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

I submitted a copy of my driver 's license and social security card to Transunion requesting that addresses be removed that were inaccurate and that the only address that should be reporting is the current address that is on the ID. I received an updated consumer reports dated XX/XX/2022 File number : XXXX continuing to report the incorrect addresses there are XXXX addresses that need to be removed. I also sent in another letter to Transunion concerning disputed accounts with another copy of the ID and a bill showing the correct address prior to XX/XX/2022 and they have yet to correct the information. 

During the investigation process Transunion reported was complete provided them with information that allowed Transunion to verify and update accounts that were under dispute by me. In my initial correspondence with Transunion I asked for all current documentation that allowed them to publish the disputed accounts on my consumer report and any information that was received during the re-verification and no information has been sent to me as of yet to explain how the information was originally verified or re-verified. Please have Transunion mail all of the information obtained to my address that is on file with Transunion at this time. 

The employment information is incorrect as well. XXXX is not an employer of mine. Please have this information removed as well. It shows that I am an " admitions emergenc ''. I am a Registered Nurse and have been for decades. This information is a violation of my privacy and shows multiple XXXX violations. I will be sending over an invoice to Transunion for all of the violations once this is complete. 

Thanks in advance CFBP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian and the other credit bureaus several times regarding an incorrect report on my credit report. I have XXXX XXXX my federal loans. My credit reports are showing that I was late with payments to XXXX from XX/XX/XXXX-XXXX ( or XXXX ) XXXX on one of my federal student loans. I spoke with a XXXX representative in XX/XX/XXXX who looked at my account and verified that I was never late during this period and never received any sort of notification that would indicate such. In fact, there was no delinquency showing on any of my credit reports until XX/XX/XXXX, which was suddenly reporting that I was several months past due. Apparently there was a balance generated in XXXXXXXX XXXX system associated with my forbearance 5+years ago, that should have been covered by my payment and wasn't, and was never communicated to me, despite my account being in autopayment and making timely monthly payments. The XXXX representative indicated she was escalating this matter to the credit reporting division, and that it would be corrected in about two weeks. Again, in XXXX XXXX and the credit bureaus was supposed to be correcting this incorrect information. Despite this, I keep getting notified from Experian that the investigation is complete, and yet the information is still the same ( see attached screenshot ) .This reporting is negatively affecting my applications for credit. I sent my XXXX statements to Experian et al showing that I have never been notified of any delinquency on this account, and told them how unfair that I as the consumer have to prove my innocence, versus the debtor having to prove this a valid debt ( apparently the debtor just has to acknowledge its reporting is correct and that is sufficient ). I have asked Experian et al and XXXX several times to re-investigate this matter. They each claim they have looked into it, and yet I am still seeing this error on my report. Attached to this complaint are my statements from XXXX showing my account information. The payment summary in the top right corner shows when XXXX received its last payment, when the next payment is due, and for how much. As you will see, there is never a late amount mentioned or due. Though I strongly resent having to prove I'm not responsible for this reporting, I will gladly turn over anything in my possession to help clear this matter.
Product: Credit card or prepaid card

On XX/XX/2022, I was charged by XXXX XXXX for a procedure in the amount of {$2500.00}. Once my insurance paid XXXX XXXX, the statement said that I was to pay my portion -- {$850.00}, not the {$2500.00} that XXXX billed me. 

I repeatedly tried to get a refund from XXXX XXXX to no avail. Since they were ignoring my request for a refund, I submitted a dispute with my credit card company through Bank of America. 

I submitted proof of my payment of {$2500.00} to XXXX XXXX, a statement from my dental insurance showing that I was to pay XXXX XXXX only {$850.00}, and requested a charge back in my favor of {$1600.00}. 

They responded with a letter saying that my claim was denied due to insufficient documentation. I called the dispute center and spoke to a supervisor who said that he could see that all the documentation was there. He said that he would reopen the case and I should hear back from them, shortly. 

