23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX, I responded to an offer sent to me in the mail by American Express for a " Gold Card ''. At the time, I was a XXXX in college. I was approved for the card and used it for approximately one year. In XX/XX/XXXX, as a XXXX in college, I encountered severe financial difficulties and was unable to pay a {$1200.00} balance on the card. American Express refused to provide additional runway for payment, and subsequently closed my account and turned it over to collections. Between XX/XX/XXXX and XX/XX/XXXX, I was a struggling recent college graduate and was being hounded by the collection bureau hired by American Express. In XX/XX/XXXX, I settled the balance with the collection agency ( for less the the full amount owed ). The collection agency promised to me that this would not reflect negatively on my credit report, but that promise was not kept and the account was reported as a charge off. Fast forward to early XX/XX/XXXX, and my financial position had drastically improved. I attempted to refinance my student loans, but was denied because of the derogatory remark on my credit report from American Express. After several months of working with the American Express Credit Bureau Unit, I was promised that if I paid the remaining balance on the account ( {$300.00} ) then the derogatory remark on my credit report would be completely removed and that the account would show as paid in full. This is important because by making this change, the single derogatory remark on my report would be removed and I would be eligible to refinance my considerable student debt. American Express did indeed make a change to my report, however it was not the change they had promised me. The account now reads " Paid, was a charge off '', which is still a derogatory remark. upon escalating this issue with management at the American Express Credit Bureau Unit ( to a manager named XXXX XXXX ), he promised to review the recorded call in which a representative ( named XXXX ) made this promise to me. Earlier today, he informed me that he found no evidence of a promise. I feel taken advantage of and misled. I heeded the advice given to me by a representative of American Express, sent a considerable amount of money to the company, and am now being treated as a liar.
Product: Debt collection

I am writing to file a formal complaint against TRANSWORLD SYSTEMS INC, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
TRANSWORLD SYSTEMS INC, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone number, XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that TRANSWORLD SYSTEMS INC has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against TRANSWORLD SYSTEMS INC to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold TRANSWORLD SYSTEMS INC accountable for their unlawful conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$820.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$280.00}, and DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to remove a dispute from my credit report in the remarks section of XXXX XXXX XXXX. I have called many times and it appears that the agents do not know how to remove remarks from the credit report. When I contacted the other two credit reporting agencies, they were able to remove the remarks within a few hours and not days. Th first time I called on XX/XX/21 they gave me dispute number XXXX. Then, I called again on XX/XX/21 and the agent told me that the first agent did not do this correctly and canceled the dispute and gave me a new dispute numbered XXXX. The dispute was marked resolved on XX/XX/21 but they did not remove the remarks as requested. Instead, they contacted XXXX XXXX asking to verify the information, which is not what I wanted. I just called again on XX/XX/21 and now they gave me another dispute number XXXX. But the issue is still not resolved. If fact it is now worse then before because apparently an agent also put in a dispute for XXXX XXXX 1 which I never disputed. It appears the Equifax does not know how to handle this type of request as the other reporting agencies are able to. Also, now I notice that the other two credit agencies now have a message in the remarks section saying that I disputed this account. I believe this was added because XXXX XXXX sent the updated info a to all 3 reporting agencies when the dispute was filed which now, I must call the other two reporting agencies again to have them remove the remarks again as I am not disputing them.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XX/XX/2025, I applied for and was approved for a loan through XXXX XXXX While reading over the documents, I looked at the finance charge. The finance charge is XXXX % and would cost me {$6100.00} for a total pay back of {$9000.00}. I did the math and it didn't calculate correctly. XXXX % of {$2900.00} = {$5600.00}. {$6100.00} = XXXX % of {$2900.00}. I called to discuss this and of course they were closed with it being a Sunday. This morning, Monday, XXXX XX/XX/2025, at approximately XXXX I called XXXX XXXX  to discuss this loan. I took another look at my loan documents and this time it shows XXXX % with the Finance Charge being {$6000.00} for a total of {$8900.00} being paid back. XXXX % of {$2900.00} = XXXX, not {$6000.00}. {$680.00} is XXXX % of {$2900.00}, not XXXX %. When I was able to speak with somebody on the phone, I asked why the documents show I would be paying back more than I should be. His response, like being on repeat, was " It is system generated. '' He continually said they could not manipulate or change the documents because it is system generated. He could not see the documents, but was able to see the loan approved amount. When I asked that he tell me what XXXX % of {$2900.00} is, he said even if he could tell me, he could not change the document because it is system generated. I asked to speak with a supervisor and he said they would tell me the same thing. I did inquire about if I took the loan and decided I didn't want it, what would I need to pay back. Because he could not see anything other than the approved loan amount in my account, he could not tell me what the cancellation date would be. The difference between XXXX % and XXXX  %, from what is on the loan documents, is {$47.00} for a .01 % difference. The percentages are wrong for the finance charges and the finance charges are not what the percentages shown should be. How can a higher percentage be lower than a lower percentage on the same amount to be financed?
Product: Checking or savings account

Will on vacation in XXXX XXXX XXXX, Fl my husband entered on XX/XX/scrub>/24 Truist Bank at XXXX XXXX XXXX XXXX XXXX, XXXX Fl to make a simple transaction. He presented his current Drivers License & his bank deposit slip! We have several accounts with them! I was outside in car! The bank did not appear to be crowed but after about 5 to 10 minutes I decided to go inside because it was hot & the transaction my husband was doing should not have taken long! I stood at the door & my husband appeared to be being helped! Probably another 5 minutes went by & I walked up to my husband because he was still waiting & I asked him was there a problem? He responded to me I am not sure the teller has not said anything! We could see this teller apparently she worked the drive through window I believe! She discussed our account or transaction I believe with about 5 other people showing whatever was on the computer. Why! She never came to us to explain what the problem was or refer us to her boss! And I am not sure why I did not ask for the person in charge! Yet none of people who she was talking to seen to know what to do or refer her to who was over her! Several of the people were tellers & I not sure who the other two people were but they apparently worked in the bank & passed by me! I asked them both what was the problem? They both acted like deers without there headlights! The teller came up front I told my husband his ID did not match! Match what! 
My husband told her she could call any branch in XXXX because they all know him! She said okay but didnt call anyone! So she went back to typing then finally hollered I am process your transaction now & so every body in bank could hear her! I talked to the Branch Manger today XXXXXXXX XXXX24 & apparently this is good customer service. She had no satisfactory answer as to why this teller told my husband his Georgia ID did not match! However did invite me to meet her if I am ever in area! I advised her I had no attention of ever coming in this bank again! I am not sure what her response was!
Product: Prepaid card

I purchased a prepaid card at XXXX XXXX ( XXXX ) in Oregon last year. 
I used the card solely for XXXX  trips while on vacation in XXXX. 
I had {$190.00} balance left on the card when I got back home to XXXX  in XXXX of XXXX. 
I recently tried to use the card for a ride to the airport in XXXX XXXX. 
I got a message back saying there wasn't enough money left on the card for the ride. 
When I went to the card site to check the balance, I saw a {$170.00} charge to a mechanic in XXXX XXXX  on XX/XX/year>. 
I was home in XXXX  in XXXX. 
I called the card service number and a gentleman told me I had to fax them a copy of the front and back of my card along with a photocopy of my government ID.

The gentleman told me to send a copy of either my drivers license or passport.

I sent a photocopy of my passport.

He said to give them " 2-3 business days '', then to call back to proceed with my dispute. 
Today is the fourth business day after faxing the info, so I called them. 
As soon as I said why I was calling I was hung up on. 
I called back and got a different customer service person, told her why I was calling, and got hung up on again. 
I want my {$170.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to misreport any information on my credit history.. Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : 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 ( Original Creditor : XXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  XXXX,
Product: Credit card

Chase Credit Services reported 30 Day Late ( XXXX 2012 ) to all major credit bureaus ( XXXX, XXXX, and XXXX ) arguing that Chase did not received payment from me for the month of XXXX 2012. The payment for XXXX 2012 was submitted on XXXX XXXX, 2012 through chase.com online portal, however, Chase Card Services failed to process the payment for unknown reason. I provided proof of payment to Chase Credit Services, however, chase.com stubbornly refuse to remove 30 Day Late from all XXXX major credit bureaus without proof or good cause.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX Last 4 sociaXXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/20 XX/XX/20 XX/XX/20 and accordance with the fair credit act loan company XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 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 a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. Best Regards, XXXX XXXX You have inaccuracies on my credit reports I was never 120-149 days past due thats WRONG and milacious information you are trying to mess up my credit this is fraud
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to withdraw funds from my Robinhood account to pay my bills, but my transaction was repeatedly reversed. For some unknown reason, Robinhood flagged my bank account as suspicious even though it has been linked to my Robinhood account for over three years. As a result, they restricted my account and prevented me from transferring any funds until their review process is complete. I have given them all the information needed in order to remove the restriction from my account. However, it has now been XXXX days, and my account is still restricted, with no clear timeline for when the issue be resolved. The deadline for the review keeps getting pushed back, and based on online reports, many other customers have experienced similar problems. For some, this has resulted in Robinhood permanently banning their accounts and withholding their funds. Although my account hasn't been banned yet, I'm concerned that it may happen to me as well, especially since I have {$15000.00} in Robinhood that I urgently need to access to pay my bills.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account number : XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXXY Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX XXXX XXXX our mortgage company account number # XXXX gave us emergence relief do to Hurricane Irma for 3 months. After 3 month or on XX/XX/XXXX we started payment again to XXXX XXXX until our loan was approved for modification in XXXX of XXXX. Last payment from us to XXXX was XX/XX/XXXX XXXX.In XXXX of XXXX XXXX sold our loan to Ditech new account # XXXX in the process XXXX XXXX  XXXX did not record our new modified loan. In XX/XX/XXXX of XXXX we started sending our payments to Ditech account # XXXX for 5 months our last payment was sent to Ditech on XX/XX/XXXX. In XXXX of XXXX Ditech sold our loan to XXXX new account # XXXX from XX/XX/XXXX to current. Currently Ditech is reporting to all Credit Bauru we are 180 days late from XXXX of XXXX. This is not correct we were never late on any payments. I have disputed Ditech report to all major credit companies on many occasion without any result. Ditech told me XXXX is the entity responsible for 180 days late payment, when I speak to XXXX XXXX XXXX  they are telling me they have not reported any late payments and it is Ditech problem not XXXX issue.
Product: Checking or savings account

Good afternoon. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. I have good credit history with my credit cards and I have a debit card with one bank and Ive been having good history why is it still on my records if this wasnt my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account Name : XXXX XXXX XXXX  15 U.S.C. 1681 section 602 ( a ) states that I have the right to privacy. 

15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furbish an account without my written instructions.

15 U.S.C. 1681c. section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer reports containing any of the following items of information : any 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 section 623 ( a ) ( 1 ) states that a person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX and have asked them to close the fraudulent accounts and to remove the hard inquiries. They are in the process of closing the accounts BUT the hard inquiries are yet to be removed. I need the hard inquiries dated XX/XX/year> and XX/XX/XXXX, XXXX i didnt give permission for my information to be used to open any accounts. they CU is closing them. I need the hard inquiries removed. A fraud alert has been put on my credit reports.
Product: Mortgage

I sent Bank of America a letter of intent to recast my mortgage, a certified check to be applied against my principal and a seperate check to cover the recast fee. Both checks were received and deposited at the end of XXXX, over a month ago. I contacted BOA in early XXXX to request a status report. Was told they lost my letter of intent, faxed another letter of intent. Called a week later and was told that the back office team had not assigned the request for recast. Was told that a specific request to assign the recast would be made that day, XXXX XXXX. Was told that it would take two weeks to complete the recast. Called back a week later and was told that the recast was assigned on XXXX XXXX and that they had two weeks to complete the process. Confirmed with Customer Service that " back office team '' had everyrthing they needed. Called XXXX XXXX and was told that no information was available from " back office team '' and could not confirm the status of the recast. Was told an " urgent request '' was being sent to get the status of the case and to call back the next day. Called today, XXXX XXXX, was told no information was received from " the back office team ''. Customer service rep agreed to contact her Manager to have her intervene with " back office team ''. Customer service rep created a direct request folder and gave me the number to consolidate all efforts to get any response from the " back office team ''. Agreed to call back this afternoon.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts and inquiries, which are a result of fraudulent activity, be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/scrub>, 2024, I initiated a complaint with a credit reporting agency regarding discrepancies in my credit report which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to follow up, the agency has refused to conduct an active investigation into the matter. I contacted them multiple times via phone and email to request an investigation, but each time, I was either ignored or told that no investigation would be conducted. This refusal to investigate is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputes. I am seeking the CFPB 's assistance to compel this credit reporting agency to comply with FCRA laws and investigate this matter thoroughly. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BARCLAYSBK Account Number : XXXX This is not mine.