23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear XXXX ; There is a surprise {$130.00} fees charged on my XXXX Bank of America card statement for a balance transfer. 
Any fee notice is absolutely hidden in tiny print on the multiple balance transfer solicitations BoA has sent. 
Working class people should not be surprised by bank fees. 
This bank should be required to waive this fee until BOA changes its solicitations with the headline : TRANSFER YOUR BALANCE FOR {$130.00}. 
Please do not allow this predatory bank to continue to rip folks off. This transfer was advertised as free.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 719transunion has me at a score around 590. 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 21 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

I lost my debit card on a trip to Texas. I then proceeded to freeze that card and cancel all further charges. I also then stopped going to XXXX around that same time and was still getting attempted charges on my account even though I was no longer going to the gym
Product: Credit card

After submitting a dispute with Wells Fargo Credit Card Services ( dispute number XXXX ), the credit institution stated that i would not be reimbursed due to the transaction being a " XXXX XXXX XXXX and that those transactions can not be disputed. I am in shock as to why Wells Fargo is not protecting its consumers and unwilling to credit my account for the disputed amount of {$210.00}. In the dispute I have provided via email : proof that the transaction via XXXX was advertised as a XXXX  with several accommodations including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the dispute email I provided proof that I submitted a complaint with the property manager and XXXX due to the location not being a hotel and having none of the above accommodations. I have also provided proof that the property manager would not respond to my messages and was only responsive when when arriving at the location, but saw and ignored all of my attempted calls and messages afterwards. I have provided proof as to how the '' hotel '' was advertised on XXXX and the night and day difference into what it actually was. As stated in the email, I am from the U.S. and this stay was in XXXX XXXX, I was limited on phone and internet services and limited on options for my two day stay. I am extremely upset with Wells Fargo considering I have been banking with this bank for twelve years and even though this specific credit card is a new account with them I have spent over {$5500.00} in just the first month and they can't resolve a small and justified dispute fir the {$210.00}. I regret doing business with them and regret even opening this account with them. I look forward to the Cfpb assistance in resolving this matter and appreciate any assistance I can get.
Product: Credit reporting or other personal consumer reports

I have contacted this company through mail asking them to please stop reporting false information to my credit on XX/XX/2024 and on XX/XX/2024.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred XXXX XLM ( virtual currency ) to Crypto Exchange Kraken. My deposit was never completed in my Kraken account. I followed the support procedure listed on the Kraken support website https : XXXX. I opened case with Kraken XXXX I was told I used an incorrect " Memo '' ID and that for security purposes I would need to wait 30 days. I patiently waited 30 days, on XX/XX/XXXX I heard back from Kraken stating they will start the recovery process.

I had not heard back from Kraken since the XX/XX/XXXX msg, I emailed them several more times and received no response. On XX/XX/XXXX I opened a new case XXXX, the following day the case was closed with no reason. I received another msg on XXXX saying my case was sent to a specialist and is being reviewed. 

Its been almost 7 weeks now and I still do not have my funds. I have read online articles that others in the same situation had the issue corrected within a week, I feel I am being pushed to the side because my amount is not as large as others.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them nor did they prove validation. 
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 or other personal consumer reports

XXXXXXXX XXXX do not report monthly balance after closing monthly statement immediately to the credit Bureau. They report 60 days after the monthly statement of credit card balance to all credit Bureau. 

At present, XXXXXXXX XXXX reporting credit card balance of statement XXXX XXXX to XXXX XXXX to all credit Bureau. At Experian credit Bureau credit report showing XXXX XXXX balance as today XX/XX/year>. 
Where Statement for the next month XXXX XXXX to XXXX XXXX already close but XXXXXXXX XXXX  wait to REPORT this balance until next year XXXX XXXX to the credit Bureau . I guess bank not following Fair Credit Reporting Act. XXXXXXXX XXXX reporting my credit card balance every month use 60 days back statement balance, not current statement closing balance.so they always reporting after 60 days old balance. 
I like to know what date they will report the balance of my current statement which close on XXXX XXXX for the statement From XXXX XXXX to XXXX XXXX. They still did not report yet even today is XXXX XXXX. Statement for this month is close on XXXX XXXX and its 21 days passed but they do not report to credit Bureau. I believe they are breaking Fair Credit Reporting Act. Not following FECA ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$650.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$150.00}, Original Creditor Name XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ), XXXX ( Opened XX/XX/XXXX, Credit limit {$650.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$12000.00} ), XXXX XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$180.00} ), XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$990.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX XXXX, XXXX, XXXX {$790.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XX/XX/2014 For {$470.00} I have tried to dispute this account for years and no luck
Product: Credit card or prepaid card

On XX/XX/XXXX an application for Wells Fargo was denied and I never filled it out
Product: Credit reporting, credit repair services, or other personal consumer reports

