23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

From around XXXX to present I have dealt with pay day loan company. I was told that my credit score was to low to get a large loan so it has been in around {$300.00} plus that I started with, then they gave me a second on a car that was {$1800.00} in XXXX. They have changed management now but the manager that I was dealing with gave me the title to the car and marked it paid in full. Now the new management is saying that it was not paid off but transferred and combined with the other loan. Now they are saying that I owe {$10000.00} it is XXXX the other manager gave me the title back because he knew that it did not take 4 yrs to pay off a XXXX loan. my payments were almost {$400.00} a month and they told me that I could not get big loans because of my credit this why I had to get the XXXX car, and had to get the loans for around {$300.00} but now I owe them according to their records that show that I got money that I didn't get and that though I was given my title to my car, I still owe for it. My payments dropped because I raised such a ruckus but they are still XXXX a month. I know that I don't owe all that money and I need someone to step in on my behalf and help me with this. They have mediation but it is their mediators.
Product: Credit card or prepaid card

I had two disputes for a merchant from 2021. The company is XXXX car wash which is managed by ultimate wash concepts. The first dispute was properly resolved from XX/XX/2021. The merchant charged me again on XX/XX/2021. The merchant has provided myself and Citibank notice of refund but Citibank closed the dispute and reversed the charge. Their own feedback to me clearly shows a receipt from the merchant showing the payment was refunded, but Citibank never processed this transaction. Subsequently, they denied my dispute. This is total mishandling of a federally required dispute process. 


I have attached the denial letter. I have attached the receipt showing the refund. I have also attached the emails from the merchant to myself and Ohio Attorney General Office. I believe this evidence is sufficient to obtain my refund and penalize Citibank.
Product: Credit card or prepaid card

End of XX/XX/2019 I applied for an American Express card to do a balance transfer. The first balance transfer was for XXXX from my XXXX credit card. The second amount i transferred was XXXX from my XXXX XXXX card, because the interest is so high. I get a letter on XX/XX/2019 saying my balance transfer was a success and the letter showed to whom the balance transfers were made. As I was looking over the letter i noticed they sent the XXXX to a XXXX XXXX and not my XXXX XXXX card. I do not have a credit card from XXXX XXXX. And to top it off the XXXX that i wanted to be transferred from my XXXX XXXX is still on my XXXX XXXX card. I called them and they said that yes they did in fact make a mistake and it would be taken care of and would show on my next statement which would of been XX/XX/2019. Well it wasn't. I have made 3 more phone calls to them and the XXXX is still on my.statement.I contacted the XXXX XXXX XXXX  and I received a letter from American Express saying the transfers were made correctly and they requested this money back from XXXX XXXX but it can take up to 180 days. What?? Not only is the XXXX on the American express card statement but I also have the XXXX that was supposed to be transferred from my XXXX XXXX card is still there. This amount on the American Express card is showing up on my credit report and i keep getting a bill for this amount. i am not paying this amount and it is going to ruin my credit and everything else. I am going to be charged interest and probably start getting calls they want this money. Please help? They are not trying to rectify this mistake that was made by them. i canceled this card on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How is it possible that this account has a payment history when its a charge off. Delete this account immediately. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX  Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In 2019 during XXXX I had a problem using my cash app card so i googled the customer service number to call and get help and see what was wrong with my account, and the number google gave me was a scammer who really sounded and acted like a cash app representative and told me he could fix my problem and told me to download a app and made me give him a code so he could look it up. not knowing he gained access to my account and transferred all my money out of my account total amount of {$4400.00} and hung up. i took a screenshot during the call because i had a gut feeling something was off. right after i emailed cash app and told them everything that happened and they told me there was no cash app customer service number everything was via email and they could not do anything for me. They were not reliable. they took everything i had and i did not know how to go about it to get it back .I now do not have access to that cash app acount because i never used it again.I just read about cash apps CFPB lawsuit today and want to know if i can still have an investigation conducted. if you can look it up somehow since the account was under my government name and social security number.So i can finally get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax remains in violation of 15 U.S.C. 1681g. This is a dispute against " XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY. '' The information currently reported is inaccurate, false, and incorrect. 1 ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must maintain accurate and complete credit reports for consumers. Reporting a business account on my personal credit report violates this statute, as it inaccurately represents my credit history. 2 ) Uniform Commercial Code ( UCC ) establishes that a personal