23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX I did 3 wire transfers from my XXXX account which is worth of {$5000.00}, {$6200.00} and {$10000.00} to my wife business account XXXXXXXX XXXX XXXX XXXX  XXXX which belongs to Bank Of America Bank of America tagged these transactions as fraud and didn't deposit to my wife business account. 

They stopped these transfers and triggered a fraud inquiry finally they decided close my wife business account around XX/XX/XXXX week Initially they said we will send the remaining balance in form of cheque, we waited for a week but we received a cheque of {$500.00}, but the actual wire amount total worth of {$25000.00} after multiple follow ups and hours of frequent phone calls, They told your source account has to recall the funds and we started this recall process from XXXX investments from XX/XX/XXXX until now, I didn't received a single XXXX Because of the bofa behaviour we lost our first business order. which is very crucial to our business and still we didn't receive the funds Bofa customer support is very very slow hours are losing in their call waitings
Product: Debt collection

On XX/XX/2017, I attempted to upgrade my phone on the XXXX XXXX XXXX website. Unfortunately, I ordered the incorrect device. I immediately tried to CANCEL my order, but there was NO WAY to cancel your order on the XXXX XXXX XXXX website. I called them that same day, and after about 2 hours of holding, I got someone who informed me there was " no way '' to cancel the order, " it's already on the truck '' but I could refuse it when it arrived, and he would order me the XXXX XXXX right away. I refused his offer to purchase another phone. The ( wrong ) phone arrived when I was not home and was left on the front porch. ( WHERE IT COULD HAVE BEEN STOLEN ) I took it to the post office, marked " REFUSED ''. I then called XXXX XXXX XXXX every single day for two weeks to find out if they received the phone and at one point I got a guy who gave me the original tracking number and told me they had received the phone and tried to sell me another phone. Every Person I talked with was no help, and only wanted to sell me another phone, before they received the one I sent back. I also contacted them via chat to try to see what I should do. 
I spent over 15 hours of my life trying to rectify this situation and then a month later- after I had cancelled my service with XXXX XXXX XXXX because THEIR CUSTOMER SERVICE IS a JOKE, the SAME frigging phone shows up in my driveway! 

On XX/XX/XXXX, I off work early and went to the XXXX XXXX XXXX store in XXXX, Alabama on XXXX XXXX XXXX, and sat there for about 30 minutes waiting on a salesman, trying to return the phones, only to be told that store wasn't the store I needed to go to to return the phones! Well, the store I needed to go to was out of the way, and I never made it by there to return them. I meant to get by there and just never did. 

WHY DO THEY MAKE IT SO HARD TO DO THE RIGHT THING? This is infuriating. 

So now, XXXX XXXX XXXX wants me to pay for this phone and I think they SHOULD PAY ME for putting up with their XXXX. They offer no way to alter, edit or cancel an order. 

Furthermore, the " new '' phone was never set up in my name so how can I be responsible for it? Now, this is in collection and XXXX XXXX XXXX wants {$1600.00} from me. I am ready to fight them and go to court on a class action because they are shady, slithering crooks who only care about making a sale. I was a 10-year, faithful customer who NEVER MISSED A PAYMENT. NO MORE. Absolutely the bottom-of-the-barrel tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXXInaccurate XXXX XXXXN/AInaccurate   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX  XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate Also, the only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed below and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Product: Credit card or prepaid card

Two fake accounts opened in my name XX/XX/XXXX. XXXX XXXX XXXX mileage plan. Charged {$75.00} dollars by bank to open accounts that I DID NOT OPEN. Have made multiple phone calls, trips to three different Bank of Americas, filed a claim, that was faxed by B o A. No one responded to faxed claim. The employees at all three B o A denied the ability to help me, including the manager at one of them.

One person deleted the {$75.00} dollars but would not help me otherwise. I have sent several request for information on how accounts opened. No response. The one thing that did happen was a " soft '' inquiry on my credit line by B o A after one of my several trips to the bank for help. I have XXXX protection and they notified me. 
Please help me. Have been with B o A since 1978. Am now in process of closing this long time account, which has caused many more hours of work with auto pay accounts, and transferring to another account, and personal visits to establish auto pay with places like XXXX, water company, sewer company, telephone company, computer company and any one else we do business with. Have filed police reports, notified Postmaster General and as many places that were recommended
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX  days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Credit card or prepaid card

