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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Credit reporting

There is a medical collection debt on my credit from a XXXX XXXX that does not belong to me. I have disputed with all XXXX credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me.
Product: Credit reporting or other personal consumer reports

Hello I have multiple unauthorized hard inquiries I placed fraud alerts on my credit and contacted each credit bureau and they stated they do not have my information or I never submitted a application or had a account with them but when I try to contact the 3 major credit bureaus ( XXXX, XXXX, and Experian ) they state they can not dispute without deletion from the reporting agencies. My credit was compromised between XXXX current of fraudulent/unauthorized activity, here is the current list : 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 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I notice inaccurate information on my credit report. I disputed it XX/XX/year> and received no response. I have proof its inaccurate which you can see on page 2 of XXXX account. 
Bankruptcy XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Two fraudulent accounts opened in 2018 and 2019 by deceased sibling. Police report filed
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report when I suddenly have encountered these unauthorized inquiries that I never permitted for any of these companies to pull. It's stressing me out because these are not supposed to be here, and it's affecting my credit scores.
Product: Checking or savings account

I am filing a complaint against Bank of America for unfairly closing my business account due to a fraudulent check that was unknowingly deposited as part of a scam targeting my company. My business, XXXX XXXX, was the victim of a business email compromise scam in which a fraudster impersonated a procurement officer from XXXX XXXX XXXX and issued a fraudulent check for {$45000.00} as payment for a medical supply order. At the time I received the check, I had no reason to believe it was fraudulent. Upon depositing the check, Bank of America flagged it as suspicious and, without providing me with adequate notice or an opportunity to resolve the issue, proceeded to close my business account. 

As a responsible business owner, I immediately reported the scam to the Federal Bureau of Investigation and the Federal Trade Commission as soon as I discovered that I had been targeted. I fully cooperated with authorities and took steps to ensure that no transactions were completed based on the fraudulent payment. Despite my due diligence, Bank of America took unjustified and extreme action by shutting down my account, even though I was the victim of the scam and had no involvement in fraudulent activity. 

The account closure has caused severe disruptions to my business operations. I have been unable to process transactions, pay suppliers, or access my business funds, leading to financial instability and reputational damage. Additionally, Bank of America has not provided a clear explanation or any supporting documentation regarding their decision. I believe this action was taken unfairly and without consideration of the circumstances. 

I am requesting an investigation into Bank of Americas decision to close my account, as well as a formal explanation of why this action was taken. If reinstatement is not possible, I request that Bank of America provide a detailed written justification for the closure and assist in mitigating the negative impact this has caused on my business. I also seek assurance that this action will not negatively affect my ability to open accounts with other financial institutions in the future.
Product: Credit card or prepaid card

XXXX from cap XXXX fraud called told me there rebilling me XXXX for a charge to the XXXX hotel where i never stayed or authorized even though i file a police report and there advertising XXXX fraud liability there need to be investigated for violating the XXXX and false and deceptive practices
Product: Debt collection

Credence Resources Management contacted me through email, from there I made an attempt to contact them over the phone to attempt to resolve the issue with my debt knowing full well that this entire debt was cause by an integrity issue with XXXX after my wife had a XXXX and could no longer work. But also the lies kept coming. XXXX lied saying they would suspend my account when I told them to. They didn't, plus told me they would lower a bill when i returned equipment which i had already returned. They didn't. Then the debt collector tried to tell me how the return process was done with XXXX which he knew literally nothing about. So he lied about that and also tried to also give me the runaround snd tried to justify my debt with XXXX when he pretty much told me that even though i had asked XXXX to suspend my account and i was told i would not incur any more charges to my account by the representative 's I had spoken to from XXXX. Furthermore the debt collector continued to push me to pay up or they would continue to hit my credit which I would consider to be a threat to my lifestyle.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two late payments reporting that shouldn't be I called the company and advised them of my hardship due to the COVID shut down. I was informed of the help and that it wouldn't affect my credit status. Please help assist
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Consumer IDXXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX NY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX. Account Number : XXXX
Product: Credit card

Chase United Airlines XXXX XXXX XXXX promotional offer not honored Attachment 1 : Email offer I received and responded to through the link in the message " learn more '' Attachment 2 : Verification that I received my card XX/XX/XXXX. 

Attachment 3 : offer details I spent more than {$12000.00} on the card since I received it which is well over the {$5000.00} required and within the 90 days specified in the offer. It isn't even 90 days now, so I am still within that window. They did award the XXXX miles but not the 2000 PQP. 

