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

On XXXX XXXX XXXX at approximately XXXX Hours XXXX I was having difficulty with my on line account at transunion. I called the customer service number and after verification I was transfered to an individual who asked the same verification information then asked me a series of multiple choice questions that were designed to verify who I was. He was difficult to understand and said that the answers that I gave did not match what he had in the files. When I asked for a supervisor in the United States he said that he could not transfer me to the United States. When I asked to speak to a supervisor he said because he could not verify my identity he would not be able to transfer me and suggested I call back and try the verification again.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number:XXXX Creditor Name : XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

I am lodging a complaint with the CFPB to challenge the presence of fraudulent entries on my credit report. In line with the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any erroneous, deficient, or unverifiable details from my credit file. Upon scrutinizing my credit report, I came across multiple fraudulent items that were not authorized by me, and hence should not be included in my credit file. I hereby request for the removal of the following items from my Credit File as soon as possible, in compliance with section 605b of the Fair Credit Reporting Act : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XX/XX/2021. I have reported the fraudulent activity to the appropriate authorities and provided all necessary supporting documents. I urge you to investigate this matter and expedite the removal of these fraudulent items from my credit file.
Product: Credit card

OPENED ACCOUNT AND INITIATED A BALANCE TRANSFER. BALANCE TRANSFER DID NOT GO THROUGH, AND RECEIVED AN ALERT ON THE CITI BANK APP, THAT THERE WAS A " FRAUD ALERT '' PLACED ON MY ACCOUNT. DUE TO XXXX XXXXXXXX, I AM UNABLE TO COMMUNICATE ADEQUATELY ON THE PHONE. I DIRECTED MY POWER OF ATTORNEY AND PERSONAL HOME HEALTH AIDE TO CONTACT CITI BANK BY PHONE, AS NO OTHER OPTIONS WERE GIVEN TO CONTACT CITI BANK BY TTY. MY AIDE CALLED CITI BANK AND VERIFIED ALL APPROPRIATE INFORMATION WITH THE REPRESENTATIVE. THE REPRESENTATIVE REFUSED TO SPEAK WITH ME AIDE, OR ALLOW ME TO COMMUNICATE THROUGH MY AIDE. THIS IS A DIRECT VIOLATION OF THE AMERICAN 'S WITH XXXX ACT, AND A SEPARATE COMPLAINT WILL BE FILED WITH THAT BRANCH OF GOVERNMENT. THE CITI BANK REPRESENTATIVE ( S ) REQUESTED OUTSIDE CREDIT CARD INFORMATION, WHICH THEN HAD TO BE CANCELLED DUE TO FRUAD, BROUGHT ON BY CITI BANK 'S REPRESENTATIVE ( S ) MISUSE. DESPITE OBTAINING THAT CREDIT CARD INFORMATION, " THE REPRESENTATIVE ( XXXX ) WAS UNABLE TO VERIFY THE ACCOUNT AND WOULD BE SENDING A LETTER BY MAIL IN 7-10 BUSINESS DAYS ). AGAIN, ALL WHILE HAVING NO ABILITY TO USE MY CARD, OR COMPLETE THE BALANCE TRANSFER ( S ). I HAVE BEEN LIED TO SINCE OPENING THIS ACCOUNT, I HAVE BEEN DISCRIMINATED AGAINST BASED ON MY XXXX, AND WILL BE SUBMITTING A COMPLAINT TO THE OFFICE OF CIVIL RIGHTS OF THE UNITED STATES OF AMERICA. MY ACCOUNT REMAINS UNUSABLE. MY CREDIT SCORE HAS BEEN NEGATIVELY IMPACTED BY OPENING THIS ACCOUNT, FOR WHICH I AM UNABLE TO USE.
Product: Checking or savings account

I spoke with a representative at TD Bank approximately 3 weeks ago in regards to receiving a refund from XXXX XXXX. I was told since the account had been closed that it would have been returned to XXXX XXXX. Remind you this was a refund of multiple payments that totaled {$750.00}. I spoke with XXXX XXXX and they assured me that no payments had been returned. I called TD bank today XXXX/XXXX/2020 and the rep today said on XXXX XXXX 2020 they received a refund of {$750.00} even though my account has been charged off and sent to collections since XXXX/2020. Im not understanding that if my account was closed and charged off why was the refund accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. I sent in lettres to the credit bureaus on XX/XX/21 and I still haven't heard back from them. I've included the letter as an attachment. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've filed a FTC report for a second because of this, and I really don't want to have to escalate it even more. Please delete these inquiries from my report immediately, or I will have to file for litigation. 

I've included my ID, SS Card, and proof of address to this submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at wits end with the credit bureaus- especially experian. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact experian. I have called, sent letters, filed complaints with cfpb, filed complaints with XXXX. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access experian. I had a new credit card get cancelled by experian without contacting me first. Experian assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are Experian XXXX, XXXX  XXXX then XXXX, XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information. I previously sent letters to Equifax and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681 ( a ) -Congressional findings and statement of purpose and 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports, XXXX XXXX XXXX had no written authorization from I, the consumer to provide my private information to any third party affiliates. XXXX, XXXX, and Experian are all third party affiliates. Per XXXX XXXX Financial Terms and Conditions, listed under " Other terms and conditions '', it states in " Information Sharing '' that they may release information in their records regarding me and my credit account. Also under " Our liability to you '' it states that they will meet their duty to to care for my credit account ( XXXX ) under reasonable banking procedures which they have failed to do. 

In their Privacy Notice it clearly states that their affiliates include financial companies such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, not Experian, XXXX, or XXXX. It also states that companies not related by common ownership or control. They can be financial and nonfinancial companies. 

