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

Since XX/XX/XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX XXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX  XXXX provides an audit of all payments received from XX/XX/XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX  XXXX XXXX XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX  XXXX if this is a legitimate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}
Product: Debt collection

Hello! 
My name is XXXX XXXX XXXX and I am a US citizen.

I am making a complaint about the company DYNAMIC RECOVERY SOLUTIONS because it has withdrawn money from my bank account on several occasions in order to collect a medical debt from more than 7 years ago. 
Here I tell the story : This debt originated from some medical procedures on my XXXX  that I underwent. Willing to pay later. On XX/XX/2016, I had a work accident which left me unable to work for several years. I also had to undergo urgent surgeries on the XXXX XXXX XXXX and XXXX. After this I have been going through a difficult financial period. I called them several times in order to work out a split payment agreement for monthly payments and they never agreed. They wanted me to pay off the debt completely in one payment which was impossible for me. 
On many occasions they threatened to affect my credit, sue me, take me to court and take money from my bank account ( which they did ). 
On many occasions that I spoke with them, they did not have anyone to speak XXXX or to translate for me to be able to communicate properly, for which I felt greatly discriminated against. 
Right now they just took money out of my account ( {$490.00} ) with a processing fee of {$120.00} which was part of my money to pay my rent. The previous year they also withdrew a similar amount from my bank account. 
They did not even send a notice about the withdrawal of the money. 
I am the head of the family : wife and XXXX children ( XXXX and XXXX XXXX XXXX ) who have been affected due to this withdrawal of money.
Product: Credit card

I am filing a complaint against American Express Credit Card Services under unfair practices used on consumer credit card holders. I believe the company unfairly reduced my credit limit after asking for a random fee to be paid to leave the limit at the current level. This left my card basically maxed out instead of having over {$6000.00} in available credit. 

On XX/XX/XXXX I paid off my credit card account balance in full in order to reinstate my spending privileges. Prior to XX/XX/XXXX I was in a payment program to paydown the balance with the agreement that once paid in full I would regain full access to the credit card. 

The credit card was restored to a limit of {$9300.00} and once again I began using the card and making all payments on time. I made a payment of {$200.00} on XX/XX/XXXX for the XXXX invoice which had a minimum payment due of {$65.00}. On XX/XX/XXXX, I received an email from American Express stating that unless I paid an additional of {$950.00} by XX/XX/XXXX they would review the account to reduce my credit limit and that I would have interrupted use of my card until the review was complete. There was a {$0.00} balance due at this point as I had already made my monthly payment and my available balance online still showed the limit of {$9300.00}. 

Then when I went to check into my hotel that day the {$100.00} charge was declined. I messaged American Express and they told me they could make sure the {$100.00} would authorize but could not tell me anything further about the review or why my limit would be reduced and that my account still showed the {$9300.00}. 
On XX/XX/XXXX I received another email from American Express stating that my credit limit had been reduced from {$9300.00} to {$4300.00} which left me with an available credit limit of {$500.00}. Instead of having an available limit of over {$6000.00} now the card is basically maxed out for any other creditor reviewing my report. 

My credit score nor history has significantly changed since the {$9300.00} limit was reinstated in XXXX. If I had paid the random {$950.00} that was demanded within 5 days then my limit would not have been reduced. 

It is an unfair practice to demand random payment amounts to maintain a credit limit and then take away the credit limit because the random amount was not paid. They cant claim this is due to my credit or payment history as they would have left the limit as it was if I had made the random payment. As recourse I would like my credit limit restored to {$9300.00} and if that is not possible that at least half the decrease to {$6800.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 TransUnion 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

Honda financial offered grace periods during XXXX XXXX. They ensured that this would not impact their customers credit by offering this special grace period. I have made my payments on time and I need my payment history to be updated as my payments being made 100 % on time.
Product: Credit reporting or other personal consumer reports

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


I told Transunion to reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told XXXX to reinvestigate the account : XXXX XXXX XXXX : # XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