Today, I received a letter from Bank of America saying they were investigating my claim against XXXX XXXX XXXX in the amount of {$100.00}. I never submitted a dispute against XXXX XXXX XXXX! Bank of America should not be disputing any payment I made to XXXX XXXX XXXX. 

I respectfully request that you help me recover the {$1600.00} due to me from Bank of America. The dispute has been properly documented and clearly shows that I was overcharged by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home. Closed XX/XX/XXXX. PHH mortgage services still has not updated my credit correctly paid in full. They are harming my credit Im trying to buy a new home They also took over 18 days to send a payoff missing first deadline costing me more money in housing legal expenses. They lost documents refused a manager a direct number scanned documents wrong lied to my attorney then received payoff and held it for five days I want my credit fixed immediately Im in underwriting they are horrible to the point of complete utter insanity I want to update address for any refunds and I want to see recorded discharge immediately this is urgent
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXXXXX XXXX account is being shown late XX/XX/XXXX and XX/XX/XXXX. This information is innacurate and untrue. I have asked for several investigations to be conducted all of which were ignored. I have the right to privacy and this information is being shared without my permission. At some point I will have to take legal action if it is not removed immediately. 

XXXX XXXX Remove these late payments immediately. This information is hurting my future and I will sue for every infraction.
Product: Credit card or prepaid card

I tried using my Cash App debit card to make a purchase at XXXX. The transaction was declined, but the amount was removed from my Cash App balance anyway ( minus a 10 % " boost '' ). Basically, I should have {$65.00} more in my Cash App balance than I do.
Product: Credit reporting or other personal consumer reports

this information was disputed back in XXXX XXXX XXXX XXXX. this was disputed and cleared from all three credit bureaus, and recently but back on my credit report, this was theft and people got credit in my name without my permission, remove permantely. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX TRANSUNION, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX XXXX XXXX  {$250.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report
Product: Credit reporting

XXXX   XXXX  Inquiry  XX/XX/2017   .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to   XXXX   on the evening of  XX/XX/2017    to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what de als I may  qualify for and the applicable terms. He tried  XXXX  times to CONNECT with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an  XXXX  of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was becaus e no one fro m their end ever called or chatted with  XXXX  or myself. To date,  XX/XX/2017   , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the credit score that was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XX/XX/2017   . I expect for the inquiry to be deleted IMMEDIATELY.
Product: Debt collection

I, the natural person IS NO RESPONSIBLE FOR THIS DEBT. I keep receiving mail saying i owe this debt. 

all information is included in the affidavit of true pertaining to where this company went wrong.
Product: Credit reporting or other personal consumer reports

This was a total waste of time. They sent me a copy of my report but still don't send a copy to requestor. My security questions don't reflect items in my report. I can't get past the security questions on my own report. Thanks for nothing I was denied a XXXX XXXX because they didn't provide a copy of my report. I can't use XXXX XXXX cause they say hey can't prove it's me on my transunion.
Product: Credit reporting

XXXX XXXX located at XXXX XXXX XXXX. XXXX, SC XXXX, I was living with someone at the time, management advised I had to go on lease as I occupant over the age of XXXX, but I will not have any financial responsibility because im not a leaseholder, lease holder defaulted on the debt and the past due balance of XXXX prior collection agency removed from my report, however new agency placed account back on my report.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/2023 Friday Bank of America, XXXX. 
Consumer Financial Protection Bureau XXXX : Consumer Financial Protection Bureau XXXX : Inquiry Regarding Banking Practices and Legal Obligations Reference : XXXX. Consumer Financial Protection Bureau XXXX ( XXXX pgs. ) XXXX. XXXX XXXX ( XXXX pgs. ) XXXX. CFPB Complaints : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Bank of America XXXX Consumer Financial Protection Bureau XXXX XXXX am reaching out to file an additional compliant on certain banking practices and the legal obligations that banks must adhere to, particularly in relation to customer information and potential retaliatory actions. 