I have escalated this twice already and get a one-line letter a week later saying that my card is not eligible for the offer '' The offer was sent directly to me ( attachment 1 ) by Chase and the 2000 PQP is the only reason I agreed to get this {$520.00} credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Product: Credit card

I recently had a frustrating experience with a furniture delivery that I'd like to share. The delivery team arrived but quickly assessed that the box wouldnt fit through my doorway, even though another company had successfully delivered furniture to my apartment before. The driver didn't measure anything ; he just assumed it wouldn't fit. I suggested they take the furniture out of the box, as I had paid for delivery to the room of my choice and wasn't concerned about how they managed it. 

While I was on the phone with the furniture company discussing the situation, the driver drove off with my furniture. Several days passed without any updates, and when I finally heard back, they wanted to know if I wanted redelivery. I had taken a day off work for this delivery, and I have a witness who saw everything unfold. 

To make matters worse, my credit card company, Chase, claimed that I had canceled the order and imposed a cancellation fee. Yet, my credit card has been charge the full amount. This didnt make sense to me since the delivery team left with my furniture without even taking it off the truck. The driver had mentioned that the furniture would get dirty if he delivered it, but I was okay with that as I had also purchased a warranty for it. However, I was charged an extra {$100.00} for this warranty, which I found questionable since it wasn't clear on their website. Along with another XXXX dollars for brackets to hold the couch together. I had to change the order and called in and they up charged me XXXX dollars. 

It feels like a scam, as by Illinois law, the company should honor the contract by delivering on the agreed date. Instead, they're claiming I canceled. I attempted to arrange redelivery, but they now want to charge me {$300.00}, which is ridiculous. When I inquired about cancellation fees due to their shadiness, they informed me they had already disposed of the furniture and Id have to reorder it. 

Chase also refused to refund me, insisting I canceled. I only refused to take the furniture after they drove off with it. Even now, in trying to resolve the issue, they are still trying to charge me that additional fee. It's incredibly frustrating, especially since they no longer have the furniture, and I believe a refund is due.
Product: Mortgage

In XXXX of 2020 I requested forebearance due to Covid 19 hardship with Santander /XXXX ( mortgage holder is XXXX XXXX XXXX XXXX. 
Under CARES act when residential owner is requesting forebearance the payments are placed at the end of loan/mortgage terms. 

Santander/XXXX  continues to charge late fees, demanding monthly payments and threatening with foreclosure. 
When I call, I been transfered between reps and at all times hang up after hours being on hold! 

Also, under CSRES Act there should not be any negative reporting to credit unions. 

This entities needs to be investigated for not obeying the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion and requested information in which I have yet to receive a response. TransUnion is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A EMAIL AROUND THE XX/XX/XXXX ADVISING ME OF A BREECH WITH EQUIFAX THAT CONSUMERS INFORMATION FROM EQUIFAX HA BEEN COMPROMISED THRU A 3RD PARTY. I DONT CHECK MY CREDIT OFTEN BUT I DECIDED TO AROUND XX/XX/XXXX AND ALL THE INQUIRIES I DINT RECOGNIZED I SENT CERTIFIED LETTERS TO ALL COMPANIES ASKING TO REMOVE I DIDNT AUTHORIZED THESE INQUIRIES. SOMEONE RECENTLY HACKED MY BANK ACCOUNT WITH XXXX AND GOT INTO MY BANK ACCOUNT AND ALSO THEY BEEN TRYING TO GET LOANS WITH MY BANK. THESE INQUIRIES WERE NOT REQUESTED BY ME AND I WANT THESE REMOVE FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXXL -- -XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX===========XX/XX/XXXX XXXXXX/XX/XXXX, XX/XX/XXXX/, XX/XX/2019
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX  and its use of XXXX different debt collection agencies simultaneously to collect a single debt. This practice is not only confusing and harassing but also appears to be a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe XXXX XXXX XXXX has violated the following provisions : XXXX. XXXX USC XXXX ( XXXX ) ** : XXXX XXXX XXXX has listed the debt without my written consent. I did not authorize the sharing of my information with multiple debt collection agencies, which constitutes a violation of my privacy rights under this section. 

XXXX. XXXX USC XXXX ( b ) ** : The information being reported by XXXX XXXX XXXX is inaccurate and not up-to-date, given that they are using multiple agencies to collect the same debt. This results in a misleading representation of my creditworthiness. 

