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

I filed multiple disputes on Transunion regarding the following accounts XXXX XXXX  CHARGE OFF WITH A {$0.00} BALANCE REPORTED ON XX/XX/XXXX, ALSO XXXX XXXX BEING REPORTED AGAIN FOR THE SAME ACCOUNT UNDER A SUBSIDARY NAME XXXX XXXX with a balance {$4400.00} as a collection reported XX/XX/XXXX. XXXX closed account {$0.00} balance reported XX/XX/XXXX, XXXX closed account Balance {$0.00} reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX account, Balance {$760.00} reported XX/XX/XXXX. These have been reported to TransUnion on numerous occasions with Multiple FTC reports as I have had my information leaked in multiple data breaches and used. Transunion denied to follow up with a proper accurate investigation. I was Previously notified that the CFPB and the Feds filed lawsuits against the company Transunion. They Alleged the company of accepting unreliable information, Falling to remove inaccurate or incomplete information, failure to notify consumer of dispute results and unwilling or being fully incapable of operating lawfully. This aligns well with my situation! Transunion has not attempted to remove, nor correct any information. I'm requesting these derogatory inaccurate remarks be removed immediately as its affecting my chances of getting a house. XXXX violates my rights as a consumer as well as federal laws.
Product: Checking or savings account

Citibank offered a {$500.00} bonus for qualifying account and activities. Upon completing all qualifying activities, Citibank did not pay me bonus. Have emailed and called numerous times. They say they are working on it. I was assured by banking representative, XXXX XXXX, that I did qualify and I would get paid. I still have yet to see the bonus cash. I believe I was mislead/tricked into opening an account. They advertise for bonus, tell me I qualified for bonus, yet refuse to pay me. Very deceitful company. They should not be able to advertise bonuses to trick people into opening a accounts. Should be down right illegal.
Product: Credit reporting or other personal consumer reports

I placed a call to Experian wanting to get my account information updated. When I log in to their website, they ask for verification using the last 4 numbers of my phone but I no longer have access to that number. 
When I call their number, I can only get automated service that verifies my information through asking for my social security number and zip code but it also asks for my old number to send me a text to verify but again I've changed my number and no longer have the previous number. 
I've asked to speak to a human representative but that request can't be made.
Product: Money transfer, virtual currency, or money service

My ex girl friend used XXXX to send money to my chase account and than to her XXXX XXXX account - its a clear money trail but chase refuses to assist properly and told me to contact XXXX - I contact XXXX and they tell me to contact my bank. And now shes using my account to pay her rent
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient balances despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

I currently owe {$51000.00} just to SallieMae. That amount is more than I make in a year. I reached out to them because I am currently having issues with my housing situation and need to lower my monthly payment without having an adverse affect on my credit, so I reached out to them for assistance. I was told that to get any assistance I would need to go PAST DUE. I said I was trying to keep from going PAST DUE by letting them know in advance I needed assistance. I pay in total $ 2000+ in loans a month and Sallie Mae makes up about half of that.
Product: Debt collection

I received a several calls from heavy accent foreigners today XX/XX/2022 stating I had an bill with XXXX XXXX, They even provided me with the last four of my ssn. As I informed them I've never been to XXXX XXXX in my life. They argued me up and down that I've been to be XXXX. I wish someone would audit this company, I shouldn't be harassed at all about an account or bill I don't owe. I would like to know how this company received my information. This company is using my person information and I don't appreciate it,
Product: Checking or savings account

XX/XX/year> an I discovered an unauthorized charge to my Bank of America account was made by a company called XXXX XXXXl for checking account ending in XXXX this company was doing buissness with fraudulent companies based throughout the world based in XXXX and XXXX etc I did not know of XXXX XXXX until after this transaction occurred. I suspect someone intercepted my personal confidential information.. Please help me fight XXXX XXXX  and B of A charge for XXXX they are not going to fight for me. I PUT in XXXX claims both got denied. Needless to say i am very XXXX! inclosed is the only email I got from XXXX XXXX stating a transaction was cancelled. I was not aware of this email until I did a search for XXXX in my XXXX account
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Citibank cashed a check made out to me and my husband six weeks ago froze our savings account closed our checking account said it was fraudulent for about two weeks. Then said they didnt cash it. then sent a statement showing it in there and never gave us the money back from either! Told us we would never get the money from savings it can only go back to the bank in a harmless bank to bank transfer that peoples has to initiate or the maker of the check. Which peoples wont because citi indeed cashed the check back in XXXX. This has caused a great hardship my husband is on social security and our primary income. Im attaching the letter with documentation of check cashed from peoples and a copy of my statement. I honestly dont know how they are allowed to do this!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions. 

