or other personal consumer reports

I have these Erroneous hard credit pulls From Transunion that I have reached out about numerous times that were suppose to be off of my report and are still their I want these Erroneous things Deleted off of my credit Report immediately!! They are as follows ..... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX  XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Discover. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to the following inquiries listed on this report, nor did i benefit from them, please block and remove them please
Product: Money transfer, virtual currency, or money service

Binance.US is holding my money hostage and will not allow me to access my funds. They are conducting fraudulent activity and manipulating the XXXX XXXX by allowing big money investors to buy in while they freeze the accounts of many small retail traders and hold onto peoples money for months on end while the asset is tanking and costing people to lose their entire life savings. There are many complaints about this very issue online and on XXXX and many other chat groups and no one is doing anything about it. Binance is one of the richest companies on Earth right now and they are conducting some shady activity that's only affecting us smaller retail traders. This is market manipulation at best and illegal/criminal activity at worse. Either way this XXXX is wrong, and they're costing a lot of stress and damages in peoples lives and no one is doing anything about it.
Product: Debt collection

On XX/XX/2019 I seen an entry under my credit file under Firstpoint Coll Resources Inc for a collection for {$56.00} for XXXX XXXX XXXX. I have not received any notice from this company saying that I have the right to dispute this debt nor do I owe this debt. This company has violated the FCRA as it states that i must revive a notice of collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Checking or savings account

Today i recieved a letter from PNC that they are closing my checking account that i have had for over XXXX  years with very little if any problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax that a hard inquiry on my credit report on XXXX XX/XX/2021, by XXXX XXXX was fraudulent. There was also another inquiry to XXXX XXXX  on XXXX XX/XX/2021 that has been resolved. I contacted XXXX and they concurred it was fraudulent and an account was not opened. I put a fraud alert on my credit accounts, reported it to the Federal Trade Commission and after filing reports through them, received notice that Equifax will not remove it because they say it is a valid inquiry even though I did not authorize it. I have written to them twice with the same result. I want this hard inquiry removed from my credit report- it is fraudulent and I should not be penalized for someone else 's bad behavior. 

Please see the attached : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2021 XXXX  XXXX XXXX