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

Dear Consumer Protection Agency, I am writing to express my concern regarding a significant issue within the credit reporting system that adversely affects consumers. Specifically, there exists a pronounced lag between the time a debt payment is made and cleared, and when this update is reflected on consumers credit reports. This delay, often spanning two to three months, has a profound impact on credit scores, leading to unfair consequences such as inflated interest rates and restricted access to credit during this lag period.

Issue at Hand When consumers pay down their debts, their intention is to improve their financial standing and, by extension, their credit scores. However, the current reporting framework creates a systemic delay. Credit bureaus rely on periodic updates from creditors, which may only occur once per billing cycle or longer. During this time, consumers credit scores remain artificially low, inaccurately reflecting their improved financial behavior. This disparity not only undermines trust in the credit scoring system but also imposes significant financial burdens on borrowers who are subjected to higher interest rates or even denied credit altogether based on outdated information. 

For instance, if an individual reduces their credit utilizationa major factor in credit scoringit can take months before their score reflects this positive change. In the interim, their ability to secure affordable financing or qualify for essential loans is hindered. Such lags disproportionately affect those striving to improve their credit standing, creating a cycle of disadvantage that could otherwise be avoided with more timely updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/2021 I asked for a balance transfer to Bank of America ( BankAmericard ) to pay off another credit card, and they gave me a credit limit of {$2000.00} that was much lower than the amount I have asked. On XX/XX/2021 Bank of America made the payment of {$1900.00} to my credit card without notified me. Because Bank of America did not give me the amount requested for I couldn't payoff my credit card. I called Bank of America and asked them to cancel the balance transfer requested. Their associate named XXXX from Texas was told me that was impossible to cancel because was made a eletronic payment. I think it is not fear because I received a letter with a card for activation, that I never did, and credit card agreement letter, credit score ( I have XXXX ) letter, and account summary table letter after they make a payment. The letters they sent to me did not have a datest Now the Bank of America wants I pay them the amount, refusing to cancel the balance transfer against my will. What can I do now? I am obligated to have this credit card against my will? This financial companies will win all the time against the american people?
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX XXXX has yet to respond to my demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out via mail and phone to the company and received no response. 

The company 's listed contact information on my credit file is Contact XXXX XXXX  XXXX XXXX, UT XXXX ( XXXX ) XXXX However, They do not respond to any mailed correspondence and the listed phone number is a non working number. 

This account is fraudulent and needs to be removed from my file asap.
Product: Debt collection

Reviewing my credit report, I found accounts I never consented to. I ask that these fraudulent accounts be immediately removed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, a report on my credit appeared On my XXXX XXXX   app about a loan I never received nor even applied for. I immediately disputed it and it was not removed. After numerous attempts to dispute and not clearing it, I called the company who supposedly issued the loan and made no progress over the phone regarding whats happening.
Product: Checking or savings account

I disputed a total of 3 unauthorized transactions with Chime. I have provided Chime supporting documentation and evidence which demonstrates the 3 transactions are unauthorized transactions. Yet, Chime has not provided credits for the unauthorized transactions. I filed a police report with XXXX Police Department for all 3 unauthorized transactions and provided the police reports to Chime. 

On XX/XX/XXXX, an unauthorized transaction in the amount of {$200.00} was sent via apple pay to phone number : XXXX. 
I contacted the phone number and asked for the money to be sent back to me as it was sent without my permission. I did not receive a response. XXXX XXXX report # XXXX. 

On XX/XX/XXXX, an unauthorized transaction in the amount of {$300.00} was sent via apple pay to phone number : XXXX. 
I contacted the phone number and asked for the money to be sent back to me as it was sent without my permission. The lady who answered the phone refused to send the money back. I reported the unauthorized transaction to Chime however Chime denied the request to credit the funds back to my account. I am requesting for Chime to immediately provide credit for the unauthorized transaction and resolve the claim in my favor as I have provided adequate evidence and will include supporting documentation to the CFPB complaint. XXXX XXXX report # XXXX. 

On XX/XX/XXXX, An unauthorized transaction in the amount of {$300.00} was sent via XXXX to username : $ XXXX. I sent a request to the XXXX user to return the funds and the user declined the request. On the user 's profile the following phone number is stated : XXXX. XXXX XXXX report # XXXX. 

