23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX reported to TRANS UNION that My account was LATE and in their COLLECTION Dept. 

I was in the midst of a dispute with XXXX over a {$300.00} early termination fee since I was told by a XXXX Customer Service Representative that the cancellation fee would not be imposed since I notified them I wanted to cancel HOWEVER wanted to keep my same home telephone number which may take 7 -10 days to be released. 
The trial period was ONLY 14 days, I called on day 13 to cancel but was told I would not be able to keep my number unless I waited until XXXX released it. 
Thus it would be impossible to terminate service and keep my number ( which I 've had for 23 years ). 
A few days later when i received notice that my number was released I terminated service. 
I received a statement stating I had service for more than 14 days and therefore I would be charged the {$300.00}. 
I spent countless hours trying to speak with representatives and get XXXX to investigate the rep. who assured me the cancellation fee would not be charged. I sent XXXX letters to XXXX disputing the charge. 
Without a XXXX party or fair investigation, XXXX assigned my account to their Collection Dept. 
I disputed the wrongful tactics of XXXX. Preventing me from canceling within 14 days and keeping my 23 year old telephone number. 
XXXX claimed the rep. did not enter the comments into record and therefore the agreement to charge my was valid. 
XXXX should not be able to report my account as in collection while I am disputing the charges. The also should be required to have a third party investigate since XXXX simply denied their representative had told me or had the authority to tell me the early termination fee would be waived while awaiting the release of my home telephone number. 
I have paid IN FULL my account including the {$300.00} and XXXX still refuses to enter a new report to Trans Union without the indication that it was in collection. 
My credit score has suffered, dropping over XXXX points. 
IT is the ONLY adverse information on my credit report. 
Trans Union refuses to remove the collection designation even though it is paid. 
I told them it was reported while I was actively waiting for XXXX to investigate. 
Trans Union " investigated '' and a letter arrived showing that XXXX still shows it was in collection and thus it will not be removed until 2019! 
I want Trans Union to remove the Collection designation.
Product: Debt collection

IC System at XXXX XXXX, MN XXXX, has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I had a medical bill with Dr.XXXX XXXX and I was on payment plan, they closed the business and sent my balance to the collection Agency, now they want to change me with interest, I am willing to pay the balance, however they want to charge me extra.
Product: Vehicle loan or lease

Had a vehicle loan with TD Auto, I refinanced my car with XXXX XXXX on XX/XX/2020. Prior to me refinancing my car I made a payment about a week before. XXXX XXXX got pay off, that included my payment because it didn't post yet. TD Auto stated my refund is {$400.00} TD Auto received payment in full from XXXX XXXX on XX/XX/2020. I've called several times in reference to my over payment. I still haven't received my refund. I sent an email and I called on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 - XXXX XXXX stated check is holding due to having GAP & service warranty it taking time. 
XX/XX/2020 - XXXX stated check was cut & sent to my address. Sending it be traced & escalated XXXX XXXX XXXX stated sending email to supervisor to call me. Stated call back @ XXXX next day if I don't get a call back XX/XX/2020 - XXXX transferred me to supervisor - on hold for 45 minutes, no one answered - she sent a supervisor a message to call me XX/XX/2020 XXXX XXXX stated reaching out to supervisor, should get a response in 5 days. 
XX/XX/2020 XXXX XXXX - on hold for 35 minutes then XXXX XXXX picked up - transferred me to supervisor. 
XXXX XXXX, supervisor - stated sending email directly to department. Will call once get a response from them. 