The three reporting agencies : XXXX, XXXX XXXX XXXX was contacted, by the creditor, XXXX to delete my hard inquiry. This was done On XXXX XXXX, 2023 to all repositories to have the hard inquiry removed. The process requires letters to be sent via XXXX to the addresses provided by the repositories which are XXXX XXXX XXXX. The creditor acted in good faith to remove the hard inquiry, as it was an erroneous authorization. 
I have followed up with each of the Reporting Agencies that were given the letters to get a status. I am unable to get a follow up. The customer service agents are not providing direction, instead I am getting the same dispute letter. No action taken. I am asking CFPB to notify the agencies to follow up the request provide by the creditor.
Product: Debt collection

I signed a contract for 6-months term lease at XXXX XXXX XXXX XXXX and lived there from XXXX to XX/XX/XXXX. I paid my rent all the time before it was due Despite my monthly payment paid on-time, the landlord brought me to civil court for eviction on XX/XX/XXXX. At the court, I showed all the money-order for my rent to the judge and the case was dismissed. 
On XX/XX/XXXX, I tried to rent an apartment in XXXX TX and the tenant told me that i meet the requirements because i owed an apartment called XXXX  XXXX XXXX and XXXX XXXX. 
So i contacted the credit agencies bureau and explained them the situation and they told me they will contact the apartment XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX is the same apartment as XXXX XXXX ; they have just changed their name but they are the same. 
XXXX XXXX XXXX is fraudulently tried to collected from me {$4700.00}, complaining that I haven't NEVER paid the rent since i rented their apartment. 
I am fully aware that we all my rent was paid through money order and if my rent wasn't paid on-time, I will be evicted and penalized on the day they have brought me to civil court. 
I am very upset and don't even have a place to stay due to fraudulent information on my credit report. I am not owing any apartment and i always paid my rent as my first priority.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my credit file and I sent a letter requesting verification in XX/XX/XXXX. The file was verified through XXXX XXXX in XXXX. This issue is that my XXXX XXXX account was frozen in XXXX in XXXX. I just confused how this was verified when this was account was frozen 90 days prior.
Product: Credit reporting or other personal consumer reports

I repeat I repeat I have contacted XXXX about these fraudulent accounts and they need to be removed immediately this is probably the third time I am doing this report and I'm a victim of the XXXX data breach and these accounts are fraudulent and I never authorized them and never open them so immediately remove them all and these hardened inquiries and items off of all my credit reports XXXX needs to remove these particular accounts I have told them numerous times XXXX needs to remove the following address as they never belonged to me XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX accounts below needs to be removed immediately XXXX XXXX XXXX {$170.00} XXXX Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX payment Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX  BANK Account number XXXX XXXX XXXX Account number XXXX XXXX  Unknown payment history {$6200.00} Closed XXXX Account name XXXX  BANK Account number XXXX XXXX XXXX XXXX 
2late payments {$0.00} Closed Account info Account name XXXX XXXX XXXX 
Account number XXXX XXXX BANK XXXX {$920.00} Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX BANK Account number XXXX XXXX BANK XXXX Account number XXXX XXXX  XXXX {$570.00} Closed XXXX  XXXX Account number XXXX XXXX CARDS XXXX Inquired on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX inquiries need to be removed XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX A Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX -- -- -- -- -- - Transunion needs to remove this inquiry XXXX  Inquired on XX/XX/XXXX 2024
Product: Student loan

As of XXXX XXXX, 2025 my personal and financial information was compromised without my authorization due to the actions of XXXX XXXX. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.

This breach is a clear violation of FERPA. 

Anyone using this system expressly consents to such monitoring and recording. Unauthorized use of this information system is prohibited and subject to criminal and civil penalties. Except as expressly authorized by the U.S. Department of Education, unauthorized attempts to access, obtain, upload, modify, change, and/or delete information on this system are strictly prohibited and are subject to criminal prosecution under 18 U.S.C 1030, and other applicable statutes, which may result in fines and imprisonment. For purposes of this system, unauthorized access includes, but is not limited to : * any access by an employee or agent of a commercial entity, or other third party, who is not the individual user, for purposes of commercial advantage or private financial gain ( regardless of whether the commercial entity or third party is providing a service to an authorized user of the system ) ; and * any access in furtherance of any criminal or tortious act in violation of the Constitution or laws of the United States or any State.
Product: Credit card

My credit score was hit hard and when I checked I noticed an account was opened with current the app/company. 
I immediately reached out to them and told them I did not open the account and go close it immediately. They said the closed it after and then I disputed the account that was on my credit, I received an unknown status on my dispute. So when I reached out to XXXX they said it was an accurate account. The current company reached out to me asking if I disputed the account and I told them what happened that I did not open the account and disputed it. And then they did not reply to my email.
Product: Payday loan, title loan, or personal loan

Paying XXXX a week on my loan, vand it is only taking off 3-5 dollars of my total balance
Product: Credit reporting or other personal consumer reports

The information on my XXXX report is inaccurate, unverified, and was provided without any supporting documentation. I am formally requesting, under my legal rights, that all information on my report be deleted.
Product: Credit reporting or other personal consumer reports

