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

On XX/XX/XXXX, I noticed my TransUnion ( TU ) credit score had dropped XXXX points. The reason was, " Account Removed. XXXX XXXX  account removed from your file. Between XXXX XXXX, XXXX and XX/XX/XXXX, your credit card account with XXXX XXXX was removed from your credit report. Closed accounts are usually removed from your report after XXXX years. Once they're removed, the account details will no longer affect your credit score. '' I have never had a XXXX XXXX. I called the number associated with XXXX XXXX  in XXXX, UT. They searched and said they could find nothing on me. I called TU and XXXX weeks later after countless hours on the phone, sitting on hold for hours, being hung up on or disconnected, RUDE employees, dealing with reps who can barely speak XXXX, reps you can't hear due to barking dogs and loud TVs, reps who put you back in the que rather than transfer you, hearing " your call is very important to us, due to unusually high call volume ... '' ad nauseam, much frustration and many tears shed ... I could go on and on... I am requesting your assistance. These people are impossible/difficult to deal with. They are flippant, argumentative, and condescending. On XXXX XXXX  in the Special Handling Dept investigated and said " The XXXX account does not belong to you & was already removed in XXXX It's a system error on TU 's side. '' He submitted a repair ticket to the maintenance team and said they had XXXX business days to get it corrected. The acct was opened on XX/XX/XXXX when I was in the hospital from XXXX thru XXXX. On XX/XX/XXXX, I received a copy of my credit report from TU. I know XXXX is not on my report. This is my entire point. I have spent HOURS trying to get this resolved & no one will help me. I was simply told " maintenance was completed on XX/XX/XXXX '' but they can not add the XXXX points back because it was probably XXXX of the XXXX factors that determine credit scores that lowered my score. XXXX only reports to TU ; none of my other scores were lowered. My credit score with XXXX is XXXX and my score with XXXX is XXXX ; TU dropped me from XXXX to XXXX. No matter how hard I tried to get this resolved, employees were dismissive and absolutely do not care. I think by seeing my credit scores, you will see I am very conscientious re : my finances and XXXXredit score.
Product: Student loan

I was going to be in the Pharmacy program so I applied for a private loan while attending XXXX XXXX University XXXX a private school ) in XXXX, FL. I came under hardship with my family, I had to leave the school and attend something more affordable, a state school. That one year at XXXX has caused me my largest debt of over XXXX dollars. I was paying on my school loan faithfully for many years, but the balance has not gone down because the interest rate is extremely high and I feel like I am suffocating. My family hardship is still continuing because of my mother 's declining health. Due to this I have to live with her and contribute the majority of my income to the household. I had to stop paying on the student loan because I just could n't afford it. I had called many times prior to ask if there was a way to decrease the interest rate or get some type of forgiveness because I work for XXXX, I was n't sure if there were any programs out there for me. I was rejected multiple times.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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: Mortgage

Im a disabled home owner and Ive been affected by XXXX. Ive had a forbearance in place, after the forbearance ended I applied for a loan modification which has been denied. Im asking for help from my XXXX because I have limited income but they rejected my modification because I have limited income. I feel as though Im being discriminated against because I am XXXX. The only option thats being offered to me is to sell my home. I dont want to sell my home and I should be pushed to sell because of my XXXX income.
Product: Debt collection

I had a lease with XXXX XXXX XXXX in XXXX, Mississippi. I left the apartment due to the amount of mold that was present. I reported the problem to management many times but never received a response as to when it would be repaired. The ceiling fell completely down in one bathroom. Due to health issues I had to leave the apartment quickly and left some items behind. The debt collector and the owner of the apartment claims that I owe XXXX dollars to remove the items left in the apartment. The owner and collector will not show an itemization of where the figure comes from despite speaking with them many times. The apartment was unsafe to be inhabited and I left with a month left in the lease which would be a debt of {$650.00}. They simply will not demonstrate where the other bill of XXXX comes from. The collection agency is named " The Collection Bureau of Fort Walton ''. The original creditor is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraud account XXXX my information was stolen in the equifax data breach and this account was open with stolen information, Current shows as a charged off account with a XXXX balance seem the debt was sold to another debt collector by the name of XXXX XXXX XXXX and a collections of XXXX is listed my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a manager or supervisor in XXXX  to dispute unauthorized or fraudulent inquiries in my credit report and I was informed that they can't dispute credit inquiries, I explained them the following An unauthorized or inaccurate hard inquiry. XXXX  as consumer credit bureaus must investigate dispute requests unless they determine your dispute is frivolous which is not the case. Also I asked XXXX  to allow me to block and Unblock my credit report from my phone app while I am not using my credit and they letted me know that since I been a victim of fraud they can't allow me to use the block option. I think this is complete unfair also they don't allow me to dispute information online from XXXX  website. 

I was told by a XXXX manager that they dont care about CFPB complaint so they respond with that my complaint is a potential fraud and the case gets close and I tried anyway but that that is what they did, they responded as potential fraud and case got closed. 

I dont think this is fair, XXXX  is violating the Fair Credit Reporting Act law and CFPB dont do something about that. 
XXXX  have several incorrect information in my credit report and they dont care about disputes or anything like that they dont even responde to my dispute with the supporting information requested by me because they dont have information requested but they dont remove the reported information form my credit report either.
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 168b permissible purposes of consumer reports. 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. 

These inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Checking or savings account

Opened Citibank priority account on XX/XX/19 with a promotion to receive XXXX XXXX XXXX miles upon completing {$750.00} debit card purchase and 1, 2 or more bill payments. I completed the above requirements and it was confirmed by the bank chat agents twice in XXXX and XX/XX/2019. 

