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

Transunion is not following the laws.. the account XXXX XXXX I have asked Transunion to verify the original contract.. the signed document the ORGINAL address we're this card was open from and I have not received anything. This account was open fraudulent. I have asked for them to remove this from my credit report and they have not removed it... I demand
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : First Payment Was Never Missed : Contrary to the report, my first payment was made on time. I have attached bank statements and payment confirmations showing that the payment was processed before the deadline. This should not have been recorded as late. 
Clerical Error by XXXX : After contacting XXXX, it became evident that a clerical error was made when processing the payment. They mistakenly recorded my account as delinquent despite receiving the funds on time. I have attached correspondence with XXXX acknowledging this error and confirming the payment was made. 
Inconsistent Reporting : While TransUnion and XXXX both show a XXXX late payment, XXXX has no record of any delinquencies on this account. This inconsistency between the credit bureaus is further evidence that there is a reporting error. I have attached copies of my credit report from XXXX showing that the account is reported as current and up to date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ Credit Reporting Agency Name ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On XXXX. XXXX, 2019, CONTINENTAL FIN CO add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX.
Product: Bank account or service

I had an account with Nation 's Bank years ago when Bank of America purchased Nation 's Bank and grandfathered my no fee checking. I moved this account to XXXX, Oregon and BoA grandfathered my no fee checking. BoA compelled me to change the account to a no-interest checking account when I purchased a home with BoA mortgage. BoA then sold my mortgage disqualifying me from having the account at no charge to me. They claimed they would grandfather me. Fraud occurred in XXXX XX/XX/2014 with a washed check, at BoA request we opened a new account and at great annoyance migrated everything ( bills, autopays, etc. ) to that account over 3 months time. They promised they would grandfather my new account. Their payments got messed up and they failed to make a scheduled mortgage payment inciting my mortgage company to interrogate me. After unwinding that in-person at BoA they again promised to grandfather my account. On XXXX XXXX, BoA started charging a new fee ( {$25.00} maintenance ) posted on XXXX XXXX to my account. On inquiry they determined they would not live up to their promised grandfathering and offered other fee based account options. While they refunded the fee they failed to mention I would get charged the same fee the next month. 

Through mergers and coercive behavior, the gov is a willing participant in reducing competition and reducing consumer services while funding these companies with taxpayer dollars.
Product: Checking or savings account

To Whom It May Concern Re : Claim # XXXX I'm disputing Chase Bank Claim. JP Morgan Chase Bank allowed a merchant ( XXXX XXXX ) to debited my account using a debit card that was reported lost/stolen. It is obvious that JP Morgan Chase Bank is not taking responsibility for their error. 

On XX/XX/XXXX, I used my debit card ( ending XXXX ) at XXXX XXXX XXXX. They obtained an authorization for {$50.00} deposit. OnXX/XX/XXXX, the {$50.00} deposit was deducted out of my checking account and the authorization code should have gone away. 

According to JP Morgan Chase Bank response to your agency, the merchant ( XXXX XXXX ) used the same authorization code that was obtained back on XX/XX/XXXX, to debit my account for {$670.00} two months later. It is not possible for a merchant to use an old authorization code from two months prior especially after the original amount {$50.00} was debit from my account. It clearly shows on my bank statement XXXX debited my account {$50.00} and at that time that was all they were authorized because my car insurance company was paying the entire rental I could understand if XXXX an authorization code pending but they did not. Chase allowed {$670.00} to be deducted from my checking account fraudulently. 

I recommend Chase Bank take responsibility for their error and credit my checking account the negative balance including all the fees the account incurred. If they don't own up to their mistake I'm prepared to contact an attorney. I've been patient and cooperative with Chase. But I'm getting frustrated and I'm not letting them getting get away with this ' Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.
Product: Bank account or service

Citibank, withdraws funds from my account without record as to why, and without proper notifications or consent. I do not believe Citibank follows due process in alerting customers and keeping proper record of such transactions. 

For example, I just had a {$600.00} ACH withdrawal from my account and the bank " could not provide any explanation or details on the incident ''. Yes, thats correct. Money was withdraw without authorization, explanation, and nobody has a record of why this occurred. 

In detail, On XXXX/XXXX/2017 I received a promotional credit of {$600.00} from Citibank for becoming a customer. Today, they subtracted the {$600.00}, nobody from customer service could provide an explanation. However, when I asked was this an employee or computer error ; the representative then stated it looks like human error, but could not provide any further info. Thats alarming cause that would mean some unprincipled, deceitful, and unreliable employee has access / rights to subtract funds from customers without a proper trail or report as to what happened. 

I am contacting you cause I think Citibank is abusing its power / size, in attempt to break laws or at minimum show little regard towards there customers interests. 

I would like your assistance in obtaining a synopsis from Citibank, outlining who and how their employees have access to and can make changes ( including withdraws, credits, and contact info ) to customers accounts without formal notice nor proper records of such transactions. 

If Citibank can not keep proper records of there own activities then how to they protect customers. A global bank of this magnitude should have meticulous records ; not " I do n't knows ''. 

A PDF copy of Citibank 's promotion has been attached. Where as you can compare their terms and conditions against there own unlawful actions. Im wondering if they tried pulling a fast one. For instance, if I did not make a copy of this flyer, they could then find reasons to go against there word and take back an offer ( false advertising or trickery ). 

Your assistance is greatly appreciated. I want to make sure similar activities do not happen to others.
Product: Credit card or prepaid card

My wife and I saw the promotional offer of XXXX award miles after making one purchase and paying the {$99.00} annual fee. It was a targeted promotion advertised on a travel website. My wife and I used the same link, on the same day, approximately one minute apart from each other, when the cards came in my wife received the correct promotional offer but I did not receive what was advertised. Instead I received an offer of XXXX award miles after purchasing {$2000.00} in minimum spend over 90 days. I called Barclays to explain the situation, the agent pulled up mine and my wifes account and said yes, they made a mistake and we can get this fixed for you. A few weeks go by, nothing changes. So we call the company again. This time I speak with a manager who tells me that it is pending investigation and they may or may not fix the issue, and they will do it whenever they get to it. I was not given a time frame. I have called back several times and at least three times have been disconnected with no call back. Once I asked the agent if I could give him my number so that if I was disconnected he could call me back, he said but that he would out a note for someone to call me back. SurpriseI was disconnected again, with no call back. After calling again, I asked to speak with the first agent I spoke with, was told no but was told I would receive a call back from a manager within 24 hours. It has been 48 hours and no call has been received. This is false advertising. I specifically used a link promoting a specific offer and did not receive that offer. My wife has already received her miles award and it has been deposited into her account, but XXXX cant even get a call back or an answer. Their website says they try to handle complaints quickly, but when I call I get a response of we dont know, they usually take several billing cycles if they fix the issue at all. The phone calls are recorded, but we cant ever talk to the same person or find out extension numbers or get call backs if we get disconnected. This feels intentional, and it is false advertising. I would never have signed up for this card for the offer I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send TransUnion a total of three letters regarding inquiries that they are reporting on my credit report. the last letter I sent with tracking number XXXX XXXX XXXX XXXX XXXX they are reporting not yet proven compliant information. Trans Union has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFYLLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead Trans Union ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.
Product: Credit reporting

EXPERIANXXXX XXXX XXXXSTATUS SHOWING SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS UNPAID BALANCE ( SHOULD BE CHAPTER XXXX BANKRUPTCY
Product: Credit card or prepaid card

I opened credit card account with Gemini in XXXX. I made one payment on schedule. After that they suspended my account and then sent an email that my account was reinstated and able to use again. This was false. I have the emails and correspondence. Then they put a charge off on my credit report. I could not go into use the website and I cant make minimum payments now. I want them to reverse the charge off on my credit report and I will pay the minimum payments and want the card open again. Their technology was terrible. I attach the correspondence.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres? for these violations.
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 confidentiality under 15 USC 1681. 
The following : XXXX. Account : XXXX XXXX # XXXX XXXX. Account : XXXX XXXX XXXXXXXX # XXXX XXXX. Account : XXXX XXXX XXXXXXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXXXXXX XXXX ; #, XXXX XXXX. Account : XXXX XXXX  ; #, XXXX XXXX. Account : XXXX XXXX ; #, XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : 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: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent letters to this company multiple times in 2024 requesting that this information be removed, didn't receive a response. I am writing to formally request the immediate blocking and removal of fraudulent information from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and the following information on my report is fraudulent :
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : Toyota Financial Services added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. Toyota has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit.

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to Toyota explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since Toyota 's negligence has greatly impacted by ability to currently obtain a mortgage ).

Step 3 : Toyota responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : Toyota Financial Services never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency.

I would like Toyota Financial Services to fix what was wrongly done.

Companies Involved : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Toyota Financial Services.
Product: Credit reporting

I have disputed this bankruptcy countless times. Equifax keeps reporting this bankruptcy but they will not give me any documentation that states how they determine that this bankruptcy belongs to me. The federal courts do not give out Social Security number 's so I want to know how this Equifax keeps determining that the Bankruptcy belongs to me.
Product: Payday loan, title loan, or personal loan

I contacted the loan company by phone at XXXX and spoke to XXXX. I asked her what the current principal balance was of my loan ( which has an outstanding total balance of {$2600.00} ). She informed me that the principal was actually {$2600.00} which makes no sense. She would not elaborate and kept telling me that the system wouldn't give her that information. I told her that I wanted to make a payment towards the principal that was left on the loan so I could shorten the amount of payments left. She told me that I couldn't pay down the principal of the loan in any way, that any amount I sent would be automatically applied to the outstanding interest first and whatever was left over would be applied towards the principal. She said that no one would help to do what I am trying to do because that is their policy. I am trying to make a substantial payment to pay off this loan early and this loan company is defying me at every step. They will not even tell me what the total payoff is that would make this go away or shorten the loan term. Is there any way to make them accept my payment? I want to send them {$1000.00} but I want it to go to paying off the principal ( whatever that is ) and then I can continue to make regular payments until the interest ( which should stop accruing after the principal payment ) through today 's date of accrual. Can someone please help me since the interest on this loan in 135 % which is killing me.
Product: Credit card

I want to close my Citi Advantage Business Credit Card XXXX XXXX XXXX XXXX. However, prior to closing this account I would like to request the existing credit line of {$11000.00} to be transferred over to my Citi Advantage Executive Credit Card ( XXXX XXXX ), making the Cit Advantage Executive Credit Card Credit line total {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was alerted the other day of a collection that popped up on my credit.A collection for a debt I was not notified of, by a company whom I looked up and shows not to be licensed to collect in my state Medical Data Systems. Not only that, but as I have never been notified of this there has not been opportunity to dispute. This should immediately be deleted from my credit report as it can not reflect correct information. Furthermore as medical information is Hipaa protected and this company is based in another state and not bonded to collect in Texas they can not have a signed contract verifying said debt. I have attached a screen shot of the secretary of state website where the only company under this name that was bonded to collected in Texas has that bond cancelled.