23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

On  XXXX / XXXX /  XXXX   I received a call from  XXXX . I answered my cell phone and talked to a  XXXX   XXXX . He told me he was calling of an old payday loan that was sold to his company from  XXXX   XXXX . I asked him how much did I owe. He told me that I can go on 4 monthly payments of {$390.00} per month, 6 monthly payments of {$350.00}, or {$260.00} for 8 months. He also told me I have a balance of {$2100.00}. I called  XXXX   XXXX  they told me I borrowed {$1000.00}. I asked  XXXX   XXXX  if you can mail me verification of debt. His comment was that he does n't have to provide any verification of debt. I thought that was a federal law to provide verification of debt. I never received any notification from  XXXX   XXXX  that the loan was being sold to another company. I asked  XXXX   XXXX  which company he represents he told me  XXXX   XXXX  and then told me he represents  XXXX   XXXX   XXXX . I have no idea if this company is legit or they are trying to scam me.
Product: Debt collection

XXXX XXXX  credit card was discharged in bankruptcy, debt was also written off/charged off. Debt is still being reported on XXXX and XXXX. This same debt is being reported by Portfolio Recovery Associates to XXXX and XXXX. I have not ever signed any contracts or any other dealing with Portfolio Recovery Associates, and they are still reporting negative information to XXXX and XXXX on my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion continues to violate privacy report non credit personal transactions on my report stating that they verified it with the furnished which is clear and willful non compliance an I am tied of submitting disputes just to receive the same auto generated letters back in the mail for instance they allowed XXXX XXXX XXXX XXXX to illegally report a fraudulent debt on my account for XXXX months an if I would have never been a victim of the XXXX breach and pulled all reports they would have still been allowing my identity to misused at the detriment of my lively hood and is liable under the applicable title in FCRA for monetary relief for the willful and negligent non compliance an the deletion of the account serves as proof to support this claim XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX started and went on for XXXX months now they are in a federal lawsuit and I dont mind adding TransUnion as a party of interest. See the attached deletion is admitting and its all coming together as a violation of my civil rights under HIPPA due to it being medical information related that they are passing around for profit so here I come transunion here I come!!
Product: Debt collection

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, XXXX and XXXX  from Universal Acceptance Corporation Debt Collection Representatives for a fraudulent Car Hop auto loan account thats not my account, is a fraudulent account and the result of identity theft. Its very appalling, disturbing and frightening to be receiving phone calls of XXXX and XXXX threats from Universal Acceptance Corporation Debt Collection Representatives. I am in fear of my life. Universal Acceptance Corporation is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under  Federal and State laws.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is XXXX XXXX for an apt that debt occurred on XX/XX/XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incurable XXXX and have been working to improve my credit scores for lower life insurance and interest rates. My history on Transunion shows 100 % on time payments for years with the only drop in score due to 38 % credit card usage in XXXX ( car repairs/Dr 's. ), which I paid off to keep raising my score. By XX/XX/XXXX, my score was back to XXXX. On XX/XX/XXXX, I paid more to get usage down to 25 % and a XXXX score. I have since transferred {$470.00} to an interest free credit card account and paid off {$1100.00} for a drop of {$650.00} off my total balance and brought usage down 4 % to a total of 21 % with todays credit score check. No other categories changed, and I was shocked to see that my XXXX XXXX decreased, not increased. It makes no sense. How can everything remain the same except you lower your credit usage from 25 % to 21 %, which is a high impact category, and your score is lowered and you are punished. I was on the phone to Transunion 3 times for explanations only to be told by someone from XXXX, that they could not tell me why. Then I placed another call and someone named XXXX from the XXXX told me the same thing and neither could give me a contact number for a United States office to call or visit, but they could transfer me and connected me to a number that rang over 20 times and no answer. Sending Attachments so you will see my Transunion score info and changes and all categories remained the same or improved but the credit score dropped.
Product: Credit card

XX/XX/XXXX- I consulted XXXX for vaccination services and I was told that they offer them. Created my account with XXXX and entered my information including my insurance information. I scheduled an appointment for my first vaccine shot and called the XXXX call center to check if they can confirm if my insurer will cover the cost of the preventative service. Call center agent confirmed that it will be covered since it is preventative. Proceeded with the appointment with the XXXX XXXX  who administered the first dose of the vaccine. Before the vaccine was administered, I inquired again ( with the XXXX XXXX in person ) if theres any co-pay, the nurse practitioner said no because preventative treatment are usually covered with XXXX. The same thing happened with the XXXX succeeding doses, confirmed with call center agents and nurse practitioners who administered the medications. 