All three unauthorized transactions were deducted from my Chime Checking Account. Thus, I am requesting an immediate credit to my Chime Checking Account for the specified three unauthorized transactions which are detailed above.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report my personal identifying information incorrectly and refuses to correct it, despite my repeated requests. More specifically, TransUnion is reporting my social security number incorrectly. I have been trying to correct this error with TransUnion for more than a year, to no avail. I have sent TransUnion a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however TransUnion continues to send the same letter indicating that they will not correct the information due to reporting from XXXX XXXX. I then reached out to XXXX XXXX regarding the trade line they are reporting on my credit profiles. XXXX XXXX continues to indicate that they are not reporting the incorrect information that TransUnion alleges and they do not understand why TransUnion is reporting the information incorrectly. TransUnion is the only CRA reporting my social security number incorrectly. Both XXXX  and XXXX have my social security number listed correctly ( see attached ). TransUnion is out of compliance with the law. Its willful noncompliance has been a major financial hardship in my life as I have been denied lines of credit, housing, insurance, and other consumer products due to the unmatched social security number. TransUnion refuses to complete a real investigation and properly verify my personal information as required under FCRA. They have sent the same letter in response to my request for correction on two separate occasions ( first on XX/XX/XXXX and again on XX/XX/XXXX ). I have continued to call XXXX XXXX, to no avail. They report that they have not provided the incorrect social security number that TransUnion is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried disputing this issue with XXXXXXXX XXXX management via phone and via Experian, XXXX and XXXX. XXXX has removed the record for fraud. This issue is regarding a fraudulent amount I have no knowledge of from summer XX/XX/XXXX that was sold and place for collection by the company XXXX XXXX which NO LONGER EXISTS AS OF XX/XX/XXXX, and was set for collection in XX/XX/XXXX. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 

Account name : # ( acct # ), list all accounts and acct # s, has violating my rights. 

15 u.s.c 1681 section 602 a. States I have the right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

re : XXXX account # XXXX ... XXXX letter dated XX/XX/XXXX from synchrony bank states the company is unable to delete status when the account itself was referred to XXXX XXXX XXXX XXXX as a collection agent. The account was satisfied with written correspondence form XXXX dated XX/XX/XXXX. XXXX credit report states ( charged off as bad debt )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a company named Fair Collections & Outsourcing claimed I owe them {$15000.00} and it was added to all 3 of my major credit reports. XXXX, XXXX, & XXXX. They claim is it debt from past due rent. This is false. Ive never been late or delinquent with rent in my life. I filed a dispute with the 3 bureaus listed above and they did not remove this fraud. Please help
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX - XXXX - XX/XX/year> - {$7200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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 in their platform leaving my account vulnerable and unprotected. Furthermore there dispute resolution process was unfair and deceptive and they did not comply with error resolution requirement under the Electronic funds transfer act ( EFTA ) and regulation e. These acts caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I keep getting text messages from the number XXXX from someone claiming to be from Spring Oaks Capitol LLC. They want me to contact them at XXXX regarding an XXXX XXXX by XXXX XXXX 

I have never done business with nor even heard of XXXXXXXX XXXX There is no such entry for this credit card account on my credit bureau either.

I believe this is a spammer and have repotted them to the DoNotCall and the FTC in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX XXXX XXXX XXXX Account XXXX. 
This account is found on my XXXX XXXX Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX  this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either. The other two credit bureaus, XXXX  and Experian have removed this account, with prejudice, from my credit report. 

A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that XXXX XXXX reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.
Product: Mortgage

Dear Consumer Financial Protection Bureau, Please help I am about to lose my home because SN Servicing CorporationXXXX XXXX phone # XXXX ext. XXXX - XXXX  who refuses to provide me with a payoff statement in order for me to sell my home, it is over 2 weeks since I requested for a copy and all they do is keep lying to me stating that they need to gather information. 
Now I have a foreclosure sale date set for XX/XX/2017. 

I was forced to place my home on the market to avoid foreclosure because SN Servicing CorporationXXXX XXXX claims that my original balance went from {$39000.00} to {$80000.00} within 6 months. 

