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

I have complained 3 times already and I just want to know why this cfpb cant or will not step in when TransUnion just ignore and dont try to fix the problem because they know cfpb cant or will not do anything about them not doing any thing. I am sure the cfpb understands how these agencies control peoples lives with their credit scores. My other scores are XXXX to XXXX points higher and this has been ongoing since they hadnt name birth date and everything else wrong. I dont care what model they use for selected people ther shouldnt be able to stop people from making their situation better. I did see where TransUnion was disciplined by cfpb. They should be at the least investigated about how they come up with different scores for people with the same or better credit ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I start a dispute un XXXX XXXX about the 120 days late payment to chance that update or erase because i try Many times in the past to do my payments and the site never allowed me i have screenshoots of the emails that i send to them AND they never answer. And i need that Fox. Thanks
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$98.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Within the last 30 days I have deposited XXXXXXXX XXXX XXXX  for XXXX and some odd cents which came to me via mail by my local housing authority. I make this deposit every month around the same time. Also I just recently moved to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and was also sent a refund check for my security deposit in the amount of XXXX. I was able to use my cards and see my accounts up until XXXX days after I deposited the second check, was told I needed to verify myself which I did. Then I was told that I needed to verify the check. What I was confused about was the fact that partial of the check was made available within XXXX hours and then the remainder was available within XXXX hours. So I wanted to know from the bank how was the check not verified after XXXX hours if they made the funds available. I could not get a straight forward answer they continuously told me they did not know and couldnt tell me much because my account is restricted. I never was given a reason as to why my account was restricted. When I opened the mobile app it stated I needed to be verified. I asked to have them to send my funds via mail to my current address if my account was being closed or if they would release the funds from the check so I could take my check elsewhere they stated they could not do either of those things. Im okay with the account being closed I just want the funds that I am owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Form 1099-C ( Cancellation of Debt ) Dear CAPITAL ONE, I am writing to request that you issue a Form 1099-C ( Cancellation of Debt ) for the debt that was canceled in my account XXXX with your institution. As required by IRS regulations, I understand that you must report any canceled debt of {$600.00} or more, and I want to ensure that this is accurately reflected for my tax reporting. 

As reported in my credit reports, the canceled debt relates to the amount of {$930.00} and was discharged on XXXX. Please send the 1099-C to my address listed above or provide instructions if there are any further steps required to receive the form. 

If you need any additional information, please do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 I accidentally sent money to the wrong person using CashApp. It was for {$300.00}. Me and the recipient have gone round and and round with Cash app support but the issue was never resolved. The person I mistakenly sent the money to Cash app was locked and they couldn't send or refund the money back to me. They even tried to pull Cash out and give it to me in person. Cash app support was rude at times and would say they couldn't help with the issue further and would hang up.
Product: Credit card or prepaid card

During XX/XX/XXXX weekend, I have made {$30.00} purchase at XXXX Store using XXXX credit card ( # XXXX ). I have online XXXX 's credit card payment account with Email payment due advice. I have never got XXXX credit card paper statement by mail for 4 months or payment due advice by my valid email address by XXXX XXXX Credit card company. I understand that I should have checked my online account for payment due. It was my oversight mistake. During XX/XX/XXXX Month I got my XXXX credit card statement.Also, I have noticed my credit score reported drop my credit score from XXXX to XXXX for delinquent payment.In my entire life time, I was never delinquent on my any payment that i can prove with excellent credit score. 

So in XX/XX/XXXX month, I contacted XXXX 's credit card customer service to make a payment and settle this matter. XXXX XXXX credit card customer service person agreed to waive all {$39.00} late fees charged and make a bank debit of {$38.00} to my bank account as a payment paid in full on XX/XX/XXXX. I thought this matter was settled. However, XXXX 's credit card company still sending me payment due notice {$37.00} late fee with {$2.00} interest charge for each month for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXand reporting my delinquent payment to credit bureau and ruining my credit history. 