XX/XX/XXXX- received an email from XXXX containing a notice that my credit card on file was charged for the vaccination service received XX/XX/XXXX. Called XXXX about it to ask why and was informed that my insurer ( XXXX XXXX XXXX ) refused to cover the service. I then called XXXX and was told that the XXXX XXXX XXXX gave me false information about coverage, so it will not be covered. Called XXXX call center again to ask for help, and was told that the company is not liable for whatever false information XXXX XXXX had provided, and should have checked the coverage myself ( although the XXXX website says their staff will check insurance process for patients as part of their service ). 

Attempted to dispute the charges through CitiBank, which handles the credit card that XXXX has charged. Using their mobile app, I accidentally put in XX/XX/XXXX instead of XX/XX/XXXX as the correct date of service on my dispute request. Being new to the XXXX and it being my first time to dispute a charge, I did not realize that withdrawing the dispute means taking the financial institutions ( CITIBANK ) right for the dispute. I mistakenly withdrew the dispute for the intention of just correcting the date ( which happened only few seconds after dispute submission ). Called citibank for the honest mistake and asked for assistance for correction and dispute resubmission but was told by their supervisor that they have no power to do anything about it anymore. 

Researched online and discovered that CFPB might be able to help. I work as a healthcare practitioner as well and was told by co-workers that they have heard others experienced the same issue with XXXX too. Hopefully this report not only can help me with my dispute, but also stop the company from taking advantage of people through unethical misinformation which burdens people who deserve better and honest healthcare services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment today XX/XX/20 and unfortunately I did not get approved because apparently there are several accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. The accounts are from the following companies. XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor have I given anyone else permission to open an account with these companies on my behalf. I do not have type of contract with any of these companies ; I did not benefit anything as a result of these accounts being open in my name without my permission such as money, goods, services or any other benefit and I am not responsible for any of these debts. I filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report regarding these unauthorized accounts
Product: Money transfers

My name is XXXX, On XXXX I made a Western Union transfer in the amount of {$1000.00}, to my father XXXX residing in the city of XXXX, in the XXXX. When I made the Western Union money transfer, the clerk who assisted me gave me a receipt with a unique tracking number ( receipt attached ). I communicated the Western Union tracking number to my father who was surprised to find out that he could n't pick up the money I sent him. The agent at a local Western Union agency in XXXX informed my father that the tracking number did not have a transaction associated with it, and advised him to contact me in order to confirm it. I confirmed that the tracking number was accurate, and I called the Western Union customer service line to inquire about the issue. The agent I spoke with informed me that the money was picked up at Western Union agency in XXXX, by an individual who presented an I.D card and the right tracking number. I mentioned to the agent that whoever withdrew the money was not my father, and that I suspected a case of fraud. I asked for the reimbursement of my money and fee paid, but the agent said Western Union would conduct an investigation that would take up to 20 days prior to determining whether I should be reimbursed. 
I do n't think that it is fair that we, the customers, have to pay the penalty for a faulty system. I have paid for their service, but Western Union failed to deliver. Western Union not only failed to deliver the service it promised, but has also created an inconvenience for me and my father by making us wait more than 20 days before we could have access to our money. 

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

XXXX will not remove collection XXXX XXXX account that is being reported in accurately on my credit report is that conducting proper investigation as required by the Fair Credit Reporting Act. THIS SAME EXACT XXXX XXXXXXXX XXXX WAS REMOVED BY XXXX THROUGH THEIR PROPER INVESTIGATION FROM MY CREDIT FILE.
Product: Checking or savings account

I submitted request for fund transfer from my account with HSAbank on XX/XX/year> to XXXX HSA. the account balance was $ XXXX online portal reflected a XXXX balance on XX/XX/XXXX. As of XX/XX/XXXX the funds have not been received by XXXX. I called XXXX to ask what the issue was. They stated that the request had been submitted on their end, but the funds had not been delivered. They also contacted me On XX/XX/XXXX to notify me there was an issue with HSABank failing to respond. I called the HSA Bank twice and was told the transaction was in process. XX/XX/XXXX Called HSABank again and was told it was in process, but representative would not elaborate. I requested to speak with a supervisor, but was denied. The representative told me " it all looks very good ''. I told her that was not a satisfactory answer. I was then told thank you very much, just be patient. The call ended.
Product: Credit card or prepaid card

I had a Care Credit Card for my pet. She had a major emergency and was rushed to the Emergency Room, years ago. At the time, I was in between jobs, young and scared. I didn't know much about credit or interest and payments. The vet suggested the card to pay for the ridiculous costing medical bill. The interest rates took me by surprise and I could not keep up with payments. Please, understand that I am trying to regain control of my credit from what seems like I was drowning. I am trying to make amends and move forward positively. I have not been able to find much stability over the past few years and would like a chance to begin a new. Currently, I am looking for work and am currently in financial hardship with the hopes of becoming proactive about taking care of this to get me in a better position with my credit.
Product: Debt collection

This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to my credit report. 

OR The agency is infringing on my consumer rights by using misleading, false, and deceptive tactics. 

Ive already tried to resolve these issues directly with them. But they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME ISSUES thatI foundon my credit report. I found a fraudulent account balance from XXXX XXXX XXXX .I know this account is not accurate I am disputing it I never had any business with any timeshares. I seen that the date listed for the above account was XXXX and it is XXXX that is past the statute of limitations. I request full documentation and the Date of last action on the above account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, since my original mortgage from XXXX XXXX XXXX XXXX   was sold to XXXX, in XX/XX/2017, for some unexplained reason, the lender has stated at least in the past year, despite the fact that Ive always made my mortgage payment, that I was behind on my mortgage but did not clearly explain why. This has adversely affected my credit scores and more specifically, this past week, caused a refinance to be denied, reportedly because of these lates, which were reported to the credit bureaus. They never explained clearly to me why they were doing this and now it has affected my ability to refinance my loan, which I need to do in order to pay off all the debt Ive accumulated, in order to make my mortgage payment each month.
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 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 filing a complaint against TransUnion failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation, These are the account i mark inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX XXXX XXXX I notice negative reporting from several different banks, I'm not familiar with. I sent a dispute to ews asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 

CITIBANK account # XXXX According to the FCRA : XXXX. Right to Dispute Inaccuracies Section XXXX : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within XXXX  days. 
XXXX. Notification of Dispute Results Section XXXX ( a ) ( XXXX ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 
XXXX. Notice of Disputed Information to Furnishers Section XXXX ( b ) : When a consumer disputes an item, the reporting agency must notify the entity that provided the disputed information. The furnisher is required to investigate the matter and report back to the consumer reporting agency. 

EWS violated my consumer laws according to the laws listed above by not providing written results detailing the results of the investigation and providing documents used to validate the debt. Please find attached all disputes sent to EWS and their response.
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. 

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 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 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 card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BANK OF AMERICA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Consumer Loan

Recently a person has been repeatedly calling my previous employer asking for any information pertaining to me. They explain that they have a legal document to deliver and that they have called all my other previous employers and that they need to deliver the legal document and they need them to provide any information they have about me. They have called daily. Next they called my mother and left a detailed voicemail referencing my previous address and a filing document number and they threaten to proceed legal action if the call is not returned. They have started to call from a private number as well. I finally was able to get a hold of someone. The company claims to be XXXX and XXXX their organizer. She is attempting to settle on behalf of Nissan Aceeptance Corporation,
Product: Credit reporting or other personal consumer reports

I've been reaching out to Transunion concerning incorrect information, and they keep saying all of my information has been verified for inacuracies. It has not. 

I reported identity theft and they sent me a letter saying they are not going to do anything at the moment. 

Today I'm looking at my credit report and see a address added from North Carolina. I live in XXXX XXXX, Indiana. I've only lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Then I started receiving 20 alerts that my credit has been ran.

This has caused harm in applying for credit.

Law 15 U.S.C. 1681-1681x