23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the Consumer Credit Transaction initiated on XX/XX/2020, with the financial institution XXXX executed by way of signing an Agreement ( Document ). As per 15USC 6827 ( 3 ) The term document means any information in any form.

The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, The institution XXXX furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX, & XXXX ). 
According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information : 1. Provided by a consumer to a financial institution 2. Resulting from any transaction with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution Further pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and the institution XXXX has violated the provisions of 15 USC 6802. In case the Company XXXX admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). Under 5 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, the Company XXXX  has not only infringed my right to privacy but also violated multiple Federal Laws.
Product: Credit card

I have a {$1000.00} USD credit card with Milestone.This card is meant to help me rebuild my credit after Ive some hardship. I made a payment on my Milestone credit card on XX/XX/2024. Payment was in the amount of {$990.00} USD to pay the purchases made on the credit card. As of today XX/XX/XXXX my available credit still says {$0.00} USD even after the payment has posted on the credit card account and the my bank has confirmed that the funds were released to them and I can clearly see the amount debited from my bank account. 

I dont have a {$1000.00} to throw around especially during this financial climate. Is this a way of ripping off or punishing people who have had hardship and it affected their credit history? 

Upon calling Milestone they advised me that they can hold the available credit at their soul discretion to ensure good funds. I would like to specify that I had previously made 2 payments on this card and the available credit was updated as soon as the payment posted on the account. I provided proof to Milestone that the funds were debited from my bank account and that the bank confirmed the funds were released to them on XX/XX/2024 and that there was nothing wrong with my funds with this payment just like there was no issues with the previous 2 payments. 
I was advised I would be getting a call back from an account manager which never happened. I had to call back and request to speak to an account manager located in the USA. I was transferred to XXXX who kept insisting that they can hold my funds at their soul discretion to ensure good funds. As I presented my proof and showed him the funds are good I requested the reason why the funds were being held since I complied with their payment conditions and that the payment had good funds. He was unable to let me know or explain why the funds are being held at their soul discretion. I requested to speak to someone higher up than XXXX who could explain the reason why this is happening. I was transferred to XXXX a unit manager who can still not advised the exact reason why my available credit is being held until XX/XX/2024. She mentioned algorithm done by a computer unable to be be overridden.
Product: Debt collection

To Whom It May Concern : I was a customer of XXXX for a year. I paid a year of services in advance. I was not satisfied with the work provided and I had called several times to cancel for a refund. However, each time I was advised the problem will be fixed. After several phone calls which took so much time away from my busy schedule, I told them just to cancel my service once the annual paid was finished. However, after the annual paid was completed, they continued treatments without my consent and charged me for work I did not authorize while I was away from my property for work related matters. I had called several times to get this square away. I spoke to the manager and she said it will be taken care of. However, I recently received a letter from Transworld Systems Inc. and stating I owe {$140.00} that they are collecting on behalf of XXXX. They will report me if I do not pay this amount. 
Here 's the info relating to this matter. 
Transworld Systems Inc collections Agency XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Creditor : XXXX ACCT # XXXX Date XX/XX/2018 amount {$140.00} Had i requested this service, I would be more than happy to pay. However, I did not request the service and previous service provided by this company was very unsatisfied. Please help resolve this matter for I do not want to continue receiving letters and/or phone calls for something I did not sign up for. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX  ARE DISPLAYING THREE CLOSED ACCOUNTS THAT ARE DISPLAYING LATE PAYMENTS THAT OUGHT BE MITIGATED FOR THE XXXX DISASTER AND MY WIFES XXXX AND XXXX  XXXX THAT BEGAN XX/XX/2019 AND LASTED ABOUT A YEAR. 
THE THREE ACCOUNTS ARE XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX. ALL THREE ACCOUNTS HAVE BEEN PAID IN FULL INCLUDING ALL INTEREST AND FEES AND WERE NOT SETTLED OR NEGOTIATED FOR LESS DUE TO HARDSHIP OR NEAR BANKRUPTCY. 
MY WIFE BECAME PYSICALLY AND XXXX XXXX IN XX/XX/2019 AND RECEIVED XXXX FUNDS AT THAT TIME FOR A PORTION OF THE YEAR LONG ILLNESS GOING INTO THE TIME FRAME OF THE COVID19 PANDEMIC. 
Our current household income of XXXX was reduced to my salary of XXXX during the year of XX/XX/2019 for about a year total till my wife was able to work as a XXXX PART TIME. 
Due to the staggering loss of income, my wife 's inability to care for herself or the children, we moved in relatives with us to help and I footed that expense as well. 
We are asking for some mitigation on the unintentional lates caused by XXXX and pandemic and the fact that we made good on our total debts even though it was almost impossible and Bankruptcy looked like the opnly sensible action. 
We have disputed these accounts many times providing information but are limited by space for explanations. 
The lates were caused unintentionally, primarily by acts of XXXXplease mitigate the severe harm taking into consideration my situation and the fact that you were paid in full without compromise.The lates are harming my ability to buy a much needed home for our growing family and the damage they inflict to that loan process I feel is not deserved.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on some accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on my payments for the accounts that I have included screenshots inside this complaint in on dates XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to seek your assistance regarding a promotional offer provided by my credit card issuer. The details of the promotion were as follows : Offer Description : Spend at least {$1000.00} on net purchases by XX/XX/year>, and receive {$200.00} bonus cash rewards. 