USAA historically made the full amount of deposited checks available immediately upon deposit. The past couple years have been extremely tough and being paycheck to paycheck theyve suddenly started to place holds on the funds. I had an especially bad case of timing this week with some auto payments coming out that took the account negative and normally if you deposit enough to cover it within grace period they forgive those. Well we received an insurance payout check of just under {$5000.00} this past Monday ( XXXX ) that I deposited right away and instead of releasing it like they historically have, they held all but {$500.00} and it wasnt enough to bring the account current so guess what, they added another OD fee. Theyre bombarding me with collection calls when if theyd release the insurance check they could be paid current. They are making it so I cant pay my electric bill or car repairs for the only car my family has to get to work right now. The check being on hold places a HUGE burden on my family ; we have a XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  and needed those funds released immediately to keep up with this XXXX economy. And all the tone death member resolutions lady could say was oh its the system it wont let me release and how about a personal loan from us? like sure, theyll lend money but wont release what was deposited except her suggestion was completely tone deaf and out of line because USAA wont approve me for a loan on my own. So suggesting that as a solution was just plain insulting.
Product: Debt collection

The account LVNV FUNDING LLC with the account number XXXX is clearly a collection but why is this account reporting a " past due ''. This company has engaged in deceptive practices and violated the Fair Debt Collection Practices Act by reporting a balance on a paid in full and closed account. Please contact this company, verify as Paid, and change status immediately. Please note you are also reporting my private health information. To do so, you must provide your HIPAA clearance to me. Please provide documentation proving that you are not abrogating my rights by reporting.
Product: Money transfers

I have made an international money transfer through a major Financial services company.After 1 week I received an email saying transaction was cancelled and i will get refund soon. Almost daily i am calling the customer care for the refund. Its been XXXX weeks i am waiting for the refund. I am suffering a lot XXXX because of this issue. Please Help me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXXXXXX XXXX XXXXXXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, an account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account XXXX, an Cell Phone account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a 3 year lease agreement with Hyundai Motor Finance on XX/XX/XXXX for a 2016 XXXX XXXX. At the end of my lease term in XX/XX/XXXX, I turned my vehicle back into a Hyundai location. Hyundai did not allow me to pay my termination fee at that time and said they would send a bill. Hyundai also refused to allow me to make this payment through their online portal. Upon receiving a bill of {$790.00} from Hyundai in XX/XX/XXXX for my termination fee plus excess wear and tear costs, I mailed a check to Hyundai on XX/XX/XXXX. Hyundai waited to cash my check for another 4 weeks on XX/XX/XXXX. Hyundai also converted the check to an electronic check so I can not show an image of it with the date XX/XX/XXXX written on it.Then another month passed with no additional communication from Hyundai and my account showing as paid off in full and closed. Then on XX/XX/XXXX I received an alert from my credit monitoring agencies saying that Hyundai Motor Finance had reported my account as more than 30 days past due and delinquent on my account. I have reached out to the credit reporting agencies and Hyundai multiple times and they have updated the status of my account to closed but have refused to remove my 30 days past due designation. I filed reports with Hyundai and the credit reporting agencies both in XXXX of XXXX and again in XXXX of XXXX. Hyundai has reported back to me on XX/XX/XXXX saying they believe the credit reports are accurate with the 30-59 days late status on my report. I believe that I have acted in good faith and made all of my payments on time and in accordance with the agreement that we laid out. I ask please that the CFPB ask Hyundia Motor Finance and the credit reporting agencies to please update my credit report to remove the delinquency from my account and the 30-59 days past due status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Today, I spoke with a XXXX at Citi/Sears about my account. She said my interest rate will NOW begin to tack on as of XX/XX/2020 and fees. I explained that my fixed income as a retired, XXXX XXXX XXXX was NOW even more limited with medical and RX bills. She didn't care and said the fees will start and will not delay or defer the fees. With COVID still around for an unknown time, I wanted to defer fees, late fees and payments for a set period until we get past the COVID issues. She was unapologetic and uncooperative. I asked for a supervisor and XXXX put me on hold for 14 minutes per my cell screen and upon return, she said nothing more could be done. I asked for the superior 's name today XX/XX/XXXX at XXXX XXXX and XXXX said, " I don't have her name '' this is ridiculous and abusive. I want to file a complaint with the other complainants against CITI ... ... 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX
Product: Credit card or prepaid card