The credit agency like XXXX, Tranunion and XXXX has damaged my credit and even after 5 years they still have negative reports on my account, when I sent them documents that I was a victim of fraud and they still have those negative reports on my account and Also accounts that you report as fraud. Please help me because since I was XXXX and now I am XXXX XXXX XXXX I have not been able to use credit because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, and for that matter XXXX and XXXX and XXXX, continue to " report '' on my credit two debts that by their own admission are more than 7 years old. Discover card alleges a fraudulent debt that isn't mine, but admits that the delinquency occurred and was first reported in XXXX of XXXX. Similarly, XXXX XXXX admits that a XX/XX/XXXX delinquency reported in that month is still on my credit. The LAW is that seven years from a delinquency, if the account is never again current is the MOST that an item can appear on your credit, period. Yet, XXXX reports that these items will be on my report until XXXX and XXXX, which are more like 8 or 9 years ( see attachments ). These items must come off now. I attach my own XXXX credit report showing that, as a matter of law, these two debts, which are fraudulent to begin with, are totally and completely as a matter of law over 7 years old and must be removed. Seven years from XXXX of XXXX is long past. 
Note the circled areas on the attachments to this complaint -- there is no doubt these items should have been removed in XXXX of XXXX.
Product: Debt collection

XXXX sold debt to unifund ccr and has colluted with XXXX XXXX and still is reporting om my XXXX credit report this account is XXXX ols and transunion is blocking access for updates
Product: Credit reporting, credit repair services, or other personal consumer reports

On both my Transunion and XXXX reports it is showing that I was 30 days late on my payment to my mortgage company, XXXX in XX/XX/2018 and XX/XX/2018. My mortgage is due on the XXXX of each month. My XXXX mortgage was received on the XX/XX/2018 and my XXXX mortgage was received on XX/XX/XXXX. I called XXXX and was told I was correct, but that the credit agencies had to make the correction, as it was not their mistake. I called the credit agencies and was told that XXXX had to correct it, as it was not their mistake. I then asked XXXX to please send me a letter stating the information they verbally confirmed in writing, so that I could forward to the credit agencies for them to correct. They refused, and asked me to start a dispute ALL over again. I am being run around in a circle, and I beleive this is something that can be handled quickly with a simple letter to Transunion and XXXX Please help. Thanks in advance.
Product: Debt collection

This collection XXXX named XXXX XXXX XXXX XXXX Legal Department with the acronym GCFS.Inc bought a debt account to XXXX on or about XX/XX/XXXX, but the affidavit was signed by XXXX XXXX on Monday, XX/XX/XXXX. On the affidavit of Sale XXXX XXXX stated there were XXXX payments made on this account. They were debiting the payments to XXXX XXXX XXXX, and charging NSF fee, late fee, Interest fees more than 60 % and the amount was growing and growing. As GCFS.Inc stated I had some bank accounts with XXXX XXXX, they got garnish against XXXX XXXX XXXX account I never opened. XXXX XXXX send a letter stating that I had no bank account with them. 

The Unfair, deceptive, abusive practices Collection Agency, and illegally sued by XXXX XXXX  XXXX XXXX Legal Department against my persona is a violation of Fair Debt Collection Practices Act. I never was served, not in person or with a Certify Mail. My daughters XXXX, and XXXX that time never received a paper sent from the court. 

No mail was received from them until XX/XX/XXXX. That take me for surprise a lot because I have not had account with XXXX XXXX XXXX. I have not had received any letter from XXXX or GCFS.Inc ; for me, this was fishy. So, I summit a complaint to Consumer Financial Protection Bureau with Case Number XXXX on the date of the XX/XX/XXXX. XXXX XXXX replied I had no account with them. GCFS.Inc replied that they served me and that their collection is from XXXX, now their property. They never validated the debt. They send me a copy of the contract of XXXX without signature, I never signed anything from XXXX. 
I filed a police report on XXXX when my purse was stolen. According to the papers they send to CFPB, the loan was given on XXXX by XXXX, GCFS. Inc. - XXXX bought the loan to XXXX - XXXX in XXXX. GCFS sued me in XX/XX/XXXX, my daughters XXXX and XXXX at the time. I found out about this on the mail in XXXX but ; once again, I did not was served in person as they said, it was on my mail box. It is a win, win, for them because I never knew that I had to go to court. That secured the exorbitant gain of {$12000.00} dollars or {$21000.00} dollars as XXXX contract said, without really knowing and making sure they were suing to the right people. 

You can not sue or, accuse and convict a person with false testimony, based on fraud or identity theft. It is a violation of the law. Hiring court date to win your demand. 

Too late for me to fight and to protect and defense myself from this depredators. I have file an identity theft reports with police, also to the three Credit Bureaus. The latest is : GCFS.Inc renewed the garnish order to XXXX Superior Court Case XXXX. I pulled out a regular mail from my mail box on XX/XX/XXXX it was again a Notice of Levy ( Enforcement of Judgment ) on my XXXX XXXX  account. The damages against my persona are too much. I will never recover from Identity theft. This collection company make me their slave for life, thanks to the California Laws allow renew them forever. The XXXX contract has the date of XX/XX/XXXX up to day are eleven years, with no signature on the contract.