STILL WAITING ON A RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. 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. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
Product: Credit card or prepaid card

my mom and I bought some funitures at XXXX XXXX. Theres staff told us that we have to sign up with their credit cards partner XXXX. 2 of their staffs asked me to give each of them more than {$65.00} for their sale services and another XXXX in cash for the funitures. I gave them all the cash i brought with me more than XXXX cash. They told me that money would later be subtracted from the credit account I signed up with them. they wont let me use my XXXX XXXX XXXX credit card. There were too many items I wasnt able to calculate the right price. Later I found out that cash wasnt on my receipt and wasnt subtracted from my credit card. I paid XXXX XXXX a total of more than {$6000.00} for their furniture. They delivered an old XXXX bed to me and charge me {$100.00} for redelivery. I contacted them many times. They said theyre unable to locate the funds. Sometimes I called in to ask questions, some people laughed at me, Some hung up on me, some were polite enough to say theres nothing they can do about it. 
I didnt remember which day I bought the items. I paid everything down to {$600.00}. But later I had to pay {$2000.00} within a couple of months. Thats more than {$1400.00} interest. 
I wish I was smarter so they wouldnt cheat on my XXXX mother and XXXX XXXX man like me. im a XXXX and a XXXX. i tried hard to earn that money with all my XXXXl capabilities. I have to do peoples feet and got XXXX by the XXXX and their XXXX. They have better jobs and friends than me. I just have my family. I appreciate any advice anyone can give. please tell me youre sympathetic.
Product: Checking or savings account

Apple/Goldman Sachs continues to freeze my account. Will not allow for withdrawals. And everyday makes me call and wait for over 1 hour. I have called XXXX  times, each time waiting for over 1 hour to get them to unfreeze it and resubmit to move my money out. They unfreeze it but then the next day it's frozen. I want my money back immediately. 

I have requested my {$100000.00} ( roughly ) back for the past week so I can pay off a line of credit which i'm paying 11 % on. They keep denying it. 

Nobody can provide me with a solution after the XXXX phone calls ( over 5 hours ). I text apple and they keep saying to call and wait again which does nothing. 

I have requested a call back from management every time and still haven't received an email or a call.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts/inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX VIOLATING 15 US 1681b -PERMISSABLE PURPOSE ALSO VILAOTING 15 USC 1681j 15 USC 1682 Congressional findings furnishing inquires thats not attached or belong on my credit profile
Product: Credit reporting or other personal consumer reports

I submitted a request to block trafficking related information on my Experian request online on XX/XX/scrub>XXXX but I never received a response from the credit reporting agency. I called customer support on XXXX and was told the request was received on a Sunday and would be completed by the end of the day on Thursday. However, I still never received a response at the email provided.
Product: Credit card or prepaid card

On XX/XX/2022 i purchased from XXXX XXXX  # XXXX located XXXX XXXX XXXX XXXX XXXX, co XXXX their money ctr XXXX for {$500.00} total of purchase {$500.00} to pay my weekly rent before it was XXXXWent to library tried activating card online to no avail.was prompted to XXXX code also given that was never asked for even after i advised i was given a code. # XXXX was forced to XXXX  due to not being able to pay my rent, which caused other bigger problems.XXXX  due to not resting and or the stress and strain anguish this non activation of the card i bought and purchased for a fee in a XXXX  XXXX XXXX XXXXThat is illegal and a fraud scam to have a card for concumers to purchase taking their wages and a portion of their pay check in trust to pay a bill that could only be paid with a debit or credit card.Now im out onthe streets with no job because your netspend card would not allow me to activate it holding onto my $ XXXX can upload from my cell phone a picture of the reciept and card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX. 

Account number : XXXX This account has violated my rights. 

