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

I have disputed an fraudulent account by XXXX XXXX. Experian was investigating the information and hasnt updated my account since XXXX even though the dispute was opened in XXXX and XXXX. The information Experian has on my credit report is inaccurate from the information that XXXX and XXXX  has ( which is accurate ). The collection account address and payment status is wrong. Experian will not remove the derogatory payment status and wont update my dispute in a timely matter. In pictures you can see that Experian hasnt updated the collection in dispute, doesnt have the accurate collection agency address, has an unnecessary derogatory payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my pursuit of accurate and fair credit reporting, I have encountered a series of unresolved inaccuracies in my credit report furnished by TransUnion. Despite my repeated attempts to dispute these errors, my efforts have been dismissed, resulting in the sustained presence of these inaccuracies. 

I first discovered these erroneous entries on my credit report, which comprised of several accounts and XXXX public record that I do not recognize or claim ownership of. The accounts in question are listed under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX separate instances ), XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Furthermore, there is a public record associated with XXXX XXXX XXXX XXXX that I dispute. 

I immediately raised a dispute with TransUnion, requesting them to investigate these inaccuracies. However, despite my initiative to correct these issues, TransUnion responded stating that these items have already been investigated and were verified as correct. 

This prompted me to send several dispute letters XXXX XXXX XXXX emphasizing the urgent need to rectify these errors. I clearly stated my intent to file a small claims suit should the inaccuracies persist. 

TransUnion 's failure to properly reinvestigate these disputed items and to maintain accurate credit information is in violation of the Fair Credit Reporting Act. The continued presence of these inaccuracies on my report has caused undue financial and emotional distress and has detrimentally impacted my credit opportunities. 

I hope this complaint can lead to a thorough investigation and prompt resolution of these inaccuracies. I am also seeking damages for the financial harm and emotional distress caused by TransUnion 's failure to comply with federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past six months or more, whenever I attempt to file a dispute through the links provided within my Experian account, I receive an error message. 

Although, the error page suggest that I call into Experian for assistance, due to the Coronavirus situation, the wait times to get through to an agent can be lengthy. Also, many consumers like myself, tend to perform on-line errands during the weekend, and during the evenings. Unfortunately, the Experian customer service phone lines are not open during those hours and are limited to regular business hours when most people are working or in school and don't have the time to sit on hold for a 1/2 hour before receiving help.
Product: Checking or savings account

I am writing to file a formal complaint and seek assistance in resolving a matter with Current Bank, account holder under my name, XXXX XXXX XXXX and their failure to provide me with a closure check after terminating my account. 

On XX/XX/, my account with Current Bank was officially closed. As part of this closure process, I was informed by a bank representative that I would receive a closure check totaling {$310.00} within 14 days. 

However, despite the assurances given, more than a month has passed, and I have yet to receive the aforementioned closure check. I have made numerous attempts to contact Current Bank 's customer service to address this issue, but unfortunately, these efforts have yielded no satisfactory resolution. 

Given the delay and the apparent failure on the part of Current Bank to fulfill their commitment, I am seeking the intervention of the Consumer Financial Protection Bureau to assist in expediting the retrieval of the owed funds. I kindly request your help in facilitating the retrieval of the check or urging Current Bank to issue an expedited replacement check without any further delay. 

I have been inconvenienced due to this delay and require these funds for my financial obligations. I am hopeful that with the intervention of the CFPB, this matter can be promptly resolved. 

I have included copies of pertinent documents, including my account closure confirmation, for your reference. If any additional information is required, please do not hesitate to contact me. 

I sincerely appreciate your attention to this matter and kindly request your prompt assistance in resolving this issue. Your intervention in this matter would be immensely appreciated. 

Thank you for your time and attention. 

