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

I. Introduction : I hereby submit a formal complaint against TransUnion for racial discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws.

III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company.

IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344.

Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. 
RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968.

V. Racial Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. 

VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice.

VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. 

VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations.

IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies.

I anticipate your prompt attention to this grave matter.
Product: Credit card or prepaid card

I attempted to cancel my credit card account with CitiBank. After spending XXXX minutes on the phone with the company, and confirmation from the company that my account is cancelled, I received a email that they have opened up a new account in my name. I did not authorize this. I believe that my account is cancelled now that I called them back. However I wish to ensure this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I paid XXXX XXXX  a total of {$290.00} on my XXXX  credit card onXX/XX/XXXX {$99.00}, XX/XX/XXXX {$99.00} andXX/XX/XXXX {$99.00}. I noticed that no progress was being made regarding to the services said company promised.
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

I reapplied for my income driven repayment plan on XX/XX/XXXX. As part of the application, I was asked whether I wanted to renew my existing plan or to apply for the lowest payment plan. I selected the latter, and the XXXX website indicated that I would be contacted by XX/XX/XXXX regarding my application. This did not, and as of XX/XX/XXXX has not, occurred. 

In mid-XX/XX/XXXX I received a bill for the full amount of my payment. After three calls to XXXX, one on XX/XX/XXXX and two more on XX/XX/XXXX, I learned that because I had selected the lowest payment option, I needed to make a qualifying exit payment before my IDR  application would be processed. Although the qualifying exit payment could be reduced to XXXX dollars, it was then too late to process the request for XX/XX/XXXX. Thus, I forced to go into forbearance for XX/XX/XXXX, and make the exit payment in XX/XX/XXXX. As part of this process, I was instructed that I should suspend automatic payments, which I did. I telephoned XXXX again on XX/XX/XXXX to confirm that there would be no further problems. 

At first, it appeared that the problems had indeed been resolved. I received the expected bill of XXXX dollars for XX/XX/XXXX. Since my automatic payments were suspended, I made the payment manually. Unfortunately, there was some problem with the bank, the exact nature of which has not been explained to me, and the payment had been rejected. Thus, on XX/XX/XXXX, I called XXXX yet again and made the payment. The XXXX representative also told me that my IDR  application would be processed in approximately twenty days. 

One week later, on XX/XX/XXXX, I received an email informing me that my loan application could not be processed, and that a letter would be sent with further details. As I was traveling, I was not able to call regarding this new issue. One day afterwards, this morning, I received another email informing me that my application has expired because, quote, we needed additional information from you to fully process your request, unquote. 

This statement is completely and unequivocally false. At no point in the past three months has XXXX requested any additional documentation or information, despite no less than five separate phone calls to their office. Indeed, XXXX representatives told me, repeatedly, that the delay in processing my application was solely the result of the need for the exit payment. XXXX representatives also told me, repeatedly, that the processing of the application would not even begin until the exit payment was made. That payment occurred on XX/XX/XXXX. There is no possibility that they required additional information prior to that date. 

As a result of XXXX 's incompetence, I have lost qualifying PSLF payment periods, for XX/XX/XXXX and XX/XX/XXXX. I have no doubt that I will also be forced to go into forbearance in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct these accounts : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00}
Product: Prepaid card

My Paypal prepaid card was stolen and funds were fraudulently taken from my account. I immediately contacted Paypal and filed a dispute with them on XX/XX/year>. I got a notification that I wouldn't get an update for 30 days about my claim, so I would have to wait to even see if my funds could be recovered. I expedited a replacement card and was charged {$25.00} but I never received my card. Now I have been blocked online access and got an email to contact them. I am requesting this claim and situation be governed for constructive fraud due to the tactics used by this company only after a claim was filed.
Product: Checking or savings account

i dont have any acount or any XXXX  with this acunt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Product: Mortgage

