23daVinci/CFPB_Complaints huggingface dataset:
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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX All 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the repeated failures to correct the late-open accounts associated. Despite my previous four attempts to resolve this issue, the problem remains unresolved, causing me significant inconvenience and distress. Each time I have contacted your support team, I have been assured that the matter would be resolved promptly. However, these assurances have not been met, and the issue persists. The continuous delays and lack of resolution are unacceptable. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to address the issue and a plan to prevent such occurrences in the future. I hope to see this matter resolved without further delay. Please help me correct the following accounts : XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$220.00}.
Product: Checking or savings account

Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their website campaign. Despite meeting all the requirements specified in the promotional campaign, I have not received the XXXX XXXX as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Page 1-2 in the pdf contains screenshots of the campaign in XX/XX/XXXX from U.S. Bank XXXX which clearly outlines the terms and conditions of the promotion. Page XXXX includes my account balance detail confirming that met the requirement for promotional bonus. 

Moreover, page 3 displays my U.S. Bank transactions, demonstrating that I deposited an initial amount of {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In total 4 direct deposit of {$10000.00} within 90 days, thereby satisfying all the eligibility criteria stated in the promotional offer of " deposit {$10000.00} or more within 90 days ''. Needless to say I already enrolled in both online mobile banking at that time. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I first reached out in XX/XX/XXXXXXXX  and the customer representative confirmed my completeness of the promo requirement, but asked me to wait until the 90 days period to end to receive the bonus. After 90 days, I called again and was told there is another 60 days validation period. Lastly, I called the third time after these 60 days, and was told I did not met the requirements, which is obviously a conflict of what I have been told at the beginning. 

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$600.00}. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX  and Equifax that I an a victim of identity theft and they said that they verified a fraudulent account. How can a fraudulent activity be verified as not fraudulent, please again see attached police report and ftc report along with my identification
Product: Credit reporting or other personal consumer reports

I requested an investigation and the removal of these accounts, but no action has been taken, nor has any investigation been conducted. Even after I informed you that these accounts were fraudulently obtained, they continue to be reported. You have had sufficient time to resolve this matter, yet you have not done so. I insist that these accounts be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I recently switched banks, but was unable to swap all my payments over in time. 
When I realized I was late, I scheduled a new payment to replace the one missed. However apparently their app set it for a further date in the future because I set it up as an autopay rather than a one time so I didn't miss future payments. 

When I realized this, I went back and paid the past due account within the grace period for reporting, but apparently not for fees, which was not clarified or charged when I paid my balance for some reason. 
Sometime after, this company charged me a late fee, then reported that late fee as more than 30 days late owed balance ( they set the due date of the fee back to the original missed payment date, not when the fee was charged to ding my credit ). 

Not only is their communication around the fees abusive, their app and lack of communication and notifications around a missing fee, does not constitute a missed " balance '' to be reported against credit reporting.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX there were several fraudulent charges made on my debit card. I reported the fraudulent charges to the bank and the merchants. After investigating for 10 days, the bank refused to refund the money. I appealed to the bank, providing a police report and again asking them to credit the funds back to my account. This is still pending. In the meantime, the bank informed me that they are closing my account effective XX/XX/XXXX. How will they return the funds to my account if the account has been closed? I did not request to close my account. Wells Fargo just decided to close my account. I think they should not close my account until the funds for the fraudulent charges have been credited to my account. Then we can part ways.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments XXXX XXXX XXXX Account To Whom It May Concern, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Account Details : Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Creditor Remarks : Closed Nature of the Complaint : Inaccurate Reporting : My credit report reflects late payments in XXXX and XX/XX/XXXX. However, I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. The reported late payments ( 30 days late in XXXX and 60 days late in XXXX ) are inaccurate and misrepresent my creditworthiness. 
Discrepancies in Reporting : TransUnion is reporting 30-day late payments for XX/XX/XXXX and 60-day late payments for XX/XX/XXXX. 
Both XXXX and XXXX do not report any late payments for these periods, highlighting inconsistencies in reporting accuracy across bureaus. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1681 ), which requires credit reporting agencies to ensure maximum accuracy of the information reported in consumer files. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation and may violate FDCPA protections for consumers.


Truth in Lending Act ( TILA ) : The reporting practices undermine the transparency mandated by TILA, which requires the accurate reporting of credit information. Additionally, the FCRA ( 15 USC 1681i and 15 USC 1681s-2 ) mandates that credit reporting agencies and information furnishers correct inaccurate or incomplete information. Articles 616 and 617 ( 15 USC 1681n and 1681o )
outline the civil liabilities for willful and negligent noncompliance, including damages for failure to adhere to these provisions. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. Please update my account to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Copy of my personal identification document Copy of my recent credit report highlighting the discrepancies Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

account number XXXX open XX/XX/2016 {$10000.00} this account is a fraud account open by someone who stolen my identity, fraud
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion for unlawfully re-inserting a fraudulent collection account that was previously removed from my credit report. Additionally, I am reporting fraudulent hard inquiries that have appeared on my credit file without my authorization. 