Yours sincerely, XXXX XXXX
Product: Student loan

I was tricked into getting student loans through XXXX to continue my education at XXXX from XX/XX/XXXX to XX/XX/XXXX. The degree was a total scam because I the instructors where not certified in the field of study I was in. I was not able to hold a job because my skills were sub par. I have not been able to find a job in my field, now my loans have accrued to an ridiculous amount. Now Navient calls me non stop to pay my loans. I am applying for XXXX, only to find out I can not because of my loans. In interest alone, I am in debt over {$70000.00} dollars!!! I do n't know anything about how this works and I feel like I just ca n't get out of this hole. Please help someone! I have a wife and XXXX daughters that need me to be in a position of good standing. I feel like no one at Navient cares enough about me to help. I 'm just another number to them.
Product: Prepaid card

I can not use this card anywhere not even XXXX or XXXX. also tried tikok and a direct website. Plus it is charging me to attempt to use it. 
I have another card with the same problem. Not sure how to spend my {$1000.00} when I can't use them. 


Balance & Transactions Balance Summary ActivatedXXXX Thru XXXX Value $ XXXX Transactions $ XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the 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

My identity was used to open a fraudulent account with a credit union named Navy Federal Credit Union in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them and requested they remove it from my credit report. XXXX, XXXX credit agencies still show this misinformation on my file. This is my second complaint with this credit union to resolve this issue.. I need to resolve this issue immediately because its affecting my credit score.
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 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX : # XXXXXXXX XXXX  : # XXXX XXXX : # XXXXXXXX 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/2021, Experian and XXXX  are currently reporting an fraudulent account from XXXX XXXX  that is adversely affecting my credit score. This account is not mine and no information has been furnished to me upon request. I was a victim of fraud previously and as a result placed a lock on credit file.
Product: Prepaid card

On XX/XX/year>, I received an American Express gift card as XXXX gift, and I immediately tried to use it to add to my XXXX balance. After trying to add this card to both the app and on my XXXX directly, I was met with a message telling me to " Check Card information '' despite everything being correct, one issue is that I have no name on the card therefore I can not input a correct name into the XXXX. I went to the American Express Website and put in my card information, and it told me that my card was active and still had the original balance on it. After that, I was still determined to get the money on my XXXX and tried linking the card to XXXX, which got declined. Then, I tried linking the card to the American Express app so that I can link that to XXXX, however that got declined as well. It gave me a messaged stating " Please call the number on the back of the card '', which I did, and explained my problem to a lady and she was very unhelpful when I asked her how to fix my issue and it was hard to understand her. My card is perfectly fine but the gift card will not work for any retailers online, as far as I know.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Consumer Financial Protection Bureaus, I would like to file a complaint against Transunion on the basis of sabotaging my credit profile and not abiding by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, under U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Transunion had requested documentation of re-establishment of a XXXX Credit Card that is on my credit profile with XXXX and XXXX. I have worked beyond the means to get this information to Transunion, as far as working with XXXX Executive customer service, who have validated this account and further more have established that the account has been reporting since XX/XX/2018. Transunion is exerting its power on me the consumer as punishment due to me obtaining an attorney on the matter, they continue to violate the Fair Credit Reporting Act, even when given documentation that they have requested. They continue to change the document acceptance process requested by them to further violate the Fair Credit reporting act as retaliation for filing claims or reporting a violation to my attorneys against them. 
I have attached document from Creditor XXXX Card on behalf of the Executive customer service. Transunion representative stated that now they will only accept an online ERS update from XXXX, which when I contacted Creditor XXXX, they have stated they have not heard of such a process and have been reporting this XXXX Card account to Transunion on my behalf, based on a legal and federal guidelines set by the Fair Credit Reporting Act since XX/XX/2018. 
As a consumer I am outraged that Transunion think it is above the Fair Credit reporting act and continue to retaliate against me for filing claims or reporting a violation to my attorneys against them.
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  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights XXXX account # 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: Checking or savings account

XXXX of {$350.00} to open checking account with direct deposit. I fulfilled requirements XX/XX/XXXX and called bank XX/XX/XXXX and XX/XX/XXXX. They have no record and are researching it and insist its {$300.00}. I went to a physical bofa branch, XXXX XXXX XXXX with the promo and it was {$300.00} in bank, {$350.00} online. That's what I did, online. Bofa is a lying money grubbing company.
Product: Checking or savings account