XXXX. XXXX USC XXXX : XXXX XXXX XXXX has failed to properly investigate and correct inaccuracies on my credit report. Despite my requests, they have continued to report erroneous information, causing undue harm to my credit standing. 

Details of the debt collection agencies involved are as follows : XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX I have attached copies of all relevant documentation, including communications with the debt collection companies I request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant regulations under the FCRA. Additionally, I seek the removal of any inaccurate information from my credit report and cessation of any further attempts to collect this debt in the manner described. 

Furthermore, under XXXX XXXX Code XXXX, XXXX XXXX XXXX is liable for willful non-compliance with the FCRA. If they fail to delete this inaccurate item after my dispute, they owe me {$1000.00} per item for each instance of non-compliance. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX
Product: Checking or savings account

I open an Ally account last 2 weeks, I made a {$3000.00} check deposit from another bank that I closed the account, while having Ally I made XXXX transfer from one of my account to another which I found weird since it took 1-2days to do the transaction, I call Ally about it and they told me that using XXXX for yourself will prevent the fast delivery since the system notice its yourself sending the money. At first it made sense but then I realize that I was doing this same thing when I used to have chase and XXXX with no problem. 
A day after the check deposit was reflected, I notice my XXXX was lock which the app tells me to call Ally. I did the call, and they ask me if I have use any other machine to log in into my account I told them I use my XXXX or XXXX, they proceed to tell me that someone was trying to hack my account and that due to security reasons my account needed to be on hold. At first I was worried and ask them if I can take some money out since I needed to make payments, they tell me that while the account is on hold and under investigation that I couldnt access my money. 
After 2 days I notice that I cant access my Ally bank app and it tells me that I have to call them. 
I call Ally and they now tell me that my account is under investigation because apparently there were suspicious transactions in my account, one of them been XXXX  which is the merchant I use to receive payments for my store. When you open your account they ask where do you work. Im a XXXX and I own a XXXX XXXX, the current way I get income is by accepting payments with XXXX. Every Monday, the deposit from XXXX goes to my bank account I explain this to Ally and they tell me that the deposit needed to be under my name and not my store name and that even if I clarify that, they still needed to have someone investigate the account. My 3rd time in a different day calling Ally, and at this point Im upset, Im unable to use the money on my account because Ally made it seem that im not an account holder Im locked out from the entire bank and I can only just call them to check the status of the investigation, they tell me that the investigator needed to see if they want to keep me as a customer or just closed the account and send me the check to mail, Ally doesnt known when this can be done, they dont give you a time frame, NOTHING. My $ XXXX funds are now in a account that I dont have access too until Ally finalizes their investigation. The funny part is that the 3rd caller tells me that since they are an online bank they almost red flag everything. Why did I choose this mediocre bank? I did my research and I wanted to have a account where I can save or hold some money and Ally had this high APR interest but to me honest I rather go back to chase or XXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

I intended to purchase goods from a user on CashApp, I was going to purchase 2 concert tickets and transfer only half of the amount for one ticket in good faith to ensure the transaction was legitimate. The person took the money, and never sent the ticket which is a dispute concern of no merchandise received. When I attempted to request the money be returned, the user then refused and blocked me. I went through cashapp and submitted a case for review reference ref : XXXX via email. After telling them what their responsibilities are in reference to the updated info supplied by the CFPB regarding XXXX companies and their due diligence to consumers regarding the EFTA laws they chose to state they are not responsible and closed my case out stating it had been more than 3 days since they received a response from me when that was not the case and all of this took place in one day on XX/XX/2022. They are flat out ignoring federal law and their own due diligence. They refuse to even investigate or initiate a chargeback even after I presented them with links from the CFPB website regarding their responsibilities. The amount was for {$55.00} dollars on XX/XX/2022 and the funds were taken from a XXXX card which has rights to dispute under chargeback reason code merchandise not received. It will be disputed now through my bank for this purpose since the merchant refuses to take any action at all to protect me as a consumer in this situation. More consumers will be taken advantage of if nothing is done to hold entities like this accountable for their blatant lack of action or regard for the law. Thank you for your time, I am here if any further information is required as I have the email chain with CashApps manager I spoke with, the chat chain with their representative, and proof of conversation with the alleged seller of the concert tickets in regard to what the agreement was to be regarding the sale of said item. Have a wonderful day.
Product: Debt collection

I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency National Recovery in the amount of {$82.00}. This debt has not been validated and the credit agencies, XXXX   and XXXX are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this XXXX credit card, used it and paid it in full with a XXXX  balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX  who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete XXXX 's erroneous reporting.