I have fulfilled the requirements of this promotion by spending the requisite amount {$1000.00} within the specified timeframe. However, despite meeting the terms, I have not yet received the promised {$200.00} bonus cash rewards. I have attempted to resolve this matter directly with my credit card issuer, but the issue remains unresolved. Additionally, I have spent over two hours of my time trying to address this issue, without any success or clear resolution from the issuer. 

Relevant Details : Credit Card Issuer : BOA Account Number : XXXX XXXX XXXX XXXX
Product: Mortgage

I have reached out to XXXXXXXX XXXX  about Wells Fargo to try to save our home. This is a fraudulent foreclosure. Attorney XXXX XXXX was assigned to this case and was disbarred for fraudulent foreclosures. The note is lost and the assignment of the mortgage has been changes several times. Several complaints has been filed with CFPB about this matter and this debt is part of the XXXX dollar fine CFPB has filed against Wells Fargo for fraudulent foreclosures.This is an opportunity for XXXXXXXX XXXX  to save a home for a XXXX XXXX XXXX and XXXX XXXX
Product: Credit card

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding $ XXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All XXXX banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, samet siper and his accomplice XXXX XXXX I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX, NY XXXX T XXXX M XXXX XXXX XXXX Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a derogatory ( " Bankruptcy '' ) public record on my credit report, and has failed to provide a complete description of all methods used to investigate my dispute as I have requested. ( See Attached Letter ). Experian has not provided proof that they have gone threw the proper and logical steps to validate my dispute.
Product: Credit card or prepaid card

I authorized approximately {$160000.00} in charges using my chase XXXX credit card. The company billed for additional {$34000.00} with neither my permission or authorization at a late date. I reported this fraudulent charge to the Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

A identity theft report was filed with the Federal Trade Commission. The reference number is # XXXX.
Product: Checking or savings account

I tried to log in to my account following the directions stated by the bank. I tried this 6 different times with bank personnel " helping '', to no avail. I reinstalled their app 4 different times at their request, and changed passwords at their request. They send a verification code which I utilized with their interaction. The code they sent was denied each time. It is my firm belief that ; ( 1 ) the bank purposely is denying me access due to theft or fraud; ( 2 ) deliberately attempting to cause harm to me as they've been informed of my age ( XXXX  ) and my medical conditions. They requested my last transaction, which I gave them and then they say it won't work. My identity is verified BEFORE I speak to anyone. This bank violates every rule of customer service. They are refusing to allow me into my account due to harassment or fraud or theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX Mortgage is not reported on my Transunion bureau. I have made multiple phone calls to Both XXXX XXXX and Transunion and filed disputes in an effort to get this corrected. XXXX XXXX states it is a Transunion issue and Transunion states its a XXXX XXXX issue. I am stuck in the middle and can not get resolution. This has been an ongoing battle and I am at a loss on how to correct this. My XXXX XXXX home mortgage is being reported on every other bureau except for Transunion. Transunion refuses to help and sends me back to XXXX XXXX and XXXX XXXX sends me back to transunion. For regular consumers we are at the mercy of big lenders and all the reporting agencies. Who is there to help the consumer? No one wants to step up and actually do anything and this has affected my ability to purchase a car, etc ... ... Any assistance would be greatly appreciated. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, address- XXXX XXXX  XXXX XXXX XXXX Ky XXXX XXXX XXXX. This cfpd complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate false information consists of accounts : XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX- XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appear on my consumer fico credit report. I have attached a list of hard inquires in question as well as a copy of the consumer fico credit report obtained by you which shows the fraudulent items. I do not recognize the inquires, accounts, or collections as reported. The accounts, collections and hard inquires appearing on my consumer report made by you were not opened or made by me. These items are a result of identity theft and fraud. I have attached a copy of FTC identity report criminal complaint number XXXX. As proof from the US federal trade commission that all of the mentioned consumer credit report accounts, hard inquires and collections are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Met this person on XXXX. Got lured into this website site XXXX XXXX XXXX XXXX ) by this person from XXXX XXXX XXXX XXXX XXXX  XXXX ). I Deposited money with international money transfers apps ( XXXX  Western Union, XXXX, XXXXXXXX XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXX : XXXX Please help me, what should I do to get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ).

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXX XXXX from me. 
Credit Report showing the inaccurate information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the new recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies my financial institution and XXXX failed to investigate My claims adequately. They informed me that were recovering. My loss. Funds was impossible. And that track of these transactions is unfeasible.The CFPB findings indicate that XXXX not only has neglected to protect consumers but has also allowed repeat offenders to to exploit the system leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I RECENTHY REVIEWED A COPY OF MI CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. And this is my official notice about the crime. Debt transactions were created in my name without my knowledge or consent. I do not know any information about the suspect. All I know is that these fraudulent transactions were allowed to be reported by XXXX XXXX, Experian, and XXXX, which leads to several violations under the FCRA. Including but not limited to compliance procedures, written consent from me, and a " reasonable '' investigation of information before being reported. I am seeking justice to have the fraudulent account information permanently blocked, removed, and deleted from my credit report and file. Please see attached notice.
Product: Credit reporting

I have been spending years trying to clear up identity theft and experian will not send proof nor the collection company of a judgment I am unaware of and XXXX collection accounts they simply say " account meets federal guidelines '' Experian is violating the FCRA for not disclosing reasons why they will not remove. Accounts that have been paid by the state throught the Victums fund for example.