23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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 to be updated.

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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of specific accounts and inquiries listed on my credit report, which have been associated with fraudulent activity following a recent data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my report. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The One Main Financial loan was paid off last year XXXX  about XXXX and it still shows a negative report, but states the it has been paid off. I would just like it off my report.
Product: Checking or savings account

I closed all of my accounts with Bank of America on XX/XX/ 2023. I spoke on the phone with a representative, XXXX at the company and withdrew all of the money from the accounts. Last week, I checked the account to ensure it was closed before the start of the new year and discovered they did not close the account and have continued to charge me various maintenance fees. The primary reason I closed the account was because of their lack of transparency and false fees that they refused to credit. I called a representative in the XXXX XXXX department of BoA, named XXXX. She claimed that I never actually closed my accounts because there was XXXX dollars in the account. She said all fees were valid because the bank credited the cash back from my credit card to the account, thus not closing it. When at the time of the first call to close the account, there was a XXXX balance. XXXX continued to change her story, would not return calls or investigations in a timely manner, allowing more fees to accrue. She claimed to not be able to find any of the calls I made with various employees over the past year maintaining that all fees were valid, when they were not. She said the account will not close until I pay the fees accrued after I closed the account the first time. When there should not have been any fees since I was told I closed it. I believe the employees at Bank of America are trying to commit fraud. They have lied about fees, and whether they have done the things I have requested. This needs to be investigated.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I've attached a list of the hard inquiries, addresses, and all other information fraudulently reporting in question as well as a copy of the consumer FICO 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 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 XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Hello, I'm in the process of purchasing a house in XXXX XXXX, NM. When I locked my rate on XX/XX/10, the origination charges were {$850.00} under Section A of my loan estimate. The purchase price of the home was {$430000.00}. The LTV was 95 % - down payment {$21000.00}. ( See : 06102021_Better_loan estimate_Rate Lock ) The appraisal on the home came in at {$380000.00}, and I agreed to pay the shortfall. I requested that the loan down payment be changed to cover the shortfall and decrease the LTV to 90 % - down payment {$85000.00}. When this was done, the origination charges increased to {$2300.00}. I called Better and explained to them that this wasn't OK and was able to negotiate {$500.00} off the origination charges, which decreased down to {$1800.00}. ( See : 06282021_Better_loan estimate_Post Negotiations ). I was told the reason for the increase was due to my appraisal coming in under the house value, and covering the shortfall and decreasing LTV didn't matter. 

I would like CFBP to investigate to ensure this practice is acceptable. It doesn't seem right to me if I'm accepting the risk by covering the shortfall.
Product: Credit card

My REVVI credit card is lost/stolen and theres fraudulent transactions on my REVVI credit card account. I want REVVI Card to immediately close the lost/stolen credit card account because my card is lost/stolen and theres fraudulent transactions on my account. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/scrub>XXXX XXXX
Product: Credit reporting

I investigated the negative items on my reports that were not mine and I have not receive any proof of the proper actions taken. My accounts were not properly investigated. Equifax failed to abide by Section XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

Several hard inquiries on my account that were not approved by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have had several incorrect addresses and phone numbers removed from my report. These were not approved by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

I received a check for {$5000.00} and tried to deposit it into my Chase checking account via the Chase Banking app, and it erroneously told me that it was a duplicate check. I have received checks every month for the same amount, but different checks with different numbers! After calling several times, I had been given info that perhaps the system was down, or that I was above the daily limit, which the one person said was changed to {$2000.00}, although I have never been informed of that. In fact, the app says my daily limit is {$5000.00} right when I want to deposit. I finally was told to send it by mail ( from XXXX ) and I sent it by expedited mail, and it still is not credited to my account, almost 2 weeks later. I think they should have a way to tell that the check was not a duplicate, and I would like to know if they are holding on to my check. Thank you!
Product: Credit card or prepaid card

I use my capital one account for almost every purchase. I use the " Drop '' app to accrue points for tracking purchases, but they recently told me the reason I'm no longer getting points is because capital one has blocked Drop 's provider 'Plaid ' from accessing the API. They said the only way to get Capital One to restore access is to file a complaint.
Product: Credit reporting or other personal consumer reports

I have identified accounts on my report that are a result of identity theft. I have not given Equifax, XXXX, or XXXX written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX # XXXX Acct. XXXX XXXX XXXX XXXX # XXXX. I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and aforementioned codes and laws.
Product: Credit card or prepaid card

I purchased a XXXX netspend card in XX/XX/XXXX.. I have n't needed to use it and also have n't received any alerts or statements. Today, XX/XX/XXXX, I logged into the online portal and my balance is gone ... months of " maintenance fees '' that I never agreed to and was never informed of either. 

This is not fair business practice!
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date XXXX since then the account has repeatedly been updated as charged off every month. 
A charged off account shouldn't include an active payment history this inaccurate information falsely manipulates the statute of limitation please investigate this account properly after i asked you to do it Twice and your neglect has violated my rights, I am demanding a deletion of the following accoun. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting of XXXX XXXX XXXX XXXX Account # XXXX I am writing to dispute inaccurate information on my consumer report under the Fair Credit Reporting Act ( FCRA ). The following account appears to have reporting inconsistencies : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XXXX I believe this account is not reporting accurately. Please investigate this account, verify its accuracy with the data furnisher, and provide me with the outcome of your investigation. If inaccuracies are found, I request that you update or remove the incorrect information as appropriate. 

To assist in your investigation, I have enclosed a copy of my consumer report with the account in question highlighted. I have also included a copy of my identification and proof of address. 

