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

I received an alert from my bank 's credit monitoring app on XX/XX/22 that there was a change to my credit report. When I logged in I discovered that my Transunion credit score had suddenly dropped XXXX points, lowering my credit status from XXXX to XXXX. In my investigating further for a reason for this drop in my score, I could find nothing - no new credit inquiries, no change in my status, all my accounts paid on time, nothing in arrears. 
I contacted Transunion by phone on XX/XX/22 and spoke with a customer service representative. He looked at my account and agreed that he could see no explanation for my score suddenly dropping XXXX points. When I asked him how to rectify the issue and restore my score to its original status, he became very vague and offered no solutions. He implied that there was nothing that Transunion could do, and tried to make it sound as if Transunion was not the culpable party, even though it's Transunion 's credit score. When I pressed him for some action from Transunion to restore my credit score, he said only that he would make a note in my record and told me I could call back in 5-7 days.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate from identity theft. I sent a letter including a copy of an identity theft report Tracking # XXXX to Equifax on XX/XX/2024 XXXX arrived on XX/XX/224 and I asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

So 1 then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days ifter receiving a request from the consumer for that description.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX there were XXXX hard inquiries made on my credit. They were from XXXX XXXX, XXXX XXXX, XXXX from Bank of America and XXXX from XXXX  XXXX. None of these were initiated by me. I am reporting fraud on my account and have put a fraud alert on my credit.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I lack any relevant knowledge on this issue, and the company proceeded without my consent.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> and requested for the following creditors to verify or validate a debt show me anything with my signature. Experian immediately advised it was valid then they proceeded to update the debt on my credit report with a new date all within XXXX hours of receiving the letter. I HAVE NOT DONE ANY BUSINESS WITH ANY OF THESE CREDITORS AND REQUESTED THESE THINGS BE REMOVED.
Product: Debt collection

I have a debt that I owe to XXXX XXXX XXXX, which is an apartment community in XXXX, Colorado for an eviction. I owe {$4600.00}, which is not disputed. I want to make arrangements to pay because I figured out a solution in order for me to begin making payments. I recently checked my credit report and the balance increased by {$1600.00}. The collection company is " Hunter Warfield '', based out of XXXX, Florida. http : //ww2.hunterwarfield.com. Hunter Warfield has a business relationship with XXXX, I do not. I never agreed to ANY arrangement with Hunter Warfield, I do not have a business relationship with Hunter Warfield of any sort. If XXXX chooses to outsource this debt to Hunter Warfield, that is their choice. The {$1600.00} makes future payments for me unreasonably difficult, I will not agree to ANY interest or increase in balances owed. I will pay what is owed {$4600.00}.
Product: Credit reporting or other personal consumer reports

I have been disputing multiple issues with the credit bureaus, including fraudulent accounts that have been incorrectly marked as accurate, a duplicate account, and a late payment that is inaccurately reported. Despite submitting proof of fraud and providing supporting documentation, including an FTC Identity Theft Report, the credit bureaus have failed to address these issues after several disputes. 

The fraudulent accounts have been marked as accurate, even though I have submitted evidence showing they were not opened by me and are the result of identity theft. In addition, a duplicate account is still reported on my credit report, and a late payment from the previous year remains, both of which are inaccurate and unverified. 

I have disputed these accounts multiple times, but the credit bureaus have failed to either verify or correct the errors. They have not provided any documentation or explanation to show that the accounts, late payment, or duplicate entry are legitimate, despite my efforts to resolve these issues. The credit bureaus have also failed to meet the legal requirements under the Fair Credit Reporting Act ( FCRA ) to correct or remove the inaccurate information within the required timeframes. 

As a result, these inaccuracies are harming my credit and causing unnecessary financial harm. I am requesting that the credit bureaus immediately investigate the fraudulent accounts, delete the duplicate account, and remove the unverified late payment from my report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account is up to date and not late credit report shows that I'm pass due and haven't made any payments score went down by XXXX points because of the situation the loans was from XXXX
Product: Debt collection

I owe about {$2500.00} on a credit card with Citibank Simplicity MasterCard. I am in the process of working out an arrangement. 

Citibank uses a robo caller to call me every 2 hours up to 4-5 times per day. In addition, the robo caller leaves voicemail messages each time, thereby clogging my voicemail account and making it difficult for others to reach me. 

There is no reason for them to use an automatic dialer to leave 4-5 voicemails  each day, 7 days a week. This is nothing more than harassment.
Product: Checking or savings account

On XX/XX/year> I tried to withdraw {$120000.00} from my savings account to be transferred back to the account that it was deposited from. 
On XX/XX/year> the amount was noted as " posted ''. No transfer was made. 
On XX/XX/year> I contacted the bank and they informed me that they had placed an 'Alert ' on my account and locked it from access. They said that they couldn't 'verify my identity ', even though I provided them with my name, DOB , SS #, secret password, DL state and #, email, 2 phone numbers, AND I can still login to my account online.