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX XXXX
Product: Credit card

I have a XXXX XXXX XXXX  with Capital One that has a credit limit of {$800.00}. Right now, my current balance is {$730.00}. My available credit should be {$66.00} ; all of the transactions have posted, so there are no pending transactions that affect my balance. However, my available credit is showing as {$0.00}. I've called Capital One twice to resolve this ( on XX/XX/XXXX and XX/XX/XXXX ). On XX/XX/XXXX was told I have a pending transaction/hold of {$94.00} from XXXX, although I see no transactions pending on the Capital One mobile app or desktop site. I called again on XX/XX/XXXX and was told by a representative named XXXX that there was a pending transaction of {$100.00} from XXXX dated XXXX ( a different amount than I was told the day before ). Neither of these amounts are showing as pending when I view my account. I asked for documentation that show these pending transactions and was told they can't provide it. This is not transparent at all ; I feel that I should have access to everything related to my credit card account. I would like to have this issue investigated and to receive a reasonable explanation as to why I have no available credit, along with documentation showing the alleged transactions that are " pending ''. Below are screenshots of my current balance and credit limit.
Product: Debt collection

Southwest Recovery systems has repeatedly contacted me and harassed me over a debt that they say I owe and one that I have disputed for years. The client that they bought this debt from deceived me with regard to a website building offer and I canceled after learning of their deceit. 
Southwest has contacted me on at 12 different occasions and has attempted to bully me and harass me into paying a debt that I disagree with. They have never delivered proof of the original debt or amount. 
Today - XX/XX/2018 @ approximately XXXX they called my phone and attempted to get me to provide my date of birth, social etc over the phone. After i informed them that I have repeatedly asked them to stop calling they stated that they would just call again. Minutes after my wife called me to conference me in for someone calling her to ask for me. The same agent of Southwest was on the call and began berating me for hanging up on her earlier and smugly said she would call my wifes phone again. 

This company is very well known to practice harassing and threatening behavior and must be forced to stop or suffer financially for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to Fair Collection accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager SPAR states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions
Product: Payday loan, title loan, or personal loan

XXXXSunbit reported late payments on my credit report for XXXX months and I been emailing and calling the company since XXXX XXXX informing them of the service that was paid for was not done at all. Also the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and mechanic XXXX XXXX over charged on parts and labor as well double charge the lease agreement for serpentine belts and labor as well mounts brackets and bolts. I have submitted a settlement agreement to XXXX XXXX XXXX to cover repairs and damages done. XXXX/Sunbit representative told me that I wasnt gon na be able to rescind my contract and get full refund of all amount paid out to both XXXX XXXX XXXX and XXXXSunbit Bank. Now Im competent and evoking my Consumer Rights of Rescission, XXXXSunbit Bank XXXX XXXX XXXX XXXX XXXX disclosed nor deliver to me the XXXX separate Notice of Rescission conspicuously. Also XXXX/Sunbit Bank never disclosed that I had a option to opt out of having my private consumer transaction furnace to XXXX XXXX XXXX XXXX XXXX institutions.
Product: Checking or savings account

I tried several times to open a savings account with Comenity Bank today. They said they are " unable to open an account '' with me but wouldn't tell me why. They wouldn't tell me what they relied on to deny my account. I called XXXX times and told them I would file a complaint with you. I have a credit score of XXXX and no adverse information on my XXXX Report. When I said I had a right to an Adverse Action report under the FCPA, they said they would eventually mail me one in about two weeks ( that I guess I would receive in about three weeks ). 

My guess is they have some of my personal information wrong. I offered to let them run a credit check or let me apply in paper or let me verify my information by sending them my driver 's license but they wouldn't. 

I tried XXXX times. I'm 100 % confident that all the information I gave them was accurate. 