Details of the Fraudulent Collection Account : Creditor : XXXX XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXX I, XXXX XXXX XXXX, affirm that this debt does not belong to me. I am a victim of identity theft, and this fraudulent collection account was previously removed from my credit file following an official dispute. However, TransUnion has improperly reinserted this account without providing me the legally required written notification, as outlined in 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

I previously disputed this account and provided substantial evidence, including : A police report documenting my identity theft case. 
An FTC Identity Theft Report verifying my identity theft claim. 

Despite my compliance with dispute procedures, TransUnion has violated its legal obligation to maintain accurate credit files and has allowed the reappearance of an account that was previously confirmed as fraudulent. Furthermore, XXXX XXXX XXXX XXXX ( XXXX ) does not possess a valid debt collection license in the State of Illinois, as verified through the Illinois XXXX  XXXX XXXX and Professional Regulation ( XXXX ). 

In addition to the fraudulent collection account, I have discovered the following unauthorized hard inquiries on my credit report : XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquiries, and they are further evidence that my personal information has been compromised. These unauthorized credit pulls are negatively impacting my credit score and financial opportunities.
Product: Debt collection

XXXX # XXXX Re : Notice for Proof of Claim Account : XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debt

s States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX ) XXXX XXXX XXXX Account Number XXXX. ( XXXX XXXX ) XXXX XXXX XXXX  Account Number XXXX ( XXXX ) XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B )., There are several accounts listed on my credit report XXXX XXXX XXXX XXXX XXXX that read incomplete and I have a right to dispute incomplete or inaccurate information in your report according to Fair Credit Reporting Act 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B ). These Matters DO NOT Show On Any Other Credit Reporting Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper reporting to credit companies without prior consent under FDCPA laws.
Product: Checking or savings account

As a result of depositing {$75000.00}, my account was upgraded to Chase Sapphire Account in XX/XX/2019. And my saving account was linked to my sapphire account. After I withdrew the money I visited a local chase branch to make the needed changes so that I don't have to pay fines as a result of requested changes. But I have been charged {$20.00} for the past 18 months totaling {$360.00} which I became aware of very recently as my savings accounts were made paperless ( I did not request this ). I earned a total interest XXXX cents or so during the same period. So I closed the account caught unaware of these fees. I contacted XXXX XXXX of Chase Branch located at XXXX XXXX XXXX, XXXX, XXXX was told that my concern was escalated and I can expect to hear from between 7 to 10 days. It is almost 14 days and I have not heard from Chase. Trying to find why these charges were made by visiting or calling Chase has been a wild goose chase. I am afraid there are other in my similar situation.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report I called the credit bureau but they refused to remove even after I informed was fraud. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

I dont recognize the charge. Ive requested in writing that they provide dates of service and specific providers, and that this information be provided in writing. Ive been told that I need to resolve this today. I have not received the requested information in writing.
Product: Credit reporting

I was attempting to get my free annual reports on line and there was a power failure. When I got back to my computer the PDFs were gone I could not recover them. I asked for access like you get when you pay 30 days, but was denied. I then asked to have them mailed and this is the response I got from Trans Union. No pay for it now. I think that is unfair. I tried to get them online and failed. Then I wrote them and filled out the mail request form and then they said no again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter dated XX/XX/2022 stating they received my request regarding inaccurate information on my credit file. I never submitted any dispute! I already received my report XX/XX/2022. Looks like someone else requested there report & have not received it because once again Equifax has comingled someone else 's request for there report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I formally terminated my car contract using commercial paper. Concurrently, I revoked my Power of Attorney through a notarized revocation. Additionally, I dispatched a certified letter on the same date, exercising my rights under 15 USC 6802, explicitly opting out of reporting to any reporting agencies. 

Despite these actions, the company continued to report on my credit, thereby violating my consumer rights. They disseminated my information to multiple non-affiliated entities, which are not authorized credit reporting agencies ( XXXX and XXXX are reporting agencies, not credit bureaus ; the only credit bureau in the United States is the CFPB ). 

Furthermore, my Social Security number was transmitted to non-affiliated third parties without my consent. The term " nonaffiliated third party '' refers to any entity that is neither an affiliate nor related by common ownership or corporate control with the financial institution. 

The company has also sent unmarked letters in an attempt to collect a fictitious debt, which was already satisfied through UCC Tender of Payment. This constitutes fraud and harassment. Additionally, they have placed harassing phone calls despite my explicit instruction in a certified letter that all communication must be in writing. 

This behavior appears to be systemic within the company, suggesting a need for a forensic audit for securities fraud in addition to their routine violation of consumer rights as part of their daily operations.