I have seen online where several people have had this same issue with Marcus by Goldman Sachs. 
They are now holding my money and will not allow me to access it. This account is a year and a half old and my funds have been deposited into it since I opened the account. 
They will not allow me to withdraw my savings or close the account. 
Any help would be greatly appreciated.
Product: Checking or savings account

My checking and savaving account are closed by XXXX XXXX XXXX on XX/XX/2021, because I have deposit a check amount {$3800.00} that I have received by XXXX from XXXX XXXX XXXX XXXX to purshases some devises to work with it .It seems that this check is returned for the reason-Enable to locate Acc.After that theu report me to Credit Reporting Agency CRA ( Chechx system and XXXX XXXX XXXX ), Currently I was rejected by the financial institution to open a new account.I w
Product: Money transfer, virtual currency, or money service

Hello, I am currently using Discover Bank for my savings account. 
I recently purchased a home with a closing date of XXXX XXXX. My lender gave me the bank details with the title company to which I was supposed to initiate the wire ( domestic ). 

I initiated the wire transfer on XX/XX/2022 itself with the amount of {$190000.00} Discover did some verification with me on behalf of the federal reserve and on XX/XX/2022 they mentioned that the wire transfer has been completed. They deducted the funds from my bank account on XX/XX/2022 and gave me a reference # XXXX that the wire transfer is complete. In the message, they said it can take maximum 2-3 business days. 

On XX/XX/2022, my lender company officer reached out to me and told me that the title company bank has not received the funds. I called in discover bank, we verified all the account details to where the funds were supposed to go and everything looked good and they said they will initiate a trace. 

On XX/XX/2022, I called in again to Discover to get the status and they said they have no update from the federal reserve. 

On XX/XX/2022, My lender company did a conference call with discover and asked the discover bank to provide an OMAD # associated with the wire, and discover was not able to provide that and asked me to wait for 1 more day. 

On XX/XX/2022, I called Discover and asked for the OMAD # and they said they don't have it and the only update they gave me is that it's with the federal reserve pending bank verification, which i don't know what it means, neither discover could answer. 

On XX/XX/2022, I called Discover and conferenced in the receiver Bank officers, my loan title officer and they pressed discover bank to provide the wire tracking OMAD # then also discover was not able to provide the wire tracking #. 

I got a message from my lender and title officer that without funds into the escrow amount, I may potentially have to lose the house or pay additional funds to close, my existing loan terms may change, and I may be subjected to additional rate lock fees if the funds are not received by XX/XX/2022. 

I have been on calls daily with my lender, and the " discover bank '' and spending almost on average 3hrs during my job work hours a day to deal with this situation and it has caused me mental stress, and embarrassment. I just hope discover doesnot do the same dealing with another customer.
Product: Credit card

hello good day sir / madam, I would.like to make complaints about american express hilton credit card. I have 2 cards from american express hilton cards,, First the surpass hilton american express card and the other one is aspire hilton american express card which was offered as upgraded and i paid XXXX usd, and i requested via chat to cancel my old surpass card, however it was not intention and my mistake that aspire american express card that i paid XXXX was cancelled instead of surpass hilton american express credit card, i called them about the incident and thet disallowed and not to consider and they want me to apply and pay again for XXXX I hope you can help me in this matter Thank you XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for the loan online, and received an automated phone call that my loan request had been approved. I was told to call XXXX to finalize the transaction. I was offered a {$10000.00} loan with a $ XXXX/month payback over 60 months. I spoke with XXXX and he outlined all the terms and conditions. I was told I would receive the funds via XXXX XXXX, but I had to pay the wire transfer fees upfront with a prepaid card. I was told to get a XXXX XXXX or XXXX card in the amount of {$360.00} and that XXXX XXXX would call me for the card information. I went to XXXX XXXX and purchased a XXXX XXXX card. On the way home from the store I started feeling suspicious that " what does XXXX XXXX want with a prepaid XXXX XXXX card? ", so when I got home ( and before I gave them the information ) started doing some research both online and with phone calls to XXXX XXXX and One Main Financial. I was told by XXXX XXXX that the MTCN numbers of XXXX & XXXX did not exist. They also told me that they do not accept XXXX XXXX gift card for payment. One Main Financial told me this is not the way they operate, they do not use XXXX XXXX to transmit funds. When I " googled '' the phone number XXXX I found other complaints of scams associated with this listing. I had never signed a loan contract - XXXX told me after I provide the card info and my funds were wired that I would be required to sign. After this research I told him that I did not feel comfortable providing any further information by phone, to please send me an email with the contract information. The email is from XXXX. This does not look like any other legal form I have signed online, and it says repayment is {$100.00} per month. So now I have a XXXX XXXX card worth {$360.00} ( I never gave information over the phone ) and no loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

CREDIT KARMA FROZE MY ACCOUNT ON XX/XX/2023 FOR MY SUPPOSED PROTECTION.

