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

XX/XX/2023 my credit score with Transunion was XXXX, XX/XX/XXXX my score was reduced to XXXX a XXXX point drop. In the mean time no payments were missed, 10 year loan paid off in 13 months. Looking at what changed there were 4 changes to my Transunion account 1. XXXX XXXXXXXX acc count increased from {$0.00} dollars to {$75.00} dollars ( which was paid off ) XXXX. XXXX XXXX  XXXX was paid in full and the account was closed ( Better than expected is what the bank stated about my payment history. 
3.As reflected I n bullet 3 the XXXX XXXX  XXXX account was closed 4. Between XXXX XXXX XXXX and XXXX XXXX, XXXX  the following remark was added to this account 'Closed '' Still my credit score dropped. 

I called TransUnion on XX/XX/2023 @ XXXX XXXX  I spoke with a representative who introduced himself as XXXX, and he stated the following -My mortgage was high.was a reasonable reason- XXXX XXXX XXXX account was closed. 

I stated that this conversation was recorded and that those reasons made no sense. 

XX/XX/2023 I went the the XXXX account to pay that month 's Mortgage, I initiated the payment however I forgot to authorize it. The next month I saw that my credit score had dropped XXXX points, I could not imagine why because at that time I had never missed any payment or had been late for any payment I owed in more than 15 years. 
I think TransUnion has been a little over zealous in I feel incorrectly compute my score. 

Everyl payments to all of my creditors has been paid on time, utilization is well below 10 % and with all of this effort TransUnion scores continues to rate my activities lower and much different than the other credit reporting a agency. A year ago my credit score was XXXX and my credit behavior and responsibilities had been exemplary I am requesting and investigation and an explanation of the standing of. my account.
Product: Checking or savings account

I deposited a check payable to two parties, both of whom properly received and endorsed said check for deposit. Citibank said they received notice the check was not good but would not provide information to back up their claim that is was not paid. I provided notice that said check was already paid by issuing bank.
Product: Credit card

I am contacting your agency because I need your help in disputing some charges done on my XXXX XXXX XXXX XXXX XXXX credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$6100.00} done on my card by XXXX XXXX XXXX XXXX charged on XXXX/XXXX/2015. They contacted me by an unsolicited telemarketing phone call.The XXXX XXXX XXXX contacted me by an unsolicited phone call according to them they got referred from XXXX XXXX another company that I was working with at the time. They said their work would implement the work that XXXX XXXX was doing for me. Supposedly leads and visitors to website. I never got any results of their work. It was really hard to contact someone .I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
Product: Credit reporting

Equifax will not get XXXX60 more days, they have till the end of the business day Monday to block the information that was submitted in my affidavit due to the fact that my affidavit was not rejected and the FTC states that if they did not reject it then they have 4 days to block the information. Equifax has 3 months so far to investigate and it is obvious that they have not followed the law.
Product: Bank account or service

I have a Business Debit card with Banco Popular NA and somehow money was taken out of my account using ATM machines in other areas of NY ( XXXX and XXXX ) for XXXX day totaling about XXXX. I never lost the card I still have it and the bank tells me i might get my money back but as of now no credit. I saw online that after XXXX days I am supposed to be given a CRedit untill the investigation is complete. Please help me.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of debt Bondage which falls under trafficking debt bondage final rule 1002.142 ( b ) ( 4 ) ( 5 ) 1002.142 ( b ) ( 7 ). My name is XXXX XXXX I was born XX/XX/year> my last XXXX of my social security is XXXX. I would like for the info listed to be BLOCKED AND DELETED from the XXXX credit agencies XXXX EQUIFAX AND XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX nj XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Illinois XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My XXXX score went up after reducing overall debt on XX/XX/XXXX. Equifax did not reflect this.
Product: Debt collection

My daughter had an accident a small finder bender, in XXXX XXXX the police got a report. Later the driver sent a letters of harrassment on his back, neck, missing days and the list goes on and on. It was turned over to XXXX ... I PAID THEM ... it was closed ... Later get letter from XXXX debt for XXXX ... REALLY ... for the amount I PAID XXXX 1000.00. NOW this company is harrassing for XXXX really ... ALL THIS CALLING, RUDENESS. THIS COMPANY HAS COMPLAINTS, COMPLAINTS ... I AM BEING DRAINED
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in ( XXXX XXXX XXXX ) to be removed. 

