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

On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX, and others. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
Product: Checking or savings account

Overnight the night of XXXX, XXXX 2023 Currents ap locked me out of their ap requiring me to revering to log back in and revering my info. I started this process Once I started getting notifications on XXXX at XXXXXXXX XXXX that bills werent being paid. I l followed up promptly them via email since that is the only way they allow you to contact them once you are locked out of your account that I needed access ASAP as items werent clearing because I was unable to move money from savings to checking. was unable to log back in and I got a message someone I received an auto message at about XXXX XXXX someone would be in touch still within 24 hours. 
I still didnt hear back at XXXX and since I cant contact them in any other form and was naturally having a near XXXX XXXX still unable to access money emailed them again to request someone get back asap. 
Finally at XXXX XXXX I got a message from XXXX with current asking for a selfie with a copy of my id. I sent the selfie with my passport and a copy of my passport alone back at XXXXXXXX XXXX again asking to please rush as it is causing me fees etc not being able to access my account and soon I would lose utilities if I could not access my money. 
At XXXX XXXX XXXX I still had not heard back and at this time I cant sleep, panicking. I emailed currents help desk and XXXX back indicating I was still waiting. 
I tried to log back in to my account at that time which it still says I didnt have access and their system created another helo desk ticket. 
XXXX I now dont have internet now because XXXX cant pay my bill and have to go to a truck stop to use their internet at XXXX. Emailed XXXX and help desk again to indicate I am still waiting. 
XXXX at XXXXXXXX XXXX I still had not heard a word and I emailed them back again to let them know I would be filing a complaint. I still havent heard back and its XXXX XXXX I am hysterical. I dont know what to do. Can you please help?
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consent.
Product: Credit reporting or other personal consumer reports

I reported the missing cards on my credit report and the companies responded with letters with the information about those cards, so the cards do exist, but no one explained who removed them from the credit bureaus. 
I called XXXX in XXXX XXXX XXXX to report this issue and this told that credit cards may not report, that I need to contact them to see what happened to the card information deleted from my credit report. 
XXXX XXXX : XXXXXXXX XXXX  {$7800.00}, XXXX XXXXXXXX XXXX  {$580.00} XXXX XXXX XXXX {$4900.00} ( this is new and was not reported before to CFPB ), XXXX XXXX {$1200.00} and XXXX {$6800.00} I am still waiting the information on my credit report from XXXX. 
Transunion and XXXX have the information deleted too.
Product: Debt collection

On XX/XX/2024 National Credit System Inc contact via email to negotiate an alleged debt with them. I replied the email, contact them via phone and sent a certified letter with receipt to sender with a XXXX XXXX XXXX. They received the letter XX/XX/2024 and after 30 days ( XX/XX/2024 ) the letter was not responded. All evidence can be provided as request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against Experian, XXXX, XXXX, and XXXX  XXXX for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, XXXX, and XXXX  XXXX for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my XXXX  XXXX credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on Experian and XX/XX/XXXX on XXXX and XXXX. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer " XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against XXXX  XXXX and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and XXXX  XXXX regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter.

As per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. 

I have already tried to resolve this issue directly with Experian, XXXX, XXXX, and XXXX XXXX but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. 

Link to the Cyber Attack Explanation from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely,
Product: Checking or savings account

I had a high yield savings account with American Express for over TEN YEARS. i started a new career and my first paycheck deposited {$50.00} to this account. While waiting for the remainder of my paycheck to arrive in mail I needed to use MY {$50.00} that I choose to put into my ten year old amex savings account. I updated the transfer bank accounts on the savings so I could transfer half to my new XXXX checking and rest to my providers checking. I verified the silly small deposit amounts successfully of course and input the two transactions. AMEX WITH ZERO GROUNDS OR REAL VERIFIABLE RED FLAG OR REASON AMEX REVERSES BOTH DEPOSITS WITHOUT MY APPROVAL AFTER FUNDS LEFT THEM AND WENT TO OTHER ACCOUNTS CREATING A GREAT DEAL OF STRESS, problems and effecting my life and new job. They sent me a tacky email saying to call them with zero reason so I step out of my office to call and tbey cant put me thru or tell me anything and wasted my time and then looked online to see they reversed my transfers and withheld MY MONEY WITH ZERO GROUNDS OR VALID REASON. I PASSED ALL THEIR RUDE STUPID VERIFICATIONS YET THEY NEVER LET UP ON THEIR HARASSMENT AND VIOLATIONS AND ABUSE ON ME, MY LIVLIHOOD AND MY RIGHTS AS AN AMERICAN CONSUMER. I SPOKE TO XXXX WHO WAS NASTY, RUDE, DISHONEST AND PURPOSELY DID NOT FOLLOW MY INSTRUCTIONS AND ORDERS ON CLOSING MY ACCOUNT. SHE WAS THE WORST HUMAN IVE EVER ENCOUNTERED IN MY LIFE AND HAS NO PLACE HANDLING OTHER PEOPLES MONEY. SHE IS MENTALLY UNSTABLE AND HORMONALLY UNBALANCED TO WORK IN A PUBLIC POSITION. 10 years means nothing to American Express as we are just a number and they have XXXX value in their customers and all they care about is ruining lives and stealing money from struggling citizens over ridiculous {$20.00} transactions. Ive never been treated so bad in my life XXXX instead of finishing the Transfers She reversed them without my approval, and now I have no idea how or when Im getting my money which is not how people should be treated. No money is safe at American Express. I want my money and I want it ASAP.
Product: Credit reporting or other personal consumer reports

The missed payment from XXXXXXXX XXXX  Its a payment processing error. I made the payment in XX/XX/year> on time
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted this complaint to this company and have not received the desired results. Based on the information provided, this company should remove all late payments listed in the documents provided. According to 15 usc 1681b, My written instructions are necessary to furnish this information and to also create change where i see fit. Please assist myself and this company with remedy, this is indeed my FINAL attempt at civil mediation.
Product: Debt collection

XXXX XXXX XXXX XXXX is attempting to collect an assumed debt that is well beyond the statute of limitations and by law is not allowed to be collected past the statute of limitations on the type of debt. A debt validation letter was requested and have not been received. This collection was placed on my credit report by TRANSUNION without me being notified and without being verified. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had about XXXX XXXX ( value XXXX USD ) in my TrustWallet ( XXXX ). 
My ... entire life savings. 
That day, the TrustWallet software presented a transaction to me as having a cost of XXXX XXXX In reality, thieves managed to trick the Trustwallet interface ( a bug! ) and drained ALL my life savings, a few lesser valued coins notwithstanding. 
I am XXXX now, and I feel my life is ruined. Ever since, I don't sleep. 
I wrote to TrustWallet. To no avail. My first reaction was of course to write TW, in XXXX. They did not propose a settlement at the time. They wanted to know everything from me to address the bug and then... left me with all the damage. It is why I had to escalate. I went to the XXXX XXXX police with this, and my lawyer. 
My lawyer investigated TW and found it they are open to " Arbitrage '', in California. Something I was unfamiliar with, as a XXXX. 
In an attempt to avoid lawsuits and sort this in friendly manner, my lawyer then pointed me to you to give TW a chance to solve the matter fairy and amicably.

If the real damage has to be claimed ( co
nsequences of the theft ), it is going to be factors more so I hope TW will take ownership of the bug in their Software and take responsibility for the disastrous consequences at my expense.
Product: Credit reporting or other personal consumer reports

I am having a hard time understanding why and how this account is still reporting on my file- when I have continuously requested for your company to remove it because it is inaccurate. This inaccuracy has affected my credit score, thus affecting my entire plans of getting financial help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to bring to your attention a matter of significant concern regarding the accuracy of my credit report. After a thorough review of my credit history, I have identified inaccuracies that are adversely affecting my credit score and limiting my financial opportunities. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Upon reviewing my credit report from your bureau, I noticed several instances of reported late payments that I believe are inaccurate. These late payments are erroneously attributed to my account and have been persistently impacting my credit score. I have attached a copy of my credit report with the disputed items highlighted for your reference. 
I would like to request a thorough investigation into the accuracy of these late payment entries. I have always made timely payments, and these inaccuracies are unjustly affecting my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of these inaccurate late payments from my credit report. I kindly ask that you conduct a prompt and thorough investigation into the matter, verify the accuracy of the information, and make the necessary corrections to my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXXXXXX
Product: Mortgage