I also asked to speak to a supervisor. That request was denied on the grounds that the " supervisor would tell me the same thing. '' If they have false information about me, I want to know what it is so I can correct it. I am concerned my name and email and address has gone on the " dark web. '' ( I've been told it has. ) And if someone else is messing with my otherwise perfect credit, I need to know about it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 CREDIT PLUS performed a hard inquiry on my credit report. I am extremely careful about the information on my credit report and the accounts that are open. Recently, I checked my credit report on the XXXX website and discovered that Credit Plus had checked my credit. Before this, I had sent them multiple letters asking them to please provide me with the correct and proper documents showing that I was the one who applied with them, but they have failed to do so. Please see the attached FTC report at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion XXXX XXXX  failed to comply with Fair Credit Reporting Act, XXXX XXXX  sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT.
Product: Student loan

On XX/XX/XXXX, I paid off my student loans. I made this in one payment of {$80000.00} and one for {$48000.00}. I then submitted a duplicate {$48000.00} and told them not to process the duplicate. They processed {$120000.00} and I received email confirmation of that. One account of mine was debited for {$80000.00} and the other for {$48000.00}. The payments showed up on my ledger as processed, and also showed that Aidvantage reversed the duplicate payment for {$48000.00}. My ledger went to zero money owed. 

On XX/XX/XXXX, I was informed by Aidvantage that I had successfully paid off all my student loans, in a letter saying, " Congratulations on paying your loans in full. 
We received your final payment on XX/XX/XXXX. '' My ledger showed zero, and I separately received email confirmation they received {$120000.00}. 

On XXXX ( in a letter dated XXXX ) I was informed that a payment of mine was not processed on XX/XX/XXXX ( ten days prior to being informed that my loans were totally paid off ) due to customer revoking authorization for a {$29000.00} payment. However, the full {$120000.00} had been debited from both my accounts, and the {$29000.00} has not been returned to me on XX/XX/XXXX. On XXXX ( in a letter dated XXXX ), I was informed that a payment of mine for {$19000.00} had been returned to me on XX/XX/XXXX. 

On both occasions, NEW entries on the ledger showed up for XX/XX/XXXX showing payment reversal, which NEVER occurred. I NEVER had any money returned to me and my bank accounts were debited for the full sum of my accounts. In fact, the XXXX XXXX account they claim they reversed the payment to was closed the day after payment confirmation was received, so I don't even know how they would have reversed the payment : and they aren't providing any explanation of where they supposedly sent it. 

So Aidvantage has taken the full {$120000.00} from me but is claiming that I still owe {$48000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on accounts where I was never late on. The 3 Consumer Reporting Agencies ( Transunion, XXXX, XXXX ) have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

In accordance with the fair credit reporting act has violated my rights and with the FCRA, EVERYTHING must be 100 % accurate on my credit report. This inaccurate reporting has caused damage to my reputation, extended grief, great financial and emotional hardships to me and my family. 

My personal information is not accurate. The correct personal information should be listed as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX, Employer is XXXX, XXXX. 


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 also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

I have never been late on payments for the accounts : 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 In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 15 USC 1681 section 602 A. states that I have the right to privacy. 15 USC 1681 section 602 A section 2. Also, it states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 ( B ) : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please investigate and provide Proof with statements showing that these payments were late, as well as the accuracy of the charge off accounts. If proof can not be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Also, Update the accounts to Paid on time and never late. Or remove it from my consumer report. 


Additionally, it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C on the accounts. Listed below are the accounts in question : XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX. XXXX ( Original Creditor : 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 I demand that these inaccurate accounts be immediately deleted. 

Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Incomplete Resolution of Credit Dispute TransUnion FCRA Violations Message : " I am writing to provide feedback regarding my complaint against TransUnion. The company responded stating that my XXXX XXXX XXXX XXXX account was updated, but they failed to provide proper verification as required under the Fair Credit Reporting Act ( FCRA ). 

Violations include : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a proper description of their investigation.

I request further intervention from the CFPB to ensure TransUnion complies with federal law and removes this inaccurate information from my credit report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 i sent a dispute by certified mail for this said debt with XXXX XXXX ( XXXX XXXX ) in the amount of {$2000.00} to validate this amount owed. With no response I filed a complaint here in a separate complaint against the creditor. In which The creditor agreed to have this alleged debt removed from all 3 bureaus Within 45 days after failing to provide proof. The collection was removed from XXXX   and XXXX but remain on Equifax. I followed up with the Bureau twice since then, requesting they remove the debt and was advised that they never received notice to do so. This creditor has also not reported since XX/XX/XXXX of last year. I am asking that the Bureau Equifax remove this debt immediately as promised and report accurate information