I'm on XXXX XXXX. Edd pays me thru a prepaid card thru Bank of America. Due to my XXXX and not having my normal salary I saved the deposits made on the card so that I could pay my rent XX/XX/XXXX and avoid eviction. On Saturday XX/XX/XXXX when I checked my balance I noticed all of my money was gone. I immediately froze the card and contacted Bank of America to have a fraud dispute opened up in the amount of {$2800.00}. After 4 days Bank of America denied my claim. This was wrong so I requested to speak with a manager who re submitted my claim for re consideration and I provided a police report to show I've had issues with identity theft due to my purse being stolen and they requested a picture of me which I also provided. To day I've heard nothing back and after XXXX XXXX my minor child and I will be evicted. This is not right Here is a copy of my claim : Claim Number : XXXX WEVE RECEIVED YOUR CLAIM This notice is provided to you as the named account holder for a prepaid debit card issued by Bank of America , N.A . ( " we '' or " us '' ). 

We've received your transaction dispute claim. 

We'll notify you by mail about your claim status once we've completed our review of the disputed transaction or transaction ( s ). 

Please review the claim details below. If the information is incorrect or doesn't match your request, call us immediately at XXXX. Representatives are available 24 hours a day, 7 days a week. 

Claim Summary Account Ending In : XXXX Disputed transaction ( s ) : 4 Total claim amount : {$2800.00} Transaction Details XX/XX/XXXX BANK OF AMERICA {$1000.00} XX/XX/XXXX BANK OF AMERICA {$680.00} XX/XX/XXXX BANK OF AMERICA {$160.00} XX/XX/XXXX BANK OF AMERICA {$960.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submited a notice of deispute to verify or delete derogatory items on my credit history, two so called debts from XXXX XXXX XXXX, & one from the XXXX   XXXX XXXX. I submitted this dispute to all three credit bureaus, XXXX, XXXX , & Trans Union, on XX/XX/2019, Requesting the XXXX Credit Bureau verify the account actually exists by providing me proof of the Original Consumer Contract with my Signature. All three credit bureaus failed to validate the so called debts with the original consumer contracts with my signature, responding that they were verified. I requested the proof that these debts even existed they did not provide the proof. This is damaging my credit history and score by providing inaccurate data to companies that are willing to loan me funding. I need this issue resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, Acct # XXXX, and XXXX XXXX XXXX, Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX refuses to remove the unauthorized inquiries from my consumer report even though Ive submitted via fax all of the required documents. I faxed the FTC report on XX/XX/ and Equifax continuously gives the response of not receiving it. Ive continue to have this issue with EQUIFAX every time I submit documentation. I have submitted several other faxes to XXXX which was verified by every representative Ive spoken to. I spoke to XXXX XXXX concerning this issue. Ive also spoken to Agent XXXX on XX/XX/2021 at XXXX XXXX and Agent XXXX today on XX/XX/2021 at XXXX to resolve this matter and I was told again that the issue could not be resolved! Then I was placed on hold by Agent XXXX once I requested to speak to a supervisor and was never transferred! I was directed to a totally different department that handles online memberships! And I was hold for almost an hour! I am providing proof of delivery by fax via transmission verification report provided by XXXX to show that EQUIFAX has indeed received my documents and Im also including a screenshot of the time I was on hold and never transferred to a supervisor! Im am also putting EQUIFAX on notice through this complaint through the CFPB that EQUIFAX is violating my consumer rights are civilly liable pursuant 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023