Trying to refinance my home loan with Loan Depot. Original contractor is trying to over bill me for services not completed. Loan Depot said there is nothing they can do and my home mortgage being able to re-finance can not be completed until contractor signs off on work payment. Its been since XX/XX/2018 no work has been done on my property and contractor left on his own. Did not finish job. I am being charged 5.5 % interest and could have re-financed long time ago at 3.5 % saving me almost 7200.00 per year in interest. Bank refuses to let me re-finance my property as in the contract. How long can the contractor hold my house hostage.
Product: Checking or savings account

I received an e-mail from Citibank on XX/XX/2021, that indicated : Your Citi account ( s ) will automatically close within 60 days Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your Access Account account, we found that you have violated the terms of your account per the client manual. I called Citibank on XX/XX/2021, and asked why my account was closed. The Citibank account supervisor from the Client Relation Unit indicated XXXX XXXX said the personal check deposited into my Citibank checking account was reported as a stolen check and Im a XXXX XXXX. I then called XXXX XXXX. XXXX XXXX indicated Citibanks position is incorrect. XXXX XXXX confirmed they honored the check ; I have sufficient funds ; the check is not stolen ; my checking account ending in XXXX is open and in good standing. I then conferenced call XXXX XXXX and Citibank at the same time. Citibank said they would research further and if my personal check is good and not stolen, they will NOT close my account. XXXX XXXX will mail me an account verification letter on their letterhead proving my account is open with sufficient funds. I am very upset with Citibank closing my checking account due to no fault of my own during a deadly pandemic when I need access to my money. I plan on retaining a consumer law attorney to file suit against Citibank. I look forward to arbitrating this matter. Criminal and civil claims will be pursued.
Product: Credit card or prepaid card

On XXXX-18 I contact discover to set up a check for {$220.00} with my account with XXXX. I contacted Discover on XXXX-18 advising them that they could pull the check and run it that day and that I had closed my XXXX account and provided them with my new checking account. 

Discover then processed the {$220.00} twice. Once from the XXXX account and again from the new account. I contact Discover and spoke with XXXX XXXX on XXXX-18 at XXXX XXXX. She advised that although I did tell them that the account was closed and the rep should have transferred the call to their supervisor it was not their issue for running the check because I only said the account was closed instead of pull the check and that this was not their fault because the rep was using a different computer system. 

This is a blatant breach of both federal and state law. I want the U.S. Attorney 's office to investigate Discover for possible criminal charges and for Discover to pay damages for their negligence.
Product: Money transfer, virtual currency, or money service

I purchased a prepaid gift card and had it loaded with {$100.00} on XX/XX/XXXX which I then transferred the {$100.00} dollars to my Cash App account and it posted and cleared immediately. Since the transfer cleared and it was a gift card I disposed of the card. I then used the funds on various payments. I have never had a negative balance on cash app and wasnt aware a negative balance was even possible. On XX/XX/XXXX over a months time since i successfully added that {$100.00} from the gift card my balance is still not negative. I then receive an {$80.00} payment from a friend and my balance then read XXXX XXXXXXXX. I began searching for a reason why because it says I received the {$80.00} payment and I had a positive balance immediately prior to the payment. It took me two days of searching the app during my free time to come up with no answer. The next day I noticed a new transaction listed from XX/XX/XXXX that read '' {$100.00} failed! " right below the {$80.00} payment my friend had sent me on XX/XX/XXXX The app does not provide a transaction balance sheet for users to reference noti and it is difficult to locate statements because you need a XXXX and then they only tell you the balance at the beginning of the month and the balance at the end of the month and give a list of transactions They do not provide a balance after each transaction to inform a consumer of the cost of the transaction and what the balance is post transaction that would keep the consumer informed and able to identify issues. I have now spent the week going back and forth with customer service about this transaction. They say they cant help me as the payment I made over a month ago was now being disputed by the bank and I need to conItact the bank. Which isnt possible because i disposed of the gift card after the transfer to my Cash app account cleared and did not know the financial issuer or card number that was on it. I wasnt aware it was possible especially after a months time to unpost a gift card transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authting on my Credit Reports : XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. XXXX the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third dispute with Experian and XXXX regarding the deletion of the Bankruptcy reporting ( case number XXXX with a case filing date of XX/XX/XXXX and close date of XX/XX/XXXX the New York Federal Bankruptcy Court XXXX XXXX XXXX XXXX In addition to the investigations going well beyond the required 30 days. 

