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

OnXX/XX/XXXX, I and XXXX, where I am a XXXX XXXX XXXX, signed an agreement that I would receive 4 credits in XXXX XXXX for my XXXX. This was based on meetings at the accounting department, conference calls and emails between The Department Chair, Advisor and Registrar.
The 4 credits were crossed out and reduced to 3. I received some explanation that did n't make sense, but did not make a fuss. OnXX/XX/XXXX I called the school and was told that I have to pay in order to view my unofficial transcripts. I immediately allowed the system to make payment. However, I saw that there was no title to the course, just a generic course type XXXX XXXX.
I contacted the registrar, bursar, bank, Chair and Advisor. How could this be. Our signed agreement specifically states the course title and amount of credits. Unfortunately, the only way for me to see that was AFTER I made payment. Their response was unsatisfactory. I sent written notification to the bursar tgat they are unauthorized to makethe payment.
I contacted the bank. XXXX refused to help or stop payment. I asked for a supervisor. XXXX at extension XXXX left me on hold until the call timed out. I sent written notification to the bank.
I do not need the credits to graduate, but wanted the specific tax course notation on my transcrips.
I will be contacting the Attorney General 's office and am waiting for XXXX XXXX XXXX to contact me with the address to send a formal complaint.
Meanwhile, as HSBC was unresponsive, I ask the CFPB to ensure that this unauthorized charge does not go thru. I did not get what I was told that I would get. I had to pay to find that out. The bank refused to stop payment despite my call and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with experian and I have attached the documents that they asked me to send in. I have also sent them a certified copy by mail. I need to resolve this issue as soon as possible, as this is really recking my life. I am taking the ftc fraud steps to prevent it in the future and have also invested into a credit monitoring to stay on top of my credit daily.
Product: Credit reporting or other personal consumer reports

According to the regulations outlined in 15 US Code 1681i ( 6 ) ( b ) ( iii ), consumer reporting agencies, such as XXXX and Transunion, are obligated to provide a written explanation to consumers upon request, detailing the methods used to verify the accuracy and completeness of their information. This includes disclosing the names and addresses of any sources contacted during the verification process, along with their contact information. Despite my request made over 30 days ago for documentation to validate a specific account, I have yet to receive any such documentation. Without legitimate proof supporting the inclusion of this account in my credit report, its validity is questionable.
Product: Bank account or service

I send money to my personal bank of communication account, XXXX, and you send a email shows that was successful, and I will got it at XX/XX/XXXX, but until now I did n't got it.and I also checked my citiprepaid account, this money also did n't return back, so where is the money?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2023. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is in violation of multiple laws set forth by Congress regarding the following accounts shown below. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( financial institutions ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( 1 ) ( A ) states that A person ( financial institutions ) shall not furnish any information relating to a consumer ( Me ) to any consumer reporting agency ( TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. Financial Institutions can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The IRS Clearly says a Cancelled debt or charge off is income. The reporting of these accounts as debt is inaccurate. I never received a 1099-C from these Financial institutions for the cancelled debt of these accounts in order to file as ordinary income. Where is my 1099-C as required by the IRS. This is unsatisfactory. These financial institutions terms and conditions, they agreed not to share my information with non-affiliates. Pursuant to 15 USC 1681b TransUnion need my written consent to furnish any information, which I never give them authorization to do so. Pursuant to federal law this is considered identity theft. Pursuant to 15 U.S. Code 1681 ( a ) Accuracy and Fairness of credit reporting. These pictures show the inaccurate and unfair credit reporting methods which TransUnion is using to undermine my general reputation as a consumer. Pursuant to 15 U.S. Code 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation. Below you can see proof of my complaint. Please promptly delete these accounts. XXXX XXXX : Account XXXX XXXX  : Account XXXX XXXX : Account XXXX
Product: Bank account or service