15 U.S.C 1681 section 602 A : This states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : This also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ) section also states that 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, credit repair services, or other personal consumer reports

I was a cosigner on an account the other individual declared bankruptcy and claimed this vehicle in his bankruptcy without my consent. The account is still being reported as active and monthly payments due. I had no say in this.
Product: Credit reporting or other personal consumer reports

I sent XXXX, EQUIFAX, and XXXX letters ( XX/XX/2023 ) to do an investigation of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and other accounts that was removed after the investigation. I received the results of the investigation from XXXX ( XX/XX/2023 ) EQUIFAX ( XX/XX/2023 ). I never received no paperwork from XXXX. I mailed out METHOD OF VERIFICAION letters CERTIFIED on XX/XX/2023. EQUIFAX # XXXX, XXXX # XXXX, XXXX # XXXX. I am attaching all evidence of inaccuracies to my consumer report., investigation results of being modified and verified data, tracking docs, failure to respond that was sent out CERTIFIED ( XX/XX/2023 ). 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Checking or savings account

I don't exactly know dates but I had a Wells Fargo account. My wife passed away XX/XX/2021 from XXXX at which time I called my bank and requested for all automated payments to be put on hold until I could figure out what to do about my financial situation. Within 2 weeks of my wife 's passing I found out that my account was drained and I had over XXXX dollars in overdraft fees. I lost the house I was buying and 2 cars because of thier mistake. Shortly after they closed my account without notification.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : Self Act Name : Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Chime Bank closed my account on XX/XX/2021 without prior warning for whatever reason, I had {$4200.00} in my savings account and about {$250.00} in checking. I called their support line and was informed to email customer support since they couldnt tell me over the phone! I have then email them stating that due to their actions I can not pay my utilities nor rent. According to them my account has been closed by Chime and is not eligible for a refund. For more information please review Section 9 titled Amendment and Cancellation of the Chime Deposit Account Agreement. This is just pure robbery and unacceptable! Please If you guys can help me that would be gladly appreciated as this is my last resort!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some inquiries I did not approve nor know how they got there. I never opted in to a contract with this company nor can they provide me with a copy of any agreement I have with them, that is because there isn't one. 

This false reporting is damaging to my credit as I am preparing to buy a home for my family. I need this error to be removed IMMEDIATELY. 

XXXX XXXX XXXX has placed this on my credit report since XX/XX/2022 I also contacted the credit bureau regarding this matter. 

Thank you
Product: Checking or savings account

On XX/XX/XXXX Cash app.com sent {$800.00} from my account to XXXX XXXX XXXX. I was told by Cash App that I had authorized this transfer to take place, but I knew nothing about it and do not have an account at XXXX XXXX. Cash app has no telephone to reach them at so all communication has been by email. Each time i received a response from them there was a different person investigating this matter, So far there have been nine employees who were supposed to be investigating this matter but none have succeeded in accomplishing anything. I called XXXX XXXX to find out whose account the money was sent to but because of privacy matters they could not give me the name. I requested Cash app to show me documentation giving them authority to send my money to XXXX XXXX, but they refused to do that. Of course they could not because I never authorized it and do not have an account there. Can you please help me. That was all the money I have. 

Cash App is www.email XXXX  The case number at Cash App is : XXXX. 
my Visa number XXXX XXXX XXXX XXXX cvv XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I charged {$25000.00} on First Tech Federal Credit Union credit card as part of my payment for the Diamond level of XXXX. XXXX was an online business I had joined. 

On XX/XX/2018 the Federal Trade Commission ( FTC ) filed a  complaint against XXXX citing unfair and deceptive acts and practices in violation of Section 5 ( a ) of the FTC Act as well as additional charges. Reference Case # XXXX on the FTC website XXXX More information can be obtained on the Receiver 's site at XXXX First Tech has reviewed my dispute and states that because I failed to file dispute within their policy of " 2 month of charge '' that my dispute has no validity. The closure of XXXX did not occur until XX/XX/2018 which was past the allowable 2 months. 

I understand that if I had control of my dispute time frame ( say a store purchase ) and failed to file the dispute within 2 months of purchase that First Tech would have all rights to deny my claim. 

Unfortunately I had no control nor could I foresee the FTC closing the XXXX operation completely down! I have a large sum of credit card charges to XXXX. If the FTC has determined that XXXX was operating fraudulently then First Tech should follow their guidance and remove all charges associated with XXXX from my account. 

Any assistance you can give me will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation