23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Around XX/XX/XXXX i checked my credit report and all my inquires was deleted when i check my report today they all back and my score went down.
Product: Mortgage

Have started to notice XXXX XXXX delays applying payment when paying by mail, at least 5 days, can be up to 10, now trying to pay online, and their online payment system is down, so they can collect more interest. this may be coincidental but, the optics look bad.
Product: Money transfer, virtual currency, or money service

Fraudulent charges occurred multiple times over yhe past 4 years resulting in re-issurance of several cash app cards due to fraudulent purchases that rarely ended with me receiving a refund of my money. Cash App did nothing & provided no support except a bot that repeated the same auto generated message that resulted in me going on a loop to answer the same questions
Product: Credit reporting or other personal consumer reports

**Subject : ** Pre-Arbitration Complaint Against TransUnion for Violations of FCRA and Privacy Act of 1974 Dear CFPB, I am writing to formally file a pre-arbitration complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ), and the Privacy Act of 1974. TransUnion has improperly included transaction histories, late payments, and credit utilization data in my credit report, which should be excluded under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ). This section, as outlined in 12 CFR 1022.3 ( c ), excludes transaction or experience information between the consumer and the reporting party from being included in a consumer report. 

Moreover, TransUnion has shared my transaction history with affiliated companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in violation of both the FCRA and the Privacy Act of 1974. & 16 CFR Part 313 - PRIVACY OF CONSUMER FINANCIAL INFORMATION Additionally, I have identified multiple unauthorized inquiries on my credit report from the following institutions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that TransUnion update my credit report to reflect all transaction histories as XXXX and ensure that all accounts are reported as current. TransUnion has 30 days from the date of this letter to make these corrections. If these updates are not made within this timeframe, I will have no choice but to initiate electronic arbitration proceedings.

These actions by TransUnion represent a clear violation of the FCRA and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure compliance with the legal standards set forth in these regulations.

Thank you for your prompt attention to this matter.
Product: Debt collection

TSI-Transworld Systems Inc XXXX 

This collection agency took the debt over of my XXXX XXXX XXXX. On XX/XX/XXXX, I rec 'd a letter informing me the debt was {$13000.00} and a monthly payment of {$570.00} as agreed on would come out of my bank for 23 months which would equal {$13000.00}. This is more than the debt on the payment notice. On the account summary from XXXX XXXX XXXX, on XX/XX/XXXX the debt was listed as {$10000.00}. I rec 'd a copy of account summary on XX/XX/XXXX as i had been locked out of the XXXX XXXX account and started noticing discrepancies b/w the XXXX XXXX monthly statement and the TSI monthly account statement. When I called in XX/XX/XXXX to verify the payment plan had stopped, I was informed I still owed {$8400.00}, and the 23-month payment plan was just the length they can set payments up and the amount is more because they charge fees and there is interest added. I agreed to start paying {$1200.00} to get this paid in full. However, I started noticing each statement from the XXXX XXXX XXXX had different amount owned than the statement from TSI. Again, I called and was told this is due to interest and their fees and the debt can change at any time. I did request during that call an account summary. As of XX/XX/XXXX XXXX XXXX XXXX  statement reports the debt as {$3400.00} and TSI statement reports the debt as {$4000.00} which went up from the amount, they reported in the phone call which was $ {$4000.00} still owed per XXXX. As of date, I have paid this company {$15000.00} well over the original debt told to me and they have me still owing {$4000.00}. I have all of the documentation and bank statements. Additional files upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am accusing Transunion of fraud. Transunion has deliberately removed three XXXX student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Transunion violated its own regulations. Also, Transunion fails to give an explanation for the deletion. In addition, Transunion reports payment history information in a misleading manner, as well as high balance statements, such as high balance amount running from year to year or a series of years without change. Furthermore, a credit reporting representative admitted that the early removal of satisfactory accounts negatively impacts a consumer 's credit score. I have been trying to resolve my disputes with this agency since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My complaint involves my Macy Account of approximately 20 years. I have patronized Macy 's for many years hence spent lots of money and was NEVER late on a payment until ; I changed from paper billing to online billing in XX/XX/XXXX. Not being totally use to the billing cycle online and having had a major health issue, a couple of payment got away from me and I was late with a couple of payments in XX/XX/XXXX/XX/XX/XXXX. <P/>In XX/XX/XXXX, I had a death in the family and unfortunately lost track again with online billing added to the stress of life and was a couple of paymentsXX/XX/XXXX. Both these situations caused Macy 's to report negatively to the credit bureau 's dating XX/XX/XXXX and XX/XX/XXXX. I would also like to mention, the payments were minor maybe {$10.00} to {$50.00} total for each. <P/>I have been working diligently to clean up my reports and Macy 's is the last company that is affecting my score negatively. I 'm told this negative reporting will continue for a total of 7 years. Please let me know if this in anyway can be removed as a courtesy for a loyal customer of 20 years. I am currently in good standing with Macy 's. <P/>Thank you in advance.. I appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous personal information reporting on my Credit Report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to CFPB Ref No : XXXX, Capital One sent a request to delete the hard inquiry, dated XX/XX/2020 in which CRAs must take less than 60 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, XXXX still reports falsify information about this hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Product: Debt collection