After over 9 months of trying to locate a way to view my bill for my Synchrony Bank issued XXXX XXXX, I have had no success. I have talked to over 7 different representatives who claimed they would fix this, which was never resolved. The company sends emails and texts saying that it will allow you to link the card to your XXXX account, however after 6 months of research I discovered that XXXX actually has NO association with this card or bank, and the card can not be added. Each time I made a complaint they resend the same text messages and emails which provided ZERO results. I have been lied to, lead on, and am having to pay a credit card bill which I have NOT ONCE seen an actual bill for. I had ordered a product many months ago which I never received, I was unable to provide a receipt for this purchase due to the fraudulent company and therefore had to forfeit the product which I paid for. This is absolutely ridiculous and after nearly a year I don't know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The most recent letters that I have sent to Equifax disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of removing or even responding to the inaccurate personal information and accounts ( that I have been disputing inaccuracies for over months ), they repeatedly send me letters to STALL by stating they need two documents for identification and current address. Here 's where the biggest problem is and COMPLETE violation of my rights. Every single letter I have sent to Equifax includes my Driver 's License for identification and Current Address, my Social Security Card for another form of identification, and a utility bill for another proof of address! I send THREE forms of documents WITH my letters to Equifax. Yet, their response to me is " Please return this letter along with the requested information and your original correspondence/request to the address below ''. WHY would I need to send in the same documents that were included in my original letters? Please see the attached letters sent to Equifax WHICH CONTAIN the identification and current address documents that they state that they need in order to " process without delay ''. Equifax is clearly operating ILLEGALLY. They continue to stall. Please see two letters sent by Equifax attached sent to me one day apart. They send multiples of these letters even though the documents they are requesting was included in ALL of my letters to them!! Equifax needs to remove the inaccurate information immediately. After multiple dispute letters to Equifax, I have received no resolution. They are in violation of the Fair Credit Reporting Act. I demand that Equifax take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for you willful non-compliance. For the record, I am attaching the two most recent letters sent to you on separate occasions. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit report! It is illegal for you to keep stalling!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed 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. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX, credit card accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, account number XXXX and XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX, account number XXXX, and a credit card account with XXXX on XX/XX/XXXX account number 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 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have provided Transunion as well as XXXX & XXXX collections with all proper documentation and requested validation of the debt and still have not gotten any information besides a bill and amount. I keep being told that that's all they have and by Transunion they keep saying that XXXX & XXXX is just sending a electronic response that the debt is validated with no documentation -- - I have also provided my FTC report for fraud and they still will not comply This is a violation of FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. By the provision of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that the above-mentioned derogatory item be investigated and removed permanently from my report. 
I await your reply with the above requested proof. Upon reviewing it as this is my XXXX request for validation without any response I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me, the following alleged account listed as a collection with a PAST DUE BALANCE OF {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Michigan XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX This has been sent XXXX different times to both companies. 

I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me, the following alleged account listed as a collection with a PAST DUE BALANCE OF {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Michigan XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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.

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! 


Update the late payments from my consumer reports
Product: Debt collection

Experian - Removal of Late Payments due to unemployment I am writing to demand the removal of late payment entries from my credit report for the account ( XXXX ) referenced above. These late payments were a direct result of being unemployed during the period of XXXX XXXX XXXX and I am requesting that these be removed immediately, as I believe they unfairly penalize me for circumstances beyond my control. 

XXXX. Impact of Unemployment on Payment History As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that information reported to the credit bureaus be accurate and fair ( 15 U.S.C. 1681 ). The late payments in question occurred during a period of significant hardship when I was unemployed, and my ability to meet financial obligations was severely impacted. Under the FCRA and Regulation V, I request that these late payments be re-evaluated and removed from my credit report as they do not reflect my usual payment behavior. 

XXXX. Request for XXXX XXXX Given the extreme and extenuating circumstances of my unemployment, I am requesting a goodwill adjustment from the creditor ( XXXX ) in question to remove the late payment entries. This request is grounded in the understanding that I made all reasonable efforts to make payments during that difficult time but was unable to meet deadlines due to lack of income. Removing these late payments would more accurately reflect my payment history and financial responsibility over the long term. 

XXXX. Legal Precedent and Credit Reporting Standards Under 15 U.S.C. 1681c, I am entitled to dispute the accuracy of any information that may not fully represent my true financial circumstances. I believe these late payments should be reclassified or removed, considering the context of my financial distress. Additionally, I expect full compliance with FCRA Section 605 and the Equal Credit Opportunity Act ( ECOA ), which protects consumers from being penalized for credit report information that reflects circumstances outside of their normal credit behavior. The financial hardship caused by unemployment should not permanently XXXX my creditworthiness. 

XXXX. Immediate Removal Request Given the above facts, I am requesting that these late payments be immediately removed from my credit report. I expect a prompt and thorough review of this matter, and I anticipate your compliance with the FCRA in resolving this dispute. Should this issue remain unresolved or the late payments remain unaddressed, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options.
Product: Student loan

I am enrolled in the XXXX plan with a monthly minimum of {$0.00}. According to my plan information, no interest will accrue for all loans, including unsubsidized, while my plan minimum is met. My plan expires XX/XX/year>. I received monthly statements for {$0.00} regularly, with the most recent being XX/XX/XXXX. Without any communication from my servicer Aidvantage, XXXX loans started accruing interest. I only found out because my XXXX XXXX plummeted and my card company called me. I still can not confirm the start date of the accrual of interest, but it looks like it was XXXX of 2024. I have requested a refund and have received no further information from Aidvantage. All loans I have were included as eligible in the XXXX plan I am enrolled in. I have also filed a complaint with the XXXX.
Product: Debt collection

XX/XX/XXXX I was diagnosed with XXXX XXXX that forced me to close my business, prompted separation from spouse, a move to healthier environ that led to homelessness, joblessness. <P/>I contacted Citibank with address changes, told of the issues, that I would continue to pay and communicate online as I had to give up phone. <P/>I used up savings and notified them of the amount I could pay from odd jobs. They accepted for just a few payments, ( breaching the contract made by phone, recorded per Citi ) then refused my payments beginning XX/XX/XXXX stating to " Send the entire amount ... '' which was not in any way possible. Citi continued to refuse payments, did n't reply to any contact, but continued to add late fees, penalties and interest. <P/>I believe that they further breached the contract by writing it off, getting the tax credit and turned in to collections, the paper being bought by XXXX XXXX for what appeared to be XXXX cents on the dollar and they began sending collections demands in XX/XX/XXXX, and only a statement for the full amount every 6 - 8 months, ignoring every contact of mine with description of the history, what I felt was fraudulent billing by adding penalties, late fees. NO reply. XXXX XXXX XXXX re : ID FOR COMPLAINT SENT TO XXXX XXXX Ignored, only a statement for full amount.