Under 15 U.S.C. 6805, you are required to ENFORCE the Privacy Act of XXXX 
15 USC 1681-Fair Credit Reporting Act, I the consumer have been violated by XXXX XXXX XXXX . I have been emotionally damaged, humiliated, and have been suffering tremendously in pain.
Product: Debt collection

Monterey financial is claiming I owe a debt to XXXX XXXX. I never received original communication from this company and was not notified I had thirty days to dispute as they are claiming I did. I received a response back from them after I requested debt validation and was told I had thirty days to dispute but again I never received the original notice. I sent a certified letter on XX/XX/2020 and at this time I received some documents. I requested verification a few months ago also. My main complaint is not receiving the original documentation within thirty days to dispute the debt. The company and this collection agency have the same address and work hand and hand so this is bogus and I want it removed from my credit! The original amount of debt they claim was owed is XXXX but the amount now owed is XXXX. The document that was sent does not have my signature. 

Monterey collections XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit card or prepaid card

I was scammed in to purchasing gift cards with my XXXX. I made the credit card purchase willingly, however it was under the false advisement of somebody claiming to be XXXX. On XX/XX/2022 I spent a total of {$5000.00} on gift cards. My bank advised I can not dispute the charges because I made the purchases willingly.
Product: Debt collection

Credit Management Services contacted me regarding a hospital bill in XXXX XXXX XXXX Kansas which I have never been a client at or used services at, asked for verification of debt, the collection agency sent me the name & address of the hospital as " proof '' of the debt & said they considered that verification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BankruptcyXXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX XXXX  XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment Status shows " Paid as Agreed '' but in Experian appears " 30 Days Late '' and according to [ 15 U.S.C Section 1681-a ] its a FCRA violation. Please remove this inaccurate account from my credit report.
Product: Checking or savings account

I open and account with Bank of America and they locked my account up a year go saying my check business name didnt match Bank of America switched the name of the account I open my business account in XXXX XXXX and they switched it to XXXX XXXX and now my account has been closed a whole year
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint : XXXX I was contacted by XXXX from an individual that identified as from 'office of the president '. Inappropriate and insufficient statements were said that were recorded. They indicated they are marking this concern as resolved despite not addressing any of the complaints discussed in previous complaint. 

1. In correspondence on XX/XX/XXXX to customer support I specifically want them to respond to the fact that their employee provided false information to undersigned about the companies ability to correct credit reporting. This was not addressed and seems to have been selectively avoided. 

2. Further, the credit account was closed inappropriately. In my contact from individual today, they asserted that in the phone conversation that she alleges listening to said that I specifically requested the account be closed. This is false to facts, as I informed her and she only replied that the transcript of conversation would not be included in report to CFPB and that it would have to be subpoena 'd to be objectively examined. This is line with the possibility that this bank is attempting to conceal incriminating information as to their malfeasance and discriminatory behavior towards myself. 
: Further I suspect there is a protocol and dialogue which requires express agreement before account closure which was not completed. This can be shown if transcript is acquired. 

3. In phone conversation today the individual identified from XXXX did not propose any ACTUAL DATA to disprove my claim that I did not receive email notification of account balance. 

4. Also the fact that my specific correspondance sent to the 'office of the president ' that had been returned AFTER being opened - yet being contacted by office of the president : there is no account as to why it was seemingly subjectively refused and returned to sender AFTER they viewed the contents. This also seems to be an unethical/illegal act. 


XXXX 's handling of this incident is very concerning and I will be contacting local media to convey this anecdotal experience to raise awareness to other consumers as to the unacceptable business practices of barlcays.
Product: Credit reporting, credit repair services, or other personal consumer reports

TheBUREAUS ( OriginalCreditor:XXXX ) Acct # XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Product: Credit card or prepaid card

Ive requested in several places that Synchrony Bank close my account yet the refuse. Attached is the letter I sent today. They MUST stop disregarding my request. Id never be a valued customer of any company that steals from me. Yes they have by disregarding a valid complaint forcing me to pay a dentist who did nothing but produce a bogus treatment plan of over {$10000.00}. UNBELIEVABLE!! Good riddance Synchrony Bank. This very unfortunate experience forced me to read online horror stories, and its clear your lack of integrity in this case has saved me from future pain. GE Capital is who you really are, and you are still engaged in the same filthy dirty behavior.
Product: Student loan

I believe my student loan status have been breached. I believe my principal balance and interest is incorrect.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I had contacted the company that held the loan XXXX XXXX and was told to contact transunion and XXXX XXXX neither company resolved this issue. After the investigation was complete their data was still wrong and shows a debt of XXXX which hasnt been paid in for XXXX  days. The loan was bought out by another dealership as I purchased a new car. The loan is no longer under my responsibility and was paid off by the dealership.
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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

T

his is a simple installment personal loan. They are charging daily interest as might be expected. But when you check the history on the loan their interest calculations are seemingly random amounts. Interest rate was 16.24 % on a {$50000.00} loan. With over 3 years of payments I still owe {$39000.00} any amortization schedule will show you something is clearly wrong with their math. In one case this year it shows only {$63.00} to Principal and the payment before or after that one was $ 500+ applied to principal. Essentially the problem has been they shift due dates, if 2 payments are made in a calendar month they do not consider it the next months payment. The biggest problem however has been getting anyone from the company to actually take me seriously as a customer. They just belittle their customers and will not explain anything about their interest or processes. It seems they shift due dates to try to get late payments or to get extra daily interest charges. I have a similar loan with similar terms and I have paid quite a bit more off the balance in the same time frame. They have excessively used number spoofing to call my cell. In general this has been one of the worst companies I have ever dealt with.