I have never done business nor signed any agreements with XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/year> I was called at my place of work by someone claiming to be a government officer. The person stated that a coworker had been doing fraud by selling cellphones and such. They instructed me to take all paper money from the register and safe and complete an audit. I was told to load the money onto my personal card so that it can be tracked and then purchase gift cards so that the money is tracked after it left my account. A total of {$1900.00} was loaded onto the gift cards and I was instructed to give the officer the card numbers. I filed a police report the same day with the XXXX XXXX XXXX  and I also have a case number from another case that involved the same unknown individual. I've been battling the fraud department for US Bank ever since. They claim that I am benefiting from the transactions when I have evidence that I don't have the money at all or had it to begin with. I've been on multiple phone calls were I was either disconnected without reason or transferred to XXXX different people each time. They have not provided any evidence showing that I have the money or that I am benefiting from it.
Product: Credit card

I have a credit card with Discover and unfortunately due to some XXXX issues I had XXXX late payment in XXXX of this year and paid the bill late. I requested a XXXX  adjustment so I could maintain a good credit as a consumer who have been with them for years and they denied my request which I find to be unfair as a consumer. Im aware that the creditor is requested to report accurate information however it is at the creditor discretion therefore I do feel as if I should get a goodwill adjustment and have that late payment removed in the best interest of maintaining a positive history with Discover.
Product: Credit card

By telephone on XX/XX/year> I offered XXXX XXXX XXXX XXXX XXXX to charge my CCard {$800.00} for gratuities. 
On XX/XX/year> XXXX XXXX XXXX charged my card {$830.00}, not the {$800.00} I had offered. I have subsequently called XXXX XXXXXXXX XXXX asking that they correct the charge to be the {$800.00} I had offered. They did not do so. I have left a message again for that correction. XXXX XXXX XXXX has not corrected. 
I filed a dispute of the charge with BofA, clarifying the overcharge as above, and that there is no invoice or the like for XXXX XXXX XXXX making the charge. BofA 's response was to deny the dispute citing that I had not provided an invoice, an invoice I had clearly stated does not exist. 
I have tried to clarify this with BofA. I have been transferred from department to department, disconnected on some of the transfers, and essentially BofA will not honor my dispute of XXXX XXXXXXXX XXXX mischarging my account, either by mistake or fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX  stating the paid my car loan off to XXXX XXXX yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXX XXXX XXXX  ice nevee been four payments late I changed my due date
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX  XXXX Balance : {$630.00} XXXX  Inquired on XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In conformity 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. 
Account name : XXXX XXXX XXXX : # XXXX Account name : US dept of education # XXXX Account name : XXXX # XXXX Account name : XXXXDept of ED # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX all of these accounts 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: Debt collection

American Capital Enterprises , Inc. said I owe a debt for my son, As I have no sons, I am confused. I do have XXXX daughters, but XXXX of them were at or over the age of XXXX at the time they are saying the debt occurred, so I would not be responsible for their debts. 

They also said they did not have my address, even though it was part of my last complaint. For the record, my mailing address is : XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

I request # 1 proof that this is my debt with my signature, # 2 proof that this debt was assigned to them and # 3 proof that this debt can legally be assigned and collected by a 3rd party ( again, I need a signed contract showing this ). If this proof can not be provided, they are in violation of the fair credit laws and reporting such a debt on my credit report is illegal. 