I have recently encountered situations that have raised concerns regarding the sharing, closing accounts being investigated, selling/sharing of clients personal information, and withholding of information. I am seeking information to better understand the bank 's policies in these areas and how they align with relevant legal regulations. Specifically, I am interested in whether it is against the law for a XXXXXXXX XXXX to engage in retaliatory actions against a customer who seeks information or lodges a complaint. 
XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Transparency is crucial in maintaining trust between customers and their financial institutions, and I believe a clear understanding of these matters is essential for both parties. If there are specific legal provisions or guidelines that govern the sharing, closing, selling, and withholding of customer information, I would appreciate it if you could provide me with relevant details. 

I appreciate your attention to this matter and look forward to receiving information that will help clarify these aspects. Thank you for your prompt response and assistance. 

Respectfully submitted, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was currently planning to acquire a house for my family and this fraudulent inquiry on my consumer report really affected me a lot that I can't even move forward with my life. For your record, this has caused me so much trouble. This needs to be removed from my report.
Product: Credit reporting or other personal consumer reports

the company spring capital bought my debt from original company and i do not have a contract with spring oaks capital llc they dont not have my written consent to report on my consumer report they did not send a copy of 1099c that the company filled so that i can file with irs on my behalf also the selling and purchasing of my debt is a violation of my privacy this company is in violation of 15usc1692 ( g ) 15usc6802 15usc1681 ( b ) 18usc1028 ( a ) spring oaks capital llc XXXX. XXXX  XXXX, XXXX va,XXXX  acc # ending in XXXX
Product: Credit reporting or other personal consumer reports

accordance with the fair credit reporting act, this creditor, XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/22, I went to the Truist branch at XXXX XXXX XXXX in XXXX, FL. My new Truist dbc would not accept in the atm for me to make a cash deposit. The only option I had was to make a cash deposit via their night drop services. I placed {$84.00} cash in an envelope, which consisted of {$83.00} in paper bills and {$1.00} in coins. I wrote the amount on the front of the envelope with my account information and made the drop. On XX/XX/22, I noticed my account was only credited {$79.00} and there was {$5.00} missing. I attempted to engaged Truist via multiple channels ; via XXXX XXXX, via online chat through my online profile, called the customer service number of XXXX and even called their Fraud Dept at XXXX multiple times. 

I am told via XXXX XXXX someone will back me back and that did not happen. 
I am told via chat at XXXX someone will be right with me ; however, it is now XXXX and no response. 
I am told by Customer Service, after a 1 hour hold time in queue, to go to the branch, which I can not as I tested positive for COVID on Monday morning and self-quaranting so referred to Fraud to file a claim. 
I called Fraud Dept. multiple times and after 45 - 60 minutes hold, the call drops to another queue only to be told to call back. 

I would just like the {$5.00} credited to my account for the correct amount I made and with an effective date of XX/XX/22 to eliminate any return or insufficient charges I might accrue on the account.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I sent a rent application, then on XX/XX/2020 it was approve by a lawyer and was told to deposit money to secure until I would be able to move in. I sent the money {$1600.00} via XXXX  XXXX  and was told the keys and documents of the home would be sent overnight. I waited but nothing came I then looked their number up and it appeared on a scam website along with their name. I texted them on multiple occasions without a response, I have called them and also tried requesting my money back but she declined it and then blocked me on the app. I have filed a fraud claim with my bank XX/XX/2020 I sent them many screenshots from the day I filed the claim to XX/XX/2020 but was told they couldnt do anything in my favor because I used a third party app. I had also emailed XXXX XXXX  on XX/XX/2020 and XX/XX/2020 and they told me they couldnt refund me my money but I am able to file a dispute with my bank and they would be able to have the right people help me out. I called my bank again and told them if I could file a dispute but they told me it really wouldnt be necessary for me to file one because it would be very hard to get my money back. I made a police report on XX/XX/2020 as well and havent heard anything back.
Product: Credit card or prepaid card