INCORRECTLY CONTRIBUTED FALSE & FRAUDELENT INFORMATION BANK OF AMERICA NA BANK OF AMERICA incorrectly closed my checking account under inaccurate & false pretenses despite reporting unauthorized transactions being made on my account to a representative. As a result Bank Of America closed my account for cause instead of properly handling my fraud claim. Furthermore, future attempts to follow up on such issue has been mediocre and disregarded by the bank. Not only did they disregard or not properly handle my fraud claim, they proceeded to allow the unauthorized account access & transactions to be posted to my account. On top of that, Bank of America did not allow me to visit a branch or speak to representative in person without assessing a fee for such a service, which is extremely unfair. Despite the unauthorized use of my account and being victimized by fraud, bank of America proceeded to close my account right away with a loss which I ended up paying for being deceived by a representative that it would correct the issue. This was not the case, and bank of America and its employees refused to disclose to me information about my account, including the reason for closure & failed to investigate the situation properly. I did not find out the reason until I was researching my consumer reports. This type of behavior is unfair, deceptive and predatory. It is my belief that bank of America acted in an unlawful way when closing my account in reference to UDAAP & also discriminated against me for my gender, age, race and income which has injured me financially and economically.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I purchased XXXX airline tickets for XXXX each on my XXXX XXXX XXXX XXXX. 

My credit score was XXXX at that time Credit limit on that card XXXX XXXX open accounts and a total of XXXX available credit total through all accounts. 

On XX/XX/XXXX XXXX reported my balance as XXXX something and my credit score dropped down to XXXX. 

Experian and XXXX failed to take into account my total credit worthiness and told me my utilization rate was at 55 % and is why my score was affected. XXXX XXXX, experien and XXXX told me there was nothing they could do. 

The account is paid in full already but Im not sure why they feel such a large drop after XXXX hours of a purchase with an impressive history as mine was appropriate. All I did was buy XXXX airline tickets for my family and my score drops to XXXX from XXXX?
Product: Debt collection

In XXXX XXXX XXXX XXXX Charged me {$180.00} after they cancelled my insurance once I got in an accident and the person hit me. Not only did they charge me they didnt cover the cost of my vehicle leaving me to pay for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them  in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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: Money transfer, virtual currency, or money service

Ive had Cashapp for years and this past month for no reason after one transaction transfer from family to account my account was locked banned and I couldnt get in it or ask why it was being closed. Using the account for business while using the account I called the support used the chatbot and emailed them. Back in XXXX  my cashapp account got hacked and a few transactions were made out of my bank account and I couldnt even stop it. All they did was send another card and change my password. The sad part is they told me when I called to empty all my trade and XXXX account of what I have left cause I wont have access to the account anymore.
Product: Debt collection

I got an alert from XXXX saying there is a new collection on my credit report. This debt was reported to my credit before the company spoke to me and they did not send a debt validation notice. From my limited understanding, this is a violation.
Product: Checking or savings account

On XX/XX/XXXX, around XXXX XXXX  an unauthorized transaction of {$1300.00} was transferred from my savings to checking. then a transfer of {$410.00} was transferred from my checking to credit account along with the {$1300.00}. at XXXX XXXX a total of {$1700.00} was withdrawn from my account without my consent or knowledge. A couple of weeks before my bank posted on XXXX that if someone comments under the post using the provided hashtag, they will be entered in a raffle to win money. On XX/XX/XXXX, I received a direct message from an account that I thought was chime bank ( but ended up to be a replica and scam ). I clocked on the link that was provided through a tab and it brought me to a page that looks exactly like the the Chime bank log in. I entered in the requested information believing that I was logging into my Chime account. It asked me for my email, password and last four digits of my social. Later that day, someone went into my account and withdrew the money. I called my bank instantly as soon as I got the notification that they did. I called them on XX/XX/2022 to report this transaction. the people gained access and changed all my information and logged me out of my account. I was unable to log back in due to them changing the information on me. I spoke to many members from guest services and I also spoke to a Supervisor who told me on the phone told me the transaction was flagged and it was a pending transaction ( on XX/XX/XXXX ). Three days later after they said that the transaction went through. 5 days later, when I am finally transferred and able to speak to a person from the dispute department they tell me the transaction went through. They filed my dispute 5 days after the transaction occurred. I Called the bank every day until they made the decision on the account and they are stating that the Transaction was not an error. I was told my transaction was flagged to being told by the dispute department that the transaction was not an error when I called the day it happened and told them I was logged out of my account by someone else and they took my funds. On the bank statement it can show where my last transaction occurred and where the person took my money out. This bank is not secured at all! they should not be aloud to activate as a bank because they do not have security at all!
Product: Prepaid card