Also for the record, I am disputing this debt and all the legal responsibilities and rights that go with this need to be enforced by American Capital Enterprises , Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the accuracy of my credit report and received a letter from TransUnion stating that my information had been verified and that it would send a copy of the corrected report to the business which had received the inaccurate report. However, when I called the toll free number and provided by file number, the employee refused to send the corrected report that I had been promised. This is very irritating.
Product: Credit card

I have 2 phone and 2 XXXX  so I try to use Apple Pay with my 2 phone but when I tried to add my another apple credit card for another phone but they don't let me do it and closed my account. At that time my credit was used about XXXX $ I can't pay right away on XXXX XXXX because I'm on my vacation. 2 days later when I come back to home. when I have cash to deposit to pay my debt but everything was gone. the Apple Card in my apple wallet disappear, so I can't see any transactions and my apple credit card anymore. I was try to call Apple Card service time to time they just tell me wait and just said they can't find my account even with my social number. while when I try to open another Apple Card. it said I already have an exist account. So now that debt keep make my credit score going low. I want to pay off the balance but they don't let me do it. I was open a complaint number XXXX the Apple Card said they called me so I checked and call back to them one more time and they still said the same they can't find my account even with my social number, my name, my birthday, my email address, and my phone number. if they can't verify with all my information why they still rise up my debt to XXXX $ even I just debt XXXX $ and affect to my score with their fault. I tried to upload video I talk to them but the web don't let me too. And Apple Card don't show card number on card just on app. but my app got closed so I can't check.
Product: Debt collection

I had a XXXX charge card that was paid in full in 2019. My bank pulled a credit report and they are not showing it as being paid. It is showing up as a " profit & loss '' which is not correct. The XXXX card was through XXXX XXXX.
Product: Checking or savings account

I expressed to the company that they are continuously violating my right according to FCRA 1681 B.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am writing to complain about this negative items I have on my report. I sent you a letter over 2 months ago. And I thought I was supposed to get a response from you, but I still haven't got any. So I came to this website to seek help. With the hope that this time you would take care of my issues and investigate those negative items that I have in my report. Here I am attaching the same letter that I sent you XXXX months ago. I've been joining online forums about credit repair and consumer rights. That's how I found this website because I was told that this will help me reach your organization.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Hi All Credit Bureau listed me as an authorized user for XXXX XXXX, I never authorize or gave my social security number. I want XXXX XXXX  removed.
Product: Checking or savings account

I submitted a complaint ( # XXXX-XXXX  ) to the CFPB on XX/XX/2020 that Citibank fraudulently tricked me into opening a checking. I fulfilled all the requirements of the promotion in order to receive XXXX Citibank points in my " Thank You '' account with Citi. I submitted 16 pages of documentation of this fraud. I just received a response today from Citibank and from the CFPB. Citibank lied to both me and the CFPB that they had in fact deposited XXXX Thank You Points on XX/XX/2020. Here is the response submitted to the CFPB and to me today. 

" Upon receipt of your concerns we engaged our Senior Management overseeing our promotions. They have confirmed that you were targeted for the promotion code XXXX for XXXX Thank You Points. You did meet the terms and conditions of the promotion. The XXXX Thank You Points were credited to your Thank You Members account number ending XXXX on XX/XX/2020. '' Citibank has not in fact deposited the XXXX Thank You points in my account as of today. Furthermore, Citibank claimed to have even deposited the points 10 days before I even submitted my complaint to the CFPB which is an outright lie. I attached the letter from XX/XX/2020 which Citibank stated I wasn't even eligible for the promotion and therefore was not going to receive the points. 

It is one thing that Citibank apparently hates its customers to defraud them, but it is a whole other problem for Citibank to blatantly lie to the CFPB, its regulator, and lie in it's official response stating the situation is resolved when it is anything but resolved. Astoundingly, Citibank claimed to have resolved the complaint ( on XX/XX/2020 ) before I even filed the complaint on XX/XX/2020. I will likely have to take legal action now as a result of this fraud. 

The CFPB should not allow one of the largest banks in the US to commit fraud against its customers and then blatantly lie to the CFPB that the case is close by claiming they deposited the points I am entitled when they absolutely did not and admitted in writing to the fact they have not.