My Prepaid Debit card with US Bank ( Relia Card # XXXX ) was used for withdrawals by unknown hackers three times in a row. US bank informed me that the amount of {$2000.00} withdrawn on XX/XX/2022 was transferred to an account with XXXX bank ( XXXX ) and the other amount of {$2000.00} withdrawn on XX/XX/2022 was transferred to an account with XXXX bank ( XXXX ) as well. And finally, an amount of XXXX was transferred on XX/XX/2022 to an account with XXXX Bank ( XXXX ), but didn't give the XXXX Bank Ac info. When I investigated and asked for help, XXXX refused to give me any information about where the money went. I even showed them that my XXXX account didn't get any deposits. US Bank investigated but concluded that no error had occurred assuming that I may have approved these transactions. I got lost between XXXX and US banks as neither one was willing to help.
Product: Credit card

Identity theft with XXXX  XXXX to top things off my credit file has been locked for years and I look at my credit and XXXX XXXX hit my credit XXXX points on XXXX and also the credit people can not get in contact with when there should be nothing on it cause it has been locked for years but they wont me to do members ship. My credits has been locked for almost XXXX years and I tried to dispute with them and nothing gets done. On top of everything I can not do anything positive in my life cause I cant even get a place to live because of them playing games mainly XXXX you could look at my XXXX XXXX and the other one and see. XXXX is really bad and need to be put out of business who ever behind the seen is doing this. Respectfully Submitted XXXX XXXX. Ps I have been homeless for a long time due to there actions and me getting injured in XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : ( Original Creditor : XXXX XXXX  XXXX ) # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX LLC # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I financed a dental implant aXXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX in XXXX XXXX, Texas. I financed this with personal payments directly to the XXXX and XXXXXXXX XXXX loans. I confirmed with Sunbit that I financed XXXX total with the two loans. One loan was interest free and one loan had a finance charge of about XXXX dollars. I understand the finance charge does not go to the XXXX XXXX  The XXXX XXXX did not give me XXXX of credit for the two XXXX loans. The XXXX XXXX only gave me XXXX of credit for the XXXX financed with Sunbit. I tried to resolve this with Sunbit and Sunbit contacted the XXXX XXXX and the case was closed with a message that said the XXXX XXXX refunded me about XXXX. The XXXX XXXX did refund me about XXXX. However, this refund should have been more -- I was still never credited for the XXXX discrepancy. The XXXX refund, in large part was because the XXXX XXXX  lost track of one of the loans I made ; billing is generally a mess there but if Sunbit isn't going to do their due diligence by closing the case and not allowing it to be reopened then they themselves can send me a check for XXXX.
Product: Credit reporting or other personal consumer reports

After investigation was completed by XXXX back on XX/XX/XXXX, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. XXXX continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you please look into this matter?
Product: Checking or savings account

After having my wages paid into a different account, US Bank kept honoring automatic transactions for which there were no funds in the account to cover. To add insult to injury they have, as of todays date XX/XX/XXXX, levied over {$180.00} worth of overdraft fees on my account. I am currently on the phone for the second time in less than an hour to their customer service number, XXXX XXXX XXXX, the first time having been hung up on by one of their associates. I am now speaking to XXXX, XXXX ID XXXX, who has said she has no supervisors available to speak to me and who has refused to reverse the fees. I am asking you to ask US Bank to waive the entirety of those fees immediately.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and noticed that I have two late payments reporting that I was never late for. Consumer reporting agencies have a responsibility to report consumer information to the best of their ability and with utmost accuracy. I have never been late on XXXX XXXX XXXX  account XXXX.Please investigate and provide proof with statements proving that this account was late. If proof can not be provided I demand that this account be updated as on time and current as it should be as I as never late on any payments. The report is reporting inconsistently with dates also.
Product: Student loan

XXXX : Original Loan Amount : {$6600.00} Loan Date : XX/XX/XXXX IntRate:4.25 144 Payments of XXXX Never payed late and always paid more than payment due. 


Received new payment schedule for : 83Payments {$45.00} Start XX/XX/XXXX Which is another 7 years. 

This loan should be ending in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave XXXX any written consent to report anything on my consumer report, No consent is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX see attatched Reported by XXXX account ( XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX XXXX CANCELATION OF DEBT ** DEBT DISCHARGED {$9.00}, XXXX XX/XX/XXXX XXXX REPORTS TO IRS FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$9600.00} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a XXXX number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? XXXX CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT REPORTING & SELLS THIS DEBT CARDHOLDER NOT LIABLE? XXXX HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.