Now I have no choice to sell my home because SN Servicing Corporation/XXXX XXXX keeps manipulating the balance that way the sell of my home does n't go thru. 


This seems to me that SN Servicing CorporationXXXX XXXX is delaying this on purpose to foreclose on my home. I have done everything that they requested and its not fair to me and my family to be treated this way. 

We have a foreclosure sale date coming up on XX/XX/2017 and SN Servicing CorporationXXXX XXXX looks like all they want to do is taking advantage of my situation. 

I requested for a manager and she tells me that she is out on vacation and wont be back until the end of the year. 

Please help!!!! 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

Hello My name is XXXX XXXX BOD XXXXXX/XX/XXXX XXXX XX/XX/XXXX My family and I were trying to obtain a Mortgage and were denied because of information that is not true on my credit report. XXXX XXXX XXXX XXXX XXXX has information of an eviction : XX/XX/XXXX record number XXXX File number XXXX XX/XX/XXXX:XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX civil DISMISSAL with no money or balance owed XXXX XXXX XXXX XXXX XXXX this company does not exist but is on my credit. <P/>I have even called XXXX XXXX County XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX General District Courts XXXX XXXX XXXX and the Attorney General office stated there are no balance and these items should not be on my credit report. <P/><P/><P/><P/>These allegations and judgements are lessing our chances of obtaining financing to purchase a home. as we all know how hard times are to buy a home in this day and age. <P/>These records were obtain by XXXX XXXX # application XXXXXX/XX/XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a credit card on or about XXXX for a credit card with a XXXX $ limit. I submitted my consumer credit application signed all necessary documents given and signed and submitted my promissory note for acceptance. Avant accepted my application and note issued a line of credit and also ran my credit for a hard inquiry. Within a week i get an email promoting me to give a call to a representative for no exclaimed reason. A few days later i get another email that headers notice of adverse action. in this letter it explains if i wanted an explanation as to why the account was adversely affected i would have to call in for an explanation. On XXXX I called into customer service for an explanation the representative explained she couldn't tell me why the card was blocked and that i would still have a hard inquiry on my credit report. This lowers my appeal to new lenders and affects my ability to get new credit. I was never given reason as to why my credit line was blocked/ or adversely affected. That is a violation under 1681b ( 3 ) ( f ) ( i ) permissible purpose for procuring a credit report with no equity. this transaction wasn't equitable to me the consumer. 12cfr 1002.4 i was also discriminated against.
Product: Debt collection

I received in the mail a letter to collect {$690.00} in debt. Does not explain where the debt is coming from and I've had no other warnings or idea about this debt prior.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I purchased a engine for {$1900.00} from XXXX XXXX XXXX. I never received my purchase so on XX/XX/XXXX I filed a dispute with RELIA CARD US BANK AND THE INFORMED ME IT WAS A 120 day process I called frequently to check the status I even sent them invoices proving my case in XX/XX/XXXX so on one of the calls to cardholder sevices on XXXX XXXX I learn I was granted permanent credit on XX/XX/XXXX but the funds never hit my account so the representative on the call Escalated my first ticket advising me to call back in 24 hours so I called back on XX/XX/XXXX and they said it was no update and the did a second escalation ticket that would take 3-5 days when I called back still no answers on where my funds are and whats going on I also learned I was supposed to receive a letter correspondence saying my issue was resolved and I would get my funds but they keep promising the letter but it has yet to be sent out PLEASE HELP I REALLY CANT BELIEVE THEY HAVE GIVEN ME MISINFORMATION FOR 5 months and still leading me on after I WAS GRANTED THE CREDIT ... THEY KNOW IT NEVER CAME TO MY ACCOUNT THEY REFUSE TO ACTUALLY HELP THEY JUST TRANSFER THE CALL TO A DEAD LINE OR ANOTHER PERSON WITH MISINFORMATION PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed untauthorized account on report. someone used my info to open account with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 
Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX Card, Account Name : XXXX Bank, Account Name : XXXX, Account Name : XXXX Data, Account Name : Capital XXXX, Account Name : XXXX DEPARTMENT OF EDUCATION, Account Name, XXXX XXXX