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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Advantage Credit regarding an unauthorized credit inquiry made on my credit report, dated XX/XX/year>, as reflected on my XXXX, XXXX, and XXXX credit reports. I did not authorize this inquiry, and I believe it is inaccurate and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Advantage Credit, requesting they provide proof that this inquiry complies with federal law, specifically the permissible purpose provision outlined in the FCRA. According to the FCRA, a company must have a permissible purpose and authorization to conduct a credit inquiry. 
In response to my dispute, Advantage Credit informed me that I should contact XXXX XXXX XXXX XXXX regarding the inquiry. This response is unacceptable as my initial dispute was directed at Advantage Credit, the company responsible for placing the inquiry on my credit report. It is their obligation to verify and demonstrate that the inquiry was conducted with my authorization and for a permissible purpose. 
I feel that my consumer rights have been violated, as I did not authorize this inquiry. The presence of this unauthorized inquiry negatively impacts my credit profile and may have caused harm to my credit score.
Product: Credit card or prepaid card

I received a bill in the mail for a milestone credit card from genesis fs card services ( account ending in XXXX ). I did not apply for this card. I have not received this card and I don't want this card. Bill date I received was XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information related to an account with Revvi/XXXX XXXX from my credit report. The details of the account are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my efforts to resolve this matter directly with Revvi/XXXX XXXX XXXX including multiple emails, phone calls, and formal requests for account closure, I did not receive any response, and the account was not properly closed. Consequently, incorrect charges and fees have been reported on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of inaccurate or incomplete information from my credit report. Specifically, Section 611 ( a ) ( 1 ) of the FCRA mandates that a credit reporting agency must investigate any disputed information and correct or remove any inaccuracies found.

In light of the unresolved issues and the inaccuracies reported, I request the following actions : Immediate Removal : Please remove all information related to the account with RevviXXXX XXXX  XXXX my credit report. 
Confirmation : Provide written confirmation of the removal and update my credit report accordingly. 
I am including copies of my correspondence with Revvi/XXXX XXXX and any relevant documentation supporting my request. Should you require additional information or documentation, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report in accordance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revvi/XXXX XXXX
Product: Debt collection

I sent a verification letter XX/XX/XXXX to national credit adjusters regarding a charge on my credit report of {$650.00} and have yet to receive anything back from this company verifying that this is my debt what this debt if for.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

My husband ( the insured ) on my policy issued check XXXX from his XXXX XXXX  Account to pay my insurance premium for the XXXX XXXX XXXX XXXX I own on his life. The check was given directly to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX by me for the annual premium. {$1000.00} was withdrawn from my husbands account permitted by XXXX XXXX  without complete information as can be seen on the check image provided with this complaint. Check XXXX XXXX requires the processing of paper checks to have complete information to identify the transaction date and accounts of the parties Payee/Payer identified. The limited information on the check image indicates that Wells Fargo Bank N.A. is to be the recipient of my annual premium. There is no time stamp of the transaction to substantiate the deposit was made or any other relevant information required to make this transaction legal according to check XXXX XXXX. I expressed my concerns to the NYS Attorney General about the lack of information on the check image. See Wells Fargos response to the NY XXXX where XXXX XXXX states please send the request to the Financial Institution that is servicing the account. Wells Fargo needs to provide the complete information of the transaction by Check XXXX Act so I can be assured that I will not be disenfranchised from my XXXX XXXX policy death benefit should I need to execute it upon the death of my husband due to a hidden transaction into a unknown Wells Fargo N.A. account. Please provide complete details of this transaction in writing or by a complete check image.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed over a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from XXXX that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Product: Debt collection

I have been a victim of multiple data breaches, and now there are collections on my credit reports that does not belong to me. It is damaging my credit. 
According to 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 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. 

Please remove.
Product: Credit card or prepaid card

Mailed Check to XXXX paid for USPS tracking XX/XX/18 Payment mail to correct address. They received payment XX/XX/18 Checked my XXXX Visa on XX/XX/18 no payment! 
Called got a big run around. Checked every other day online & phone calls. Nothing Workers not helpful. 
Call my escrow company they email me a copy of the check-also the check did clear!! 
Email them copies of cleared check front & back on XX/XX/18 ( copy enclosed ) Please review letter dated XX/XX/18 Gave them information needed front the start. 
Now this letter is stating that finish the investigation!! 
What did they investigate? 
You will see from the start I gave them copies of front & back of check. 
Also the escrow have record. 
What up.
Product: Bank account or service

My mother and I were on a CD together at PNC Bank. She unexpectedly passed away in XXXX XX/XX/XXXX. I let the CD roll when it came due in XXXX XX/XX/XXXX since I was unprepared to deal with that after her recent passing. In XXXX of XX/XX/XXXX, as I was trying to close my mom 's estate, I went to the PNC Bank branch in XXXX XXXX, Alabama and provided all necessary documentation to remove her name from the CD. In the course of removing her name, I was then charged a fee of {$40.00} as a " early withdrawal penalty ''. I was told at the time that this was necessary and could not be waived even though I was leaving the funds on deposit with PNC Bank and remaining as a customer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violated 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
Product: Money transfer, virtual currency, or money service

Funds are electronically transferred into. Key Bank checking account on the XXXX of each month. Key Bank posts the fund up to 5 days late if it is aFriday and a Holiday weekend. 
This has generated overdraft fees in XXXX of $ XXXX dollars and in XXXX of $ XXXX
Product: Student loan

I paid {$2200.00} in interest last year. They reported to the government as being just {$900.00}. You can go through my statements and just add the interest. but on the form XXXX it is not correct. Feels like they are trying to pad what they are actually charging people vs what they send to the Gov. So they dont look like they are overcharging interest. <P/>Keep in mind all of my accounts have been current for the past 4 years. I make plenty of money to over pay these loans every month and I do ( XXXX+credit score ). Nothing is late, yet, upon logging into my account and viewing the documents they are sending to me XX/XX/XXXX i got my monthly billXX/XX/XXXX I got a final delinquency notice??? XX/XX/XXXX another document that says 8th delinquency notice??? XX/XX/XXXX Default notice??? XX/XX/XXXX Account adjusted- They decided to change my due dates without any kind of permission or request so that they matched up? the document does not clearly show what they changed and why. <P/>On all the delinquency material it says payment {$0.00} This makes no sense. I 've never gotten a call. I am afraid they have been XXXX me for a long time and I need help. I would be willing to fund anything I need to so this does not continue to happen to people that are not aware. <P/><P/>Any time I email support I get a generic email back with no way to continue a conversation or respond to follow up. I ask a question. They completely ignore it with a generic response and I am left with no solutions. Im not an accountant by any means so there could be and probably is more here that i am not catching. <P/>Interest seems to be calculated wrong. They forced me into all these forbearances years ago, said that i could not do income based repayment when I had almost no income they just called my cosigners and told them they were going to destroy their credit. It really caused a lot of family problems. My aunt decided to listen to them and take forbearances and now i pay 200 % interest over principle every month!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Bonus offer was {$350.00} after deposits of at least XXXX deposited to new savings account. I followed all requirements, this was in early XX/XX/year>, and the bonus amount ( {$350.00} ) would have appeared in my account by the first of XX/XX/year>. The bonus amount never happened and I've called American Express customer service multiple times. The representatives have been nice and attempted to help but in the end it has always been someone will contact me to resolve, that has not happened.
Product: Vehicle loan or lease

I bought a  XXXX    XXXX   XXXX   on  XXXX  of  XXXX . Loan was for  XXXX . I have paid  XXXX  towards it. At first i though what ever i pay extra was going to go to the principle but then i notice i was just ahead of my payments by six months. I talked to the company and told them to fix it two weeks before end of  XXXX   XXXX  and i was  XXXX  i needed to call for the payment to be adjusted. Then i notice only half of what needed to get back was posted witch was  XXXX  out of  XXXX . For month my payments with interes t is  XXXX   is  XXXX  so i called again to question about how the adj was done i was adv that the xtra amounts were to go to the principle on the first place this was the last week of   XXXX   XXXX  , finally i got a breakdown of how they adj. So i decided to save the money and just make the regular payment on   XXXX   XXXX   XXXX  , then i see the post on my acct all the  XXXX  i payed was paid to the interest only. I contacted the company and was adv no payment has been done for 60 days. I requested a supervisor and they say no one was available i have requested a supervisor before but no one calls me back. Now i dont know what else to do. I am very frustrate getting very bad   XXXX    and is affecting my health. Please help what can i do.
Product: Credit reporting or other personal consumer reports

My credit report was improperly targeted due to government corruption.They had a deceased person that was married to another man on my report on person.This person stole my identity and was using it in another state Virginia.This person was affiliated with the Military also and was involved in criminal activity being arrested all over the state of Virginia.I want to know why was it on my Report.Secondly they had the State of Texas Child Support for years when a XXXX crime was committed on a military base involving this alleged XXXXI got all the proof that I was targeted to cover up a crime a civil claim will be coming forth .I dont agree with any adjustments that were supposedly made the damage has been done over several years.You sent XXXX XXXX Sheriffs to my address to harass me because I know the truth.My score has not changed no way no how its still the same.I reject this wholeheartedly and legal action is going to be taken, my Life was ruined to hide. Criminal offense XXXX will be hearing about what happened to me.Im not satisfied and have suffered living in substandard housing due to lies .There was not correction to anything expect hiding this deceased person it was also hidden in my military record and this person was legally married to a man laying in bed with him.Dont send me anything else regarding credit I wont be participating in anything I will be suing everybody that has been identified. 
Sincerely Yours XXXX XXXX XXXX XXXX
Product: Debt collection

Opened accounts this yr, unable to get info on phone or by app. Teller distespectfull, balances hidden and charge 4 overdraft fees over 4 charges that had positive balances XXXX to XXXX only last three, I do not plan on paying they could not treat customer right and insinuate would steal from a safe box, as a CEO at the bank past 6 months, or something about mating it..the ladies are crooks and liers.i want this record erased. XXXX. XXXX died he ran XXXX XXXX  but they say the got him I knew him but I'm not going to be bossed here.