23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Incorrect promo bonus offer received. Received {$400.00} instead of {$800.00} qualified for as verified through direct communication with the bank. 

XX/XX/XXXXXXXX  : opened account in branch with promotion code XXXX XX/XX/XXXX : funded account with XXXX XXXX  messaged with XXXX XXXX, business customer service rep who confirmed terms of bonus as seen in screenshot. bonus terms messaged to me via their secure message : {$800.00} cash bonus with {$25000.00} deposit and maintain at least {$5000.00} collected daily balance for the first 3 full statement cycles XX/XX/XXXX : completed 20 transactions with debit card XXXX, received statements as follows : average ledger balance for first statement cycle XXXX - XXXX : {$9900.00} average ledger balance for first statement cycle XXXX - XXXX : {$5000.00} average ledger balance for first statement cycle XXXX - XXXX : {$5000.00} XX/XX/XXXX : {$400.00} received XXXX : messaged with business customer service about incorrect promo amount XX/XX/XXXX : called account manager, XXXX XXXX at XXXX who referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke by phone to XXXX  regarding ref XXXX XXXX XXXX  XXXX spoke with rep from XXXX XXXX who agreed that I did not get the right amount as promised to me but said nothing could be done
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX for reporting inaccurate information on my credit report. Despite the account being fully paid with a {$0.00} balance, they continue to report incorrect payment history and the date last active. Additionally, XXXX XXXX XXXX business registration in Texas is forfeited, making their reporting unauthorized under state law. 

Furthermore, XXXX XXXX XXXX has failed to adhere to Uniform Commercial Code ( UCC ) regulations regarding the repossession of the vehicle associated with this account, further undermining the legitimacy of the reported information. These actions violate 15 U.S. Code 1681s-2 of the FCRA. 

I request the immediate removal of this account from my credit report. Failure to comply will result in legal action for willful and negligent violations under 15 U.S. Code 1681n and 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I had a Credit card from Discover in XXXX, but I lost the card in the year of XXXX. So I called Discover to close my account. I have paid all my balances at that time. However, I kept receiving emails from them, saying that I have payment due ( ~ {$63.00} ) to them. 
Finally in XXXX, when I returned US, I called them back, ask them why I still got emails from you and have payment due even though I have already closed account many years ago. They explained that it was because it was the cash reward associated with my card, it is the money they owed to me. So they asked my address to send the check to me. However, the check was never reached to me. Then the worst thing the Discover did was to charge the check they sent to me on my closed account. Because they send it twice, so they acclaim that I own them ~ {$130.00}. 
Ever since, they kept sending me emails saying that I own them XXXX usd, and the amount is kept growing. I called them many times from XXXX, as I left US in the summer of XXXX. With hours of long international calls, they finally admit that it was their mistake in the system, they should not have charged me for that. However, even now I still need to receive the same email for the payment due acclaim but with different amount, this time is {$84.00} ... I have no idea how did they make such random numbers and why they could not respect their customer and give them some peace even though they have closed the account many years ago.
Product: Debt collection

The payment was made thought a debt collector on behalf of first data global leasing, since year XX/XX/XXXX for early termination fee {$290.00}. Matters face when they agent walking to my restaurant was told me no contract, no early termination fee, so we can consider is fraud, is scam, they have advertising in writing of XXXX XX/XX/XXXX I review my credit report, they inaccurate credit report bring down my credit score from XXXX to XXXX.and then I go online research I no the only one get hurt by first data global leasing company.my business closed, the processing machine being return. few days after I made phone call everything was fine,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I requested a hardship withdrawal through my job from my 401k. Instead of sending it electronically as requested they sent a check. I deposited the check. The next day it said a 6 day business hold would be on the check. I need the funds to pay my bills to qualify for a mortgage. I called the bank and asked if there was any way to expedite the request. I got a call from a unknown number asking if I had made a check deposit that day, it was the day prior that I actually did the deposit so I was suspicious. I told the representative I'm not comfortable so I'm going to call the number I know to be td bank. She canceled my online access and declined the check. I called td bank again and explained the situation and they told me the check would be resubmitted and access to the online account would be restored that day, yesterday. Today I wake up and I still can't log in. I called and general customer service connects me to fraud after holding 40 mins on hold it says sorry call back later. They did give me the direct number so I called fraud directly. They claim in not eligible for phone text verification. They're asking verification questions related to account activity which they've blocked me from seeing and saying they can not send a verification code to my phone. My only option is to go to a branch which I can't because they'll be closed when I get off of work. This is totally unacceptable. They guidance given is if your unsure who you're talking to is to hang up and call the business, I've done this and they're treating me like I'm a criminal or scammer.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

I have disputed this debt with the credit reporting agencies and they continue to validate it without providing the information I have requested. I have also asked them to stop calling me and my family.
Product: Debt collection

I am trying to settle with my creditors instead of filing for bankruptcy. However, I am currently getting letters from collection agencies that claim they have purchased my debts. It is my understanding that if a debt was acquired I am entitled to obtain a letter of purchase from the debt buyer and a letter of sale from the original creditor. However, I must also obtain the transfer papers in true copy form to validate the sale of debt. Even though third-party ownership voids my rights under the Fair Debt Collection Practices Act since the Henson v. Santander Consumer Financial USA decision from the U.S. Supreme Court XX/XX/2017, I believe that until true valuation is proved that my request are reasonable. In addition, on all debts still not transferred by a debt buyer, I am interested in a reasonable settlement offer to see if my overall financial situation can avoid a chapter XXXX bankruptcy filing. Accordingly, I request an open dialogue to resolve all credit issues without a federal court dismissing my obligations. I request a reasonable settlement on all debts within 10-business days. 

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

Credit agencies are reporting incorrect scores and inaccurate information. I paid a loan OFF and paid my credit card balances down. My credit utilization should be less then what it was. They need to update scores and reports. Its impossible for a score to drop XXXX points when I paid a loan OFF.
Product: Credit reporting

it sais i have a drivin g on suspended license ticket within 5 years of being suspended for a dui ive never hade a dui in my life nor been convicted of one ive never been pulled over for drinking ever
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company.

The line of credit I have with your company, which is characterized as utilization on my consumer reports.

YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account : SYNCB/SAMSXXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person ( YOU ) ( SYNCB/SAMSXXXX ) Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ SYNCB/SAMSXXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s [ SYNCB/SAMSXXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

It has come to my attention that several accounts have been opened without my permission, and I have unfortunately fallen victim to fraudulent activity. 

In light of these unauthorized account openings, I have taken the necessary steps to report this incident to the authorities by filing a police report and submitting a fraud claim report to the Federal Commission. However, I am reaching out to request your urgent assistance in conducting a thorough investigation into these fraudulent accounts and taking prompt action to delete them from the system. 

The unauthorized opening of these accounts has not only caused me undue stress and concern but has also put my financial security at risk. As such, I urge you to prioritize this matter and make every effort to rectify the situation at the earliest convenience. 

I kindly request that you provide me with regular updates on the progress of the investigation and the status of the accounts in question. Additionally, I would appreciate it if you could provide me with information on any additional steps I should take to safeguard my personal information and prevent any further unauthorized access. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take the necessary actions to resolve it effectively. Thank you in advance for your prompt attention to this issue.
Product: Checking or savings account

On XX/XX/2022, my student loan checking account was hacked, and multiple transactions were placed with a foreign code reference name XXXX. One of the transactions was a XXXX transfer of {$2400.00}. I called citibank immediately once I was notified of " odd charges '' that these were not mine, and I was told they would reverse the funds back into my account and " not to worry as it was obvious this was a chain of fradulent charges. '' While the other 3 transactions were refunded, this particular, large one was not refunded. The service rep that took my information stated in the report for this particular transaction that I " okay 'd '' the transfer which is false. I appealed these three separate times and was denied even after the branch manager negated that statement. I have filed multiple complaints, which have all gone unaddressed.
Product: Debt collection

I rented an apartment in XXXXXXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. At the end of the lease I was charged {$3400.00} for early lease termination and a remaining {$10.00} for water/sewer charge. The total was {$3400.00} as a remaining balance and that total sum was paid by check # XXXX which posted on XX/XX/XXXX. It was confirmed by the apartment management that the account was settled and closed in XX/XX/XXXX. 
National Credit Systems , INC . 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX has persisted in attempting to collect a debt that was settled. I received constant collection calls and letters despite all indications that the apartment management has listed the account as paid and did not turn this account over to collections. National Credit Systems , INC requires all correspondence be sent via postal mail, but will not acknowledge any information I send them. They have reported to all three credit agencies that I have a delinquent debt for the months of XXXX and XXXX which has dropped my credit rating nearly XXXX points. Despite contact from both the apartment management and myself they will not remove this collection debt unless I pay them and additional {$3400.00}. I have attached a copy of the posted check, the account ledger from the apartment complex, a screenshot of an e-mail sent from the apartment manager to the credit agency stating they were informed in XXXX that the account was settled and should not be in collections, a copy of a letter received from National Credit Systems dated XX/XX/XXXX stating the debt still stands, and a screenshot of an XXXX credit report showing the false debt.
Product: Checking or savings account

On XX/XX/XXXX I received an email to confirm my email for a Bank of America account. I did not touch the email and then received many more about the account being opened. The number listed in the email is also different from that listed on their website. So at this time I feel uncomfortable taking further action in any way due to their website and these emails all having different information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash App ( 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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure  XXXX  pays for their lies all the time.
Product: Money transfer, virtual currency, or money service

I requested that Robinhood disburse my funds thats in my account after they closed my account for unknown reasons. It has been a while and they wont release my funds nor respond to my request. They closed my account for reasons that wasnt accurate. I tried to resolve the issue with them but still no luck. I have {$600.00} in this account. I would like my money mailed in the form of a check.
Product: Credit reporting or other personal consumer reports

The information on all 3 credit bureaus are different. There are inaccuracies on the XXXX XXXX. By law it should be removed from my credit report. Here are the inaccuracies. 
1. High Balance 2. Last Verified 3. Date of last Activity 4. Date Reported 5. Date Opened 6. Closed Date 7. Account Rating 8. Creditor Type 9. Payment Status 10. Last Payment 11. Days Late
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

this is my 2nd set of letters that i had sent to MERCHANT ADJUSTMENT SERVICE, INC concerning alleged debts of ( XXXX and XXXX ) .I sent the 1st set of letters off on XX/XX/2020, and the last on XXXX.neither letters that i have sent no one has responded and this a violation of the law.I am attaching copies of the letters below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.