I have attached all the documents regarding my dispute claim against M & T Bank with respect to mortgage account number XXXX. 
Please be advised that I was never made aware, either by M & T representatives, whom I was in constant daily telephone contact, or the home appraiser, that I was responsible to pay the cost of {$38000.00} for the home appraisal. I only became aware of the charge the following month when I saw the charge added to my monthly mortgage payment. Since then I have been approved for a reverse mortgage and the balance of the mortgage loan has been paid off, and the service fee charge for the home appraisal was added to the paid off amount I want to be reimbursed for the unauthorized charge. Please let me know I you require additional information, if not please process my claim against M & T Bank As Soon As Possible. Thanking you in advance. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ACCOUNT # XXXX 1.DATE OPENED INCORRECT XX/XX/2017 2. DATE OF LAST ACTIVITY XX/XX/2017 3. ACCOUNT NUMBER INCORRECT # XXXX 4. PHONE NUMBER DISCONNECTED XXXX 5. DOES NOT MEET REQUIREMENT OF THE FAIR CREDIT REPORTING ACT 6. LAST PAYMENT INACCURATE 7. ONLY BUREAU REPORTING A CHARGE OFF EVERY MONTH 607. Compliance procedures [ 15 U.S.C. 1681e ( B ) Accuracy of report. 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 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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 ; I received my dispute results back from Experian and its still showing inaccurate information for XXXX XXXX Experian is saying that they have correct validated information and that it MEETS REQUIREMENT OF THE FAIR CREDIT REPORTING ACT.. I have original documents with correct information where are u getting your data from.. youve been in complete violations of Multiple laws for over 3years Account number incorrect. Open date incorrect. Balance is incorrect also phone number is disconnected.. delete this account its not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with Discover through a soft credit inquery and was denied. I then only switched the value to the desired amount ( less ) for credit and resubmitted, though this time they treated it as a hard credit pull without explicitly stating this information up front. 

I've called Discover multiple times about this and they stand firm that they are right and I should have known that this minor adjustment within the application would trigger a hard credit pull. 

This is total XXXX XXXX that they are standing by this, they don't even know what the web portal looks like, but are comfortable saying I should have known. I've talked to them on the phone for hours and they are not helping me, it's mind blowing that they can stand firm on something they don't even know about, nobody I talk to even knows what the credit application looks like or includes. 

I want this removed, it is not right and Discover mislead me by saying it was a soft credit pull and did not clearly state this minor adjustment to the application would evolve into a hard credit pull.
Product: Debt collection

I have been receiving calls from Mr. XXXX who will not give his company name but states he is collecting a credit card debt that I owe Providian now Chase Bank for XXXX and that they have been trying to serve me papers but have been unable to reach me. Mr. XXXX states I was sent a letter on XX/XX/2021 explaining I am being sue and I have not responded He did repeat my actual social security number, my date of birth and place of employment. He stated that they were going to show up at my job and serve me papers and have my wages garnished, and that will ruin my credit. Problem is I have never had a card with Providian or Chase Bank I explained that to him and he said it was an old debt and since Providian was bought out by chase bank they have a right to collect this debt. I ask to be mailed validation that I owe this debt and he said they mailed it in XX/XX/2021 and that they are only required to mail it one time so if I lost it that is my problem. I have never received anything from anyone regarding being sued for a debt. I have a credit score as of today of XXXX and there is nothing on my credit report as of today. they have already called me back 5 times in the last few days. I hang up but am concerned that they have my social security number, date of birth and place of employment. The number Mr. XXXX calls from is XXXX and they say my file number is XXXX with so many scams out there I thought this needed to be reported. Per Chase Bank they have no record of this.
Product: Debt collection

I received two threatening telephone calls today from XXXX ( " XXXX XXXX XXXX XXXX  '' out of Michigan ) regarding a credit card bill, which was charged off over 7 years ago. They acquired ( purchased the file ) onXX/XX/2018. They said they were going to serve me papers between the hours of XXXX and XXXX regarding a lawsuit filed against me. When I contacted them with questions, I was hung up on several times, told to " pay your bills '' and " XXXX '' twice. I was also called a " XXXX XXXX ''. When I told them not to call me at work, they said they had no choice but to serve me. When I asked what my address was they began giving me several, all of which they obtained by doing a XXXX search. The representative confirmed this and told me that if " you are going to mention the company, get the name right '' ( I said XXXX because of nerves ). She then hung up on me. Representatives from Law Firms that specialize in collections leave false information and threats ( I've had this happen previously many years ago when I lost my job ) and contact any person with the same last name, always leaving the same messages for family members regarding the person they are trying to collect from. Their behavior is unethical, unprofessional, and completely disrespectful. Additionally, they threaten and give unlawful information. This company, in particular, needs to be fined and shut down. Their communication practices are unacceptable and unlawful.
Product: Checking or savings account

My unemplyment was deposited with Paypal because I dont have an account. They are holding my funds even after I sent everything they've asked for. They say it'll remain on hold for 180 days. I've sent them more than enough to verify my identity and now they've stopped responding to me. This is very much illegal. My children are suffering thanks to them. I have no means to pay anything and I've told them so.