I appreciate your help in this matter causing me a lot of stress. Thanks.
Product: Debt collection

XXXX customer for agreement period of 3 years XX/XX/XXXX-XX/XX/XXXX. Let service continue till I relocated in XX/XX/XXXX. XXXX claims I owe a cancellation fee. I asked for copy of contract and supporting documents from XXXX and Receivable Performance Management. XXXX says they have none but to look at their website for policy. I said show me agreement from XX/XX/XXXX when i enrolled. They turn over to collections which hit my credit report XX/XX/XXXX. No notification, warning. Received call from collection threatening if I dont pay they would report to credit bureaus. This call took Place XX/XX/XXXX. Thus 3 months after it had been placed. Want this removed from my perfect credit report at all XXXX bureaus. Receivables Performance management is Collection Co out of WA state. Thank you for the time
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I looked at my experian credit report on XXXX XXXX and noticed somethings are incomplete and inaccurate, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 
And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to XXXX XXXX XXXX they are suppose to 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 inccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has failed to Block reported information related to identity theft identified by myself the consumer.
Product: Checking or savings account

XX/XX/year> Dear Sir or Madam, I would like to make a formal complaint on the handling of my Bank of America account, number XXXX. The bank did not protect my money : On XX/XX/year>, I was the victim of a fraudulent and terrifying scam. My life and my family 's life was threatened by texts and by graphic photos. It was the scariest day of my life. 
I was in my XXXX  dorm alone when the scammers did this terrible crime. Scammers deposited bogus checks into my account totaling XXXX, and I believed that I owed them the money. My life was threatened if I didnt return it at once. I have sent pictures of these texts to Bank of America. I have yet to hear back. This is the first time I was a victim of a crime. 

Im extremely disappointed with Bank of Americas response that it was a self scam. 
I have had this account with Bank of America since I was XXXX XXXX XXXX, its a XXXX   account, and I feel as though it should have been more protected. Because of this scam, I am now overdrawn XXXX dollars. I dont work and my mom puts in a few XXXX a month so that I can have spending money. I dont have any recurring deposit from work coming into my account and do not have the money to bring the balance to XXXX. I didnt even know Bank of America would overdraw for hundreds of dollars like this, leaving me responsible. My acct is frozen now ( XXXX ). I dont want to ruin my credit in the future with this debt. I was the victim of a horrific crime as evident by all of these text messages. 

There are so many banks, my mom trusted Bank of America to protect my money and my brothers money who has an account there too.This is both of our first banking experiences, if that counts at all. 

Im XXXX, and would like to continue with Bank of America, but I want to know if profit is more important than relationships with customers. Im asking for you to please help with this matter, I was traumatized by the scammer and now a second time by Bank of America. 

I would like to make a formal complaint about the customer service from Bank of America and how a youth debit account does not have adequate protection against predators. 

Thank you very much, XXXX XXXX
Product: Checking or savings account

Greetings, I opened a new bank account with Ally, I deposited a check once the account was opened. As soon as i deposited the check my account was locked, they asked me for a picture of my social security card, my drivers license and my selfie with holding both ids in my hand. I sent it all the same day within an hour of speaking with them. I spoke to them everyday as they said it would take 1-3 days. Today is day 4 now they are telling me they are still reviewing my submitted documents. So the account is blocked But now the guy tells me they will verify the check, i deposited the check 5 days ago, the check should have been cleared by now. I have worked in a bank i know the check clears in 2 business day from the bank its issued from. Please assist.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

This debt is past statute for collections. XXXX XXXX. called my number today at XXXX PST from XXXX ( XXXX XXXX XXXX and did not verify my identity prior to disclosing the debt, in violation of the law and making them subject to suit over this practice. I have requested a cease and desist.
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint for the following : I am writing this as I am a consumer and has been a victim of inaccurate reporting by XXXX XXXX on their account [ Account Number : XXXX ]. I want to bring to your attention the fact that the account has been inaccurately reported as " paid twice ''. This error on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) regulations. I am hereby requesting the Credit Bureau to remove any and all credit information associated with XXXX XXXX 's account [ Account XXXX : XXXX ] from my credit report, as your bureau is a party to this reporting of incorrect payment history. The inclusion of such an entry in my credit report, as " paid twice '' has adversely affected my credit score, which in turn has had unnecessary financial consequences. 

The accurate information which XXXXXXXX XXXXXXXX should have had provided was in fact that I made a payment in full for the account [ Account Number : XXXX ] and the account was closed after balance was fully paid at end of year 2020. 

Any entries reporting an incorrect status or repeating the same information would not only be a violation of FCRA guidelines but also misleading as such double pay or overdue/pending payments ultimately give incorrect certainty to my creditor scoring. The reporting of " paid twice '' has marginalized my credit standing with the worthiness as a borrower and also has had impacts like higher interest rates, having difficulty in securing loans from various lenders, and so summarily created unnecessary financial hardships. This reporting error by XXXX XXXX has caused significant inconveniences to me and failed to comply with FCRA provisions. The FCRA regulations aim to protect consumers from inaccurate credit information, and as such, any violations of these laws will attract legal actions for failure to comply. 


I have demanded deletion of this account fully due to lack of providing investigation procedure and for the financial hardships this has caused me. 

the response i received to my request was " Collection : XXXX XXXX XXXX ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR IS CURRENTLY REPORTING A XXXX BALANCE FOR THIS ACCOUNT. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF 1ST DELIQUENCY '' They did not delete this account instead have been updating it after being in violation. 

Today I have found out that I am also a victim of data breach because of there practices and violations. 


I am demanding full removal of this account off of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation of Credit Report Items To whom this May concern, I am writing to request a reinvestigation of the following account ( s ) listed on my credit report. I believe that there may be inaccuracies or incomplete information associated with these items, and I would like you to verify their accuracy and completeness under the Fair Credit Reporting Act ( FCRA ). 
The account ( XXXX ) in question are as follows : Creditor Name : XXXX XXXX Account Number : [ Include the account number as listed in the report, masking sensitive digits if necessary ] Reporting Bureaus : XXXX, XXXX, Equifax Issues Identified : Inconsistent reporting of account status, high credit, payment status, and comments. 
To assist with the reinvestigation, I have attached a copy of my credit report highlighting the discrepancies in reporting across the bureaus. Specifically : The account status for Equifax is marked as Derogatory, whereas XXXX and XXXX report the account as Paid. 
The comments and payment status differ between the bureaus. 
Other inconsistencies include the high credit limit and additional details. 
I request that you : XXXX. Verify the accuracy and completeness of the information being reported for this account. 
XXXX. If any errors are found, correct them promptly or delete the account from my report. 
Please provide me with the results of your reinvestigation, including any updates or deletions made to my credit report. 
I have also enclosed the following : A highlighted copy of my credit report detailing the issues in question. 
If you require additional information, please do not hesitate to contact me at [ XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter. I look forward to your response within the 30 days required under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 Attempted to transfer funds between accounts, but was denied access. They also arbitrarily closed my checking account without notification. When I asked why they were attempting to collect a debt. I am a XXXX retired female who has limited income. I specifically requested the checking account last year and was using it. I believe their actions are illegal and discriminatory against XXXX retirees. I have notified my attorney of this action, Help Is Here.
Product: Debt collection

This company has been Robo calling me twice a day, every day for the last 5 days. I have added their phone number to my blocked list but they keep trying to call. When I called them back they refused to identify themselves until I answer personal questions about myself. 

I'm not going to give my personal information to a stranger over the phone. Their representatives refuse to tell me who they are and what company they work for. They just keep telling me they have an important business matter to discuss. I have hung up on them several times. I have asked them twice to stop calling me and the calls have not stopped.
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 XXXX XXXX Account number # XXXXXXXX XXXX Account number # XXXX XXXX XXXX Account numbers # XXXXX, 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 intormation Anv other adverse item of information, other than recoras or 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 know or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

The company BridgeCrest has been reporting on my credit report, on a charged off account. This account balance has repeatedly been increased in the interest of time. The increase amount is almost {$6000.00} dollars on a charged/collections account. The balances are also reporting 3 different amounts on all 3 reports.
Product: Credit card

On XX/XX/XXXX, I needed roadside automotive assistance. The company that was dispatched to assist me, " XXXX, '' informed me that I needed a new car battery, which they provided at a charge of {$220.00}, which I placed on my Citibank Mastercard. XXXX  verbally promised that documentation ( proof-of-purchase and warranty ) would follow. These were never received despite two voice messages left with XXXX in XXXX, as well as text messages left with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Meanwhile, I began to have problems with the new battery, and being unable to reach XXXX, I called the battery manufacturer, who informed me that, based on the serial number provided, the battery was likely not new but rather a " salvage, '' taken from a junked  car and cleaned up to look new.. 

XXXX has no physical presence ( no store, no office ) so I can not return the battery to request a refund and, as noted above, they have not responded to my texts or voice messages. 

I therefore contacted Citibank Mastercard on XX/XX/XXXX to request to dispute the charge. I spoke first with a representative, " XXXX, '' and then with a supervisor, " XXXX. '' Both refused to accept my dispute on the grounds that I still have the battery; according to them, I would have to return the battery in order to dispute the charge. I pointed out that XXXX has no physical location and has not responded to my texts or voice messages and asked how, in the circumstances, I could possibly return the battery. They had no answer, but told me that this was " Mastercard rules ; '' when I asked what more I could do, or they could do for me, XXXX replied " nothing. ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

I have already disputed these items under sec. 609 of FCRA, but the bureaus did not remove them, nor prove validation.

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Required the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$370.00}