I opened a secure credit card {$2000.00} 4 years ago with US Bank When I filed for bankruptcy to build my credit I was told my account would be reviewed after12 months to get an u secure card or upgrade my current account to unsecured account. Its been 48 months I have never heard anything from US bank about upgrading my account so I requested a review of my account I have never been late nor exceeded my credit limit in the past four years I have obtained XXXX creditors all in excellent standing never late and all paid in full with no balances zero debt obligations! My income to debt ratio is less 10 % I have a car loan in excellent standing! Yet I was denied stating I have delinquent accounts? I have zero delinquencies I only have my bankruptcy which was closed in XX/XX/2018 this was the reason for opening this account to improve my credit. My credit score thru US bank system reads XXXX on my reports Im at XXXX. The letter I received from US BANK makes no sense.
Product: Debt collection

Original Creditor : XXXX XXXX Placed for collection : Midland credit management Att : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Account number XXXX Amount : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XX/XX/XXXX) XX/XX/XXXX, ( XX/XX/XXXX ) Reporting 30 days late ( Account Never Late )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I signed up for a {$1.00} trial of CreditCheckTotal. I had used them for a number of months in XXXX. 

I pulled my credit report immediately, successfully, and I then attempted a cancellation. I called, but was told it would be a 3 hour wait. I hung up. 

I called the next day, XXXX XXXX, and was told it'd be a 3 hour wait. I hung up and replied in their welcome email this message : " I requested to end my trial after signing up. Please let me know if it's been done. Thank you. '' No reply came. 

I realized I'd assumed a lot in my last message, so I called again on XXXX XXXX, finding out I'd be on hold again. I replied ( in the same welcome email ) : Please cancel my CCT account. Thank you. I called your 800 number, but was told it'd be a 2 hour hold. 
Please cancel my membership. '' I forgot about it. 

Today, Tuesday, XX/XX/XXXX, they charged me {$29.00} since my account was not cancelled. 

This is wrong. They say they won't refund any fees, but also will not respond to requests for cancellation unless one stays on hold for hours to speak to a sales rep. This is highly immoral. It's thievery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus Equifax, XXXX, and XXXX this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act
Product: Checking or savings account

I am unable to join or establish membership though I am qualified. 

Apparently in the past an account was opened in my name, and due to this they are denying me valid membership.
Product: Checking or savings account

Test transactions ( two credits and one debit ) by an external bank ( XXXX XXXX  ) have been counted towards the 6 withdrawals limited by the 204, Regulation D. 

Because of the limit, the automatically scheduled credit card payment at XXXX XXXX  was blocked ( due to limitation ) and the unsuccessful withdrawal assessed a {$29.00} fee by XXXX XXXX. 

Test transactions initiated by external banks should not be counted towards 6 withdrawal limit since those are not withdrawals authorized and/or initiated by me as defined by 204, Regulation D.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred despite having significant funds wins transactions were authorized I was charged fees due to lag posting of charges and credits this issue aligns with the recent cfpb findings against Navy Federal for similar practices where transaction settled with insignificant balances despite initially available funds I believe these practices are unfair and request and investigation until my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX  is the reason why this has happened!
Product: Payday loan, title loan, or personal loan

Being that we are all in the midst of a pandemic, I am experiencing financial hardship. I called this company and verbally set up payment arrangements to stop all automatic transactions because I was facing eviction. I made my payment as scheduled and the following day they went in my account after they agreed not to and when I called and spoke with them, they acted as if they knew nothing about the payment I made and the payment agreement. I asked to speak to a supervisor and was told I'd be contacted by a supervisor by the end of the business day. I live in Virginia and they are in Tennessee. I know my time zones and no one called me back. I don't appreciate them stealing from me because that's what they did. I understand I have a debt to pay and will pay it. All I ask is you stick to the agreement made between us. And they claim the payment can not be reversed which I know is a lie. Now I have to figure out where to get the money I need to stop my eviction.