XXXX correctly deleted the reporting because it was unverifiable with the original vendor. However, despite providing evidence in the form of a letter from the Bankruptcy court that they do not report to the credit bureaus. Experian and XXXX have not deleted the reporting and are in violation of the FCRA. Experian and XXXX did not and have not provided proof of who they verified the account i.e. the original vendor being the New York Federal Bankruptcy Court XXXX XXXX or a third-party vendor. 

Therefore, this is grounds for the deletion of the reporting. Please hold them accountable for this violation and instruct them to delete the reporting. immediately.
Product: Credit card

Chase Bank closed my account. I do not want to do any business with them as I am free to close my account and decide who to partner with, not them. After my account was closed, Chase started charging me fees for getting it closed. These fees are not legal under any jurisdiction, and should be removed from my account ASAP. The total fees Chase scammers charged me is {$42.00}. They have to crddit my account to that amount in order to balance it. Otherwise, they will get into a lot of trouble.
Product: Credit reporting

I first rec 'd a statement from both XXXX XXXX and XXXX XXXX stating that my owned balance was {$580.00} ... statement date XXXX/XXXX/15 from Crossing at XXXX and XXXX/XXXX/15 from XXXX XXXX ... Now they ( XXXX XXXX ) saying that the balance is {$640.00} which is a difference of {$59.00} ... No explanation given at all. 
How is it that I receive XXXX statement and then turned over to collection less than 4 days later? The problem is that I was never given a chance to review, confirm or dispute their charges ... What happened to the 30 days I am allowed to dispute or pay and the other statements I should have rec 'd from Crossing at XXXX ( XXXX XXXX XXXX which is owned XXXX XXXX XXXX XXXX? The 30 days was allowed in the letter dated XXXX/XXXX/15 but not extend to me and now being asked to pay a different amount than from the beginning ...
Product: Checking or savings account

I have several fraudulent transactions on both my personal and business accounts with Bank of America. 

I got a text alert saying that there was unusual activity on my debit card. I then went to grab my wallet which I realized was missing. 

I immediately called Bank of America to report the issue. I find it weird that I got a text notification about my personal account but not for my business account. I hope they can fix this, that text notification allowed me to contact my bank and get the card cancelled immediately before any further fraudulent transactions took place. 

My only worry at this point is that my bank account is almost drained, I dont know how to run my business or pay my bills with less than {$300.00}! This is a nerve wrecking time for me, I dont want to close my business. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated Experian and XXXX  as agreed but did not update XXXX. Instead, a late payment for XX/XX/XXXX was added to my XXXX report. This was impossible because because the account closed in XX/XX/XXXX. 

I sent them several emails requesting that XXXX be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my experian report and the late payment for XX/XX/XXXX was still showing on my XXXX report. 

I called again and no one would help me. I sent another email and received no response
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  concerning a persistent error they have been reporting on my credit report over the past four months. Despite acknowledging this error in writing and apologizing, XXXX XXXX continues to re-report it, which is significantly impacting my credit score I first discovered the error on XX/XX/2023 when reviewing my credit report. 
I immediately contacted XXXX XXXX  via Email on XX/XX/2023 to report the error and requested its correction. XXXX XXXX responded and acknowledged the error, apologizing for the inconvenience caused. Despite their acknowledgment and promises to correct the error, XXXX XXXX has continued to re-report the same error on my credit report in subsequent months, most recently XX/XX/2023. The consistent re-reporting of this error has had a detrimental effect on my XXXX XXXX, leading to a constant denial of Credit and very high interest rates I have attached copies of all relevant correspondence with XXXX XXXX, including their written acknowledgment of the error. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure XXXX XXXX ceases the re-reporting of this error and corrects my credit report in a timely manner. I also request that they be held accountable for any damage to my credit caused by this persistent error. 

Please let me know if you require any additional information or documentation to address this issue promptly. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX