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

TransUnion should ensure that my correct personal information is reflected on my credit report. The employer listed as " XXXX XXXX XXXX '' should be removed, and only my current employer, " XXXX XXXX XXXX XXXXXXXX, '' should be reflected. This inaccuracy violates the requirement for maximum possible accuracy under 15 USC 1681e ( b ), which mandates that only correct and authorized information be provided. Failure to correct this information may constitute willful noncompliance under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation. I request that this correction be made promptly. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an email from Experian titled " Your new Experian Credit Reort and FICO Score are ready. '' When I attempt to login and retrieve it, I am told that I will need to receive a code by phone. There are two problems with the phone number to which a code would be sent : ( 1 ) It is no longer my number. ( 2 ) Even when it was my number, it was a landline and COULD NOT RECEIVE texts. To bypass this step, I need my security question, which I have, and a 4 digit pin, which I do not. When I call customer support, I am offered two options -- get a new password or retrieve my user name. No assistance retrieving pin is offered. There are NO OTHER CHOICES. So if you have a problem not covered by the incomplete list of phone menu choices, you've hit a dead end. No instruction provided on talking to a person or emailing or even mailing. I can not retrieve my credit report.
Product: Student loan

Never received written or email verification of the change of servicer from former to new servicer. Never received a periodic billing statement before the payment due date. Never signed up for auto draft with new provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and lexis XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 



USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter certified mail to the targeted company stating there is a number of 'alleged ' student loans listed on my credit report and I do not recognize any of them and am requesting that are deleted per FCRA 623. For which they have been directly negatively effecting me and are starting to cause damages to my life.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 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 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 ) 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

For this card, I haven't received this physical card and paper statement after I requested it since this XXXX. However, I have other similar credit card related to homedepot and the other one has always sent me the paper statement. So THD/CBNA kept asking me pay only {$12.00} for 3 months but I haven't known it. For the new card open, everything is not set up yet. Normally the bank should send me paper notice to ask payment if it hasn't received the payment, but It didn't send any paper notices to me yet. The only thing THD/CBNA did is : send " delinquency '' report to 3 major credit bureaus. My credit score dropped about 90 points for only {$12.00}. It is so unfair to me!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/2025, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card XXXX. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
This issue appears to be in violation of the provisions of 15 U.S.

Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 9 16811 and 15 U.S. Code 1681s-2. Furthermore, I would like to refer to the XXXX XXXX XXXX of XXXX ( XXXX )
Product: Checking or savings account

The company XXXX  sent money to the account I owed money and now they are saying it will take 60 days to get my money back. I have asked the company to send my money back to my checking account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE SECOND TIME I FILING A COMPLAINT WITH CFPB WITH THIS CREDITOR. TRANSUNION CREDIT REPORT IS DOING A TERRIBLE JOB WITH THIS CREDITOR. THE CREDITOR NAME IS CHILD SUPPORT. THE LAST 3 MONTHS IT KEEPS OPENING AND CLOSING THE ACCOUNT WHEN CLEARLY ON XXXX ITS SHOWS THE ACCOUNT IS CLOSED. I AM TIRED OF THIS PROBLEM AND IF IT CAN NOT BE FIXED PLEASE DELETE THIS FROM CREDIT REPORT OR I WILL TAKE LEGAL ACTION. I WILL SUBMIT ALL MY PROOF WITH THIS COMPLAINT. I WANT EVERYONE TO KNOW THESE CREDIT REPORTING BUREAUS DO NOT CARE ABOUT YOUR RIGHTS.
Product: Credit card or prepaid card

Another issue with Chase Sapphire Reserve benefits. 
It is just absurd to allow this bank to operate freely like that with no consequence. 
Now I have a claim for the Purchase Protection that is another disaster. 
I purchased a glass pot during a trip through XXXX and unfortunately it broke on the bus. 
I submitted all the documentation including photo of the broken pot, receipt and credit card statement. Everything just like as requested, and in order. 
All I keep getting is a request from the company saying my receipt is not legible. So absurd! It is very clear, you can read every single character there. It is a high definition photo that allows you to zoom and see even the tiny paper marks. There is absolutely nothing illegible there. 
If the person working on the claim really thinks it's not legible, I strongly suggest doing an eye exam. 

*I refuse to play this game*. 

It is the THIRD time I'm requested to reupload the documentation, and the documentation IS VERY clear and totally legible. 

This is a clear attempt to not deliver the benefit, and should be investigated. 
I'll attach here the exact same image I sent to the claim. 

CFPB : we are dealing with an IRRESPONSIBLE company that should be fined for doing this. As I said before, THIS IS NOT the first time I have problems with benefits offered by Chase.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, XXXX TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$500.00} from XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly.

Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and XXXX XXXX XXXX XXXX in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, TX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've purchase an XXXX XXXX  from XXXX official website on XX/XX/XXXX, in an amount of {$2600.00} USD, using my apple card online. About a year later, around mid XX/XX/XXXX, the unit stopped working. I've tried unplug and plug it back in but still nothing light up. I've then try to call the customer support line number on their website and was left on hold for an hour and a half, then disconnected from their end. I've tried to call back 2-3 times but no one pick up. On XX/XX/XXXX, I filed a dispute with apple card Goldman Sachs , for faulty unit that not as described, stopped working, and unable to contact merchant via email or phone call, regardless of multiple attempts. No service were performed since they don't have a local office or a physical in person store, everything is online. I still haven't able to talk to anyone at the merchant, to this day. Apple card support kept opening and closing my dispute in favor of merchant with reason being not enough evidence to support my claim. I sent them my most recent email with the merchant and every information I do have. I am not able to reach the merchant for a solution and apple card support does not seem to understand.
Product: Credit card or prepaid card

Recently Citibank publicly stated they are no longer supporting businesses with loans and other financing related issues that are connected to or involved with the firearms industry, including companies that build firearms and accessories. Through the power that Citibank holds with their ability To destroy companies operating legally and manufacturing legal items, they are attempting to legislate through ( social ) virtue signaling rather than Congress legislating.

As Ciitibank owns a number of private companys credit card and credit card services such as Home Depot, XXXX and others, I firmly believe that their privacy policies need to include information that they are withholding and or no longer loaning or servicing businesses that are involved in the firearms industry. This is a direct infringement on the second amendment to our Constitution. Personally, I will no longer be using credit cards I hold for XXXX, Home Depot and any other businesses that are owned by Citibank. 
It is imperative that consumers understand that Citibank discriminates concerning the firearms industry so that those consumers can make the decision to do business or not with Citibank or any other businesses that are owned by, supported by or otherwise financially connected to Citibank.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 an iquiry appeared on my report. I would simply like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX : # 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 15 U.S.C 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 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 ) 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

We were victims of an employment scam involving check fraud. The scammers sent a check for the total amount of {$3100.00}. via email. It was too deposit it into the bank account. I used my USAA account where the funds were available right away. Next they wanted me to transfer via XXXX some of the money to set up XXXX time tracker, to track my work at home. It all seemed legit. The XXXX app did not work. So they had me proceed to my bank ATM and take the {$2600.00} out and then put it into a bit coin ATM to their department. While at the ATM, I had complete XXXX different transactions to withdraw the {$2600.00}, which did not flag the fraud alert that is promised with banking with USAA. 
Within XXXX minutes after depositing the check. I tried to log onto my USAA bank account and the account was locked, there was no notification from USAA and I called to find out why, and they had told me that the check I had deposited was a fake check. 
I reported this to the XXXX, my report number is : XXXX. USAA never called me to tell me the check was fake, never sent me a notification to my account saying it was fake, they just locked me out of my account with XXXX communication. 
I contacted the USAA fraud department and placed a report with them, they helped me to change all of my login information and passwords, just in case. They told me that there would be an investigation into the fraud. And I should send over any information I had, such as police reports and the XXXX  number. During that week I assumed that the investigation into the fraud was being done by USAA. I sent over all the information I had via text and downloads onto the USAA site. During the first week, I contacted USAA several time and gave them my information all the time thinking an investigation was happening into the fraud. 
On XX/XX/XXXX, I never received any communication about anything from USAA I see in my account that the check had bounced and I was to pay the full amount back. I called USAA and after being transferred XXXX times!! I spoke with someone in checking who said there is a fraud investigation and he does not have answers, he said at that time that he is not sure if we will be paying back the full amount, if we will need to pay part or none of it. 
On XXXX XXXX, I talked with an USAA representative who said there was no fraud case happening, he did not have any information on it and that as of XX/XX/XXXX I owed the full amount back. I couldnt believe it, after submitting a case never getting any communication at all from USAA especially not even getting a phone call when the check was realized to be bad. I really couldnt believe this. We were given the run around by USAA for so long saying yes there was a fraud case in the matter, then suddenly there wasnt.
Product: Credit card

I opened a credit card with bank of america, and the card arrived. When I try to activate it, the agent can not send the text message to my phone number. Then he try to use personal question like my car model to verify me. It is ok that time, but he can not activate it. The next several agent all asked me to go to a branch while in my state there is no branch at all. And it is impossible for me to drive 100 mile in weekday for that. Then I call them again, this time I just asked them to close the account. They can not do that either, so weird.
Product: Credit card or prepaid card

I have a credit card with TD card services called the cash card. I've had it for some time. Recently, I received a notice in the mail saying my payment was past due. My card has previously been on Autopay for the entire life of the account, with no changes made by me. I called TD card services, and was told that in mid XX/XX/XXXX, they revamped their website, and that has caused my Autopay information to be lost, and that I am now late on my payment and was charged a late fee plus interest, in addition to dinging my credit. This is unacceptable. There was no notice (mail or email) from the company regarding this change in the website and the need to re-enter auto pay information. When I called them, they said they would give me a "one - time courtesy fee waiver" and credit me the fee plus interest. I need no resolution of this issue as I am OK with being credited the fee plus interest and was able to pay my bill over the phone. I am just extremely perturbed that this went on at all and that my credit has taken a hit because of the incompetence of and lack of communication from TDbank. I am not sure how many people were affected by this website change and how many people were wrongly charged late fees plus interest but I imagine this affected many customers. This type of behavior from the bank should not be tolerated.