Bought XXXX XXXX XXXX cards ( XXXX transactions back to back {$1000.00} each for XXXX {$500.00} cards ) at a XXXX on XXXX. Used XXXX. Have done this many times in the past. Charge posted to XXXX. XXXX of XXXX cards failed to activate. XXXX card, although not used as of this time, appears active with access to the full {$500.00}. Called XXXX/Incomm cust service immediately, within one hour of purchase -- usually activated within ten minutes. 

After a very long hold to reach a human, got the run-around saying system error, problem will be fixed in 2 hours, we can not even access your card information. 

It has been three business days and again, only XXXX card shows a balance, the other XXXX are not recognized by their system. 

Their incident process is intolerable. 
I have notified the General Manager at the XXXX store before doing an XXXX charge back so she is aware this is not any attempt on my part at fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old, closed auto account. to which I will attached the complete reported history from the creditor to XXXX and Equifax. It has been long past 7 years from the first reported delinquency and I have requested multiple times that the account be deleted from my credit history. each bureau keeps reporting less and less history of the account, so as to ignore the first few years of the payment history. I am asking they correctly reflect the complete payment history, then would subsequently show well past 7 years have passed since the first delinquency and then the account will be deleted. 

thank you
Product: Credit card or prepaid card

Citibank charges high rates, lower credit limit and frustrates me and using my credit report to close my card that Ive always paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : Transunion, XXXX  and XXXX. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.
Product: Debt collection

US BANK has been reporting an account against my SSN # for almost 7 years. This account does not belong to me. For almost 7 years i have been disputing this account, i have never applied, used or had knowledge of this account. I have a common name and am a XXXX. I have asked for proof showing this account belonged to me. i have received nothing. 7 years i have had to deal with this account. Please have US Bank review their records and provide proof this account belonged to me or remove it from all 3 credit reporting agencies. 

Today I pulled my report and now the amounts are all different. 
The original limit is reported as XXXX, the amount written off was {$980.00} and as of today shows past due {$1300.00}. Also shows status last updated on XX/XX/XXXX and balance updated XXXX. Clearly there is an error I asked you to close this account in XXXX because it was not mine and I had no idea who this account belonged to. The credit card company continued to keep this file open because i did not have the password.
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 XXXXDebt 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am extremely upset with XXXX, Equifax and XXXX. I filed a police report on XX/XX/XXXX. I have sent in certified mail and fax. And XXXXXXXX, Equifax and XXXX continue to report fraudulent accounts and inquires to my report. I decided to get a lawyer and pursue legal actions against all 3 credit bureaus. this has to stop! My lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX PA XXXX ) He notice several instances where XXXX, Equifax and XXXX are in non-compliance with the FCRA. 

The fraudulent accounts and inquiries are as followed : XXXX  XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX inquiries XXXX  XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX  XXXX XXXX Customer Service Manager at XXXX XXXX   XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud Investigator XXXX XXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXX President US Commercial Services and Chief Client Officer Equifax LLC XXXX XXXX XXXX President Equifax LLC XXXX XXXX XXXX Equifax LLC Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer Equifax Corp XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax llc XXXX XXXX XXXX XXXX EVP Compliance and Litigation XXXX  XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX  XXXX XXXX XXXX XXXX Director-XXXX Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 08 XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Company Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My information on my credit report. This began XXXX of XXXX to current.There is four aliases and a address i disputed and its back on my credit report:XXXX XXXXXXXX XXXX XXXX, ca. As well as inquires, making fraudulent consumer complaints. I have been disputing all this stuff since XXXX of XXXX under my experian, XXXX, and XXXX. There was a business credit alert on my experian account in XXXX. There are several fraudulent business credit lines under two of my business XXXX and XXXX XXXX 
My name is XXXX XXXX XXXX. My order of protection XXXX including my original documents of release from XXXX  as well as a copy of case docket were exposed on dark web and public. I picked up a copy of my case docket in XXXX.