After the waiting period on XXXX, Citibank informed that i have not met the terms for this promotion explaining that the term was to make bill payments for 2 consecutive months and confirmed that they will not honor the promotion. When I tried to discuss this with the frontline bank supervisor Mr. XXXX, he was stating that the chat agents could have made mistakes but they are not obligated to abide by what was confirmed by 2 different chat agents. 

Another statement from the supervisor which intrigued me was that the chat agents are responsible for filtering out requests from customers but bank is not obliged to own their confirmation by agents is worrying. So I had to request closure of the account today. 

I am attaching the confirmation by 2 agents a month apart and denial letter from the bank. 

Kindly help in resolving this issue.
Product: Credit reporting or other personal consumer reports

After filing the first claim against Transunion XXXX and XXXX retaliation began against me with my credit profile. XXXX pretty much complied with the laws and made necessary corrections. XXXX took me through a process of putting fraud alerts and remark codes on my accounts and taking credit score points away from my score for incorrect reports of my accounts. Transunion on the other hand has not only placed a fraud alert on my profile ( claiming that I typed my social security number in wrong causing the permit lock for my protection ) but they placed what they call a permit lock on my profile so anytime I have the fraud alert removed it will go right back on the account. I am sent to go around in circles from department to department having fraud alerts removed, having my locked online account unlocked in order to login, sending in documentation to the fulfillment department to be verified, request blocks to be removed from the consumers occupational department, requesting blocks removed from the escalates department and the fulfillment excess department, then there is the file maintenance depart. They all blame each other for these locks and once I continued to reach out to them all day on a daily base I then get a notification that the score I did have was decreased by the entire score of XXXX because of an incorrect reporting of my credit card. I don't know when consumers began to have the time to stay on the phone arguing with the credit bureaus or why would the credit bureaus would want to hinder people from having a fair score to apply for credit but it is unethical and immoral. I fabricate stories of getting updated information from the creditors when it is not so at all. How can I have a new account added to my profile if the account has been there for over two years. This game that the credits are playing seem to be targeted towards the new programs set in place by the government to help first time home owners purchase homes because one thing they all will ask you when you are requesting them to correct your profile is if you are trying to get a mortgage loan. These programs are to help those that are low incomed to have the opportunity to purchase and become self-sufficient but everytime these programs begin to thrive proving they can work some organization does something to cause an attempt to failure on these programs.
Product: Checking or savings account

A withdrawal was made from my account on XX/XX/XXXX in the amount of {$3000.00}. The transaction was listed as : XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX XXXX XXXX XXXX Merchant category : Fuel Dealers- Fuel This was similar to a transaction from the previous day from : XXXX XXXX : XXXX ID : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX  for {$340.00} for fuel purchases from the prior week. This is a fuel merchant account for motor carrier operations and a legitimate charge. 

My credit limit with the merchant is $ XXXX. 

When I saw the charge days later I immediately called the merchant and they said they did not make the withdrawal. I called Bank of America to notify them this charge was unauthorized and to file a claim. 

Bank of America placed a temporary credit for {$3000.00} to my account on XX/XX/XXXX and reversed it on XX/XX/XXXX. During that time I never received any notifications that any investigation had taken place or that any decision had been made. 
I called back after XX/XX/XXXX when the reversal was made and the rep I spoke with said that if I faxed a statement then the investigation would reopen and I would be contacted. I have never been contacted and my money has still not been returned. As a result, numerous fees have been assessed due to insufficient funds as a result of this initial theft of money. I sent statements that I have from the merchant account and no response. 
Like I said previously, I only had $ XXXX credit with the merchant so there is no way a {$3000.00} charge could be legitimate. I should have received a fraud alert, and never did. I received nothing of value for that {$3000.00} purchase so where did my money go. Isn't my money insured against fraud? I want my money and that is all. I have no trust for Bank of America. I have been a minority small business customer for over 15 years and this is how I am treated. I will not stop until the whole world knows how Bank of America treats their small business customers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

1 ) Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not made by me. 

2 ) Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX This inquiry was not made by me. 

3 ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not made by me. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

There are inaccuracies in my credit report, such as incorrect addresses. It's essential to swiftly correct this fraudulent information. Having experienced such issues before, I am diligently working to ensure the accuracy of my reported data. Despite my persistent efforts, I have not received a satisfactory response from the responsible organizations responsible for providing accurate and lawful information. Consequently, I am reaching out for assistance from a higher authority. Your prompt attention to this matter is highly appreciated. ''
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, XXXX XXXX 1984, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian 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, and false information consists of a personal credit card account opened at XXXX XXXX ACCT # XXXX opened on XXXX. XXXX XXXX act # XXXX opened XXXX. XXXX XXXX  XXXX # XXXX opened on XXXXXXXX XXXX XXXX XXXX # XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX opened XXXX. 
XXXX XXXX dated XXXX XXXX payment should be deleted. 
XXXX XXXX multiple incosistancies between XXXX, Experian and XXXX and do no recognize this account nor given any written consent to furnish my information. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian 's fraud department on XX/XX/XXXX and spoke with a representative. I requested Experian delete an unauthorized inquiry from XXXX  XXXX  on XX/XX/XXXX as it is against the Fair Credit Reporting Act to report unverifiable and unauthorized information I informed the experian fraud representative that I have already attempted to dispute this through XXXX XXXX. 
The employee from Experian said she can not delete this information and that XXXX XXXX can run my credit without my consent and that the FCRA does not apply to them. Running my SSN without my consent is identity theft, illegal, and fraud. I want this inquiry deleted from my report or I will contact the attorney general and press monetary charges for violations.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( XXXX, XXXX XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXXXXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

My loans are so out of wack. I was XXXX and I called and informed them and I feel they should correspond correctly and handle each case. It 's been so frustrating. Please help I totally do n't understand I 'm XXXX.