Please complete your investigation and notify me of the results in writing. Should additional information be required, do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. 

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

Hello Equifax : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior Equifax security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report I noticed incorrect addresses that I never lived at. I sent out a letter to the bureau to remove the incorrect information on XX/XX/2020 and never got a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with Equifax in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by Equifax. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to Equifax and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. Equifax as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the informati on had been removed from their files just two weeks earlier. In addition the Federal Bankruptcy Clerk of Court as p er US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.
Product: Credit reporting or other personal consumer reports

D

ates are attached with documents uploaded. According to 15 u.s Code 1692c- c, I have the right to dispute any and all debt you claim I owe. Please provide verification of debt with a copy of application, contract agreement, and proof that you owe this debt. 15 u.s Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately.15 U.S CODE 1681n-they are accessing my report without your permission and that is a violation. Pursuant to 15 USC 1681n, I am entitled {$1000.00} per violation.

These accounts should not be furnished on my consumer report as they are in violation! under 15 u.s code 1681b- permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer. No consent is identity theft. As a consumer I am demanding the deletion of all accounts listed immediately. 15U.S code 1681 all non compliant, incomplete, untimely, untrue, inaccurate or alleged accounts be completely deleted immediately.
Product: Checking or savings account

I have over the last few months have had several withdrawals from my account by XXXX XXXX  XXXX CA. I have a son that's in college and told me to use this service to send him money. I did but I noticed every time after I sent him the money they would take out way more than was sent to him and what I authorized so I started to email and call XXXX XXXX XXXX and I was getting no where. Emails would be sent back to me stating that they were researching but they never did anything. You can not contact these people everything is electronic. So I finally just went online to my bank account and started o dispute the charges with my bank account last month. The last few weeks PNC Bank has started to reverse the provisional credits that they had given me for these charges giving me a the reason that the they are unable to research and or dispute outside or sorry third party vendor disputes and that I have to dispute directly with XXXX. I told them I tried for over a month and this is alot of money that has been taken out of my account they basically stayed on their script. They should it is nothing that they could do it is bank policy it will be denied and all the others will be denied. They basically told me that sorry we are not going to help you figure it out on your own, I have run out of options. I need this to be resolved I need my money back in my account because now my accounts sit in a negative balance. The charges that I am disputing are as follows : XX/XX/2019 {$160.00} taken from my account should have only been {$40.00}, XX/XX/2019 {$230.00} taken from my account should have only been {$20.00}, XX/XX/2019 {$600.00} taken from my account should have only been {$60.00}, XX/XX/2019 {$400.00} was taken from my account should have only been {$20.00}
Product: Credit card

My history with this account demonstrates a consistent commitment to ensuring payments are made on time, with no instances of tardiness. Yet, I'm puzzled by the appearance of late payment remarks associated with my accounts. As per 15 USC 1666b - Billing Error guidelines, it's imperative to address and rectify any billing discrepancies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
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The following inquiries should not be listed.   XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .
Product: Mortgage

I refinanced my mortgage for a lower interest rate. I paid off the existing loan. 
On the old loan under ''PAYMENT HISTORY DETAILS '' The following is listed Transaction Date : XX/XX/2021 Transaction Amount. {$530.00} Transaction Description. FORECLOSUREPARTIALREPAYPRINBAL ''THE TRANSACTION WAS APPLIED AS FOLLOWS : Principal : {$00.00} Interest : {$530.00} Escrow : {$0.00} Fees/Late charges : {$0.00} Other Fees : {$0.00} Miscellaneous. {$0.00} Unapplied Funds : {$0.00} On XXXX I spoke to a rep at LoanCare and he did not know what or why the {$530.00} was there for. I asked to speak to a supervisor and she told me ''I don't know why it has a description of ''ForeclosurePartialRepayPrinBal but it is simply interest when you paid off the loan. I disagree I have the payoff summary and with the payoff the interest was already added in. Loancare is listing this transaction as a separate entry. 
I am offended that they have associated the word ''foreclosure '' with my name and account. Now they just want to call it ''interest ''. I am calling it an intentional mistake and I want a refund of {$530.00}. They can not just describe it as ''foreclosure '' and when I challenge it say it's ''just simply interest ' and I'm supposed to accept it. 
To top it off I now with the new loan have acquired LoanCare again as the servicing company. 
Why would they make 2 separate amounts of interest on a payoff? I owe this amount, the interest is this and total it. This {$530.00} is in addition to the payoff amount with interest. The {$530.00} is a separate entry.
Product: Credit card

American express tricked me to keeping my account open. 

I called American express on XX/XX/2016 regarding my American express XXXX business account. I inquired if there is any retention offer that can help me decide if I should keep my account. An agent told me that she is able to add a retention offer, 'spending XXXX on the account and get XXXX XXXX points in 3 months. ' Then I asked if she can send me a confirmation email, but she told me that she ca n't. However, she left her name XXXX with agent id XXXX. Then I finished the spending requirement on XXXX XXXX, but I have n't received my spending bonus on XX/XX/2016. Hence I called American express on XX/XX/2016 and inquired if my spending is eligible for spending bonus and how long it will take to get my bonus points. The agent responded with 'sorry there is no retention offer on your account, and you are not eligible for any bonus points. ' Then I asked if she can locate the agent XXXX with agent id XXXX, but she answered 'no XXXX is not here. ' Then I ended the call but found I was tricked by American express because American express agents tried to keep my accounts with fake offer and names/ids. Now I can not get my annual fee refund because it has been passed 30 days since annual fee posted.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.