I GOT A EARLY DIRECT DEPOSIT ON XX/XX/23 IN THE AMOUNT OF XXXX {$56.00} I CALLED CREDIT KARMA ON THE XXXXTH BECAUSE MY CARD WASNT WORKING ONLY TO FIND OUT MY ACCOUT WAS FROZE. 

CREDIT KARMA TOLD ME I HAD TO WAIT FOR THEM TO CALL ME ABOUT THE FROZEN ACCOUNT. 

THEY REFUSE TO HELP ME WITH THIS AND ALSO REFUSE TO CONTACT ME INREGARD TO MY ACCOUNT. MY MONEY IS STILL TRAPPED IN THERE BANK AND THEY REFUSE TO RELEASE MY MONEY SO I CAN CUT OFF ANY BUSINESS I HAD WITH THEM.
Product: Credit card

Goldman Sachs USA intentionally blocks access to the GM Rewards Card payment and website from outside the US ( see attached screenshot ). They do this despite offering a XXXX percent foreign transaction fee which otherwise induces foreign travelers to use their card. It's not good to then block their ability to pay and access the account from foreign countries. I called the Resolution center today and logged the complaint. The agent gave a series of steps which are not useful to resolving the matter ( switch VPN, clear caches, don't use app ). The site is blocked by Goldman for IP addresses outside the US and these steps do not mitigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion numerous times from XXXX 2017 until the present. I have filed numerous disputes via online and over the phone with a representative that XXXX inquiries recorded on XXXX XXXX, 2017, one by XXXX XXXX and the other by XXXX were not authorized by me. Transunion has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding Transunion delete the inquires immediately.
Product: Mortgage

Mr. Cooper formally known as Nationstar Mortgage is at it again. Mr Cooper is engaging in delaying tactics, giving me and my Sale Agent the run around, asking for the same documents over and over again, playing hardball which Mr. Cooper engaged in during my request for my Loan Modification in XXXX which lasted for 10 years and was never modified. In addition to the XXXX games that Mr. Cooper has engaged in above, is now adding another leaf of delaying tactics to the Short Sale Mr. Cooper approved off, and scheduled for Auction Sale in XX/XX/XXXX to XXXX, XXXX. We are now at the last stage, the Closing Process of the Short Sale, and Mr. Cooper is now dictating, and shying away from its officially mandated responsibilities. Mr. Cooper is telling me and my Sale Agent,  cheering picking which amounts they will approve for payment. Besides, Mr. Cooper is backing away from the original Terms for the Short Sale Program, " The Offer Validation Program '' agreed upon by both parties when the Short Sale initially began. Mr. Cooper is coming up with another " Terms '' that will benefit Mr. Cooper. Dealing with Mr. Cooper for 10 years I have learned to know that Mr. Cooper lies and Cheat. Mr. Cooper should move fast so that we can move on to the last stage of the Short Sale process ; that is the Closing Process, instead of playing games.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

I called XXXX that's who I got the card from on XX/XX/20 to find out why my balance was XXXX when I had put XXXX on it when on my transactions I found over XXXX transactions from XXXX for XXXX cents until my account was completly drained. I dont understand why this many transactions were not red flagged
Product: Credit reporting or other personal consumer reports

Hello, This is in reference to an Auto Lease in year XX/XX/2017 with BMW Financial Services. 
The lease/loan was paid off in full and later updated on my credit history report that we missed a payment in XX/XX/2017. There were no missed payments during the life of the loan/lease. The late payment history showed up after the agreement expired and was paid in full. We tried contacting them 2 times by phone in XXXX, requesting the account holder furnish the data in order for us to verify and work to get the correct information to reflect on my credit report. BMW Financial Services never sent me any data showing the missed payment. When I called the following month, the person we spoke was unable to find/locate any data showing there was in fact a missed payment. I believe this information to be inaccurate and is negatively affecting my positive payment history. We are asking the account holder ( BMW Financial Services ) to remove and update the payment history to all 100 % paid on time. There is no reason to show a missed payment in XX/XX/2017. 
Warmest Regards, XXXX XXXX XXXX
Product: Checking or savings account

My account with citi bank was closed on XX/XX/2020 with a remaining balance of XXXX in my account almost two months later and I have still not received a check with my funds I have called multiple times since XXXX I have visited two different branches and no one is able to help me or give me a date when I should receive my funds
Product: Credit reporting or other personal consumer reports

When it comes to these agencies theyll reporting different inaccurate information I got a email about a breach that people now have my information which is now effecting my credit report. 
XXXX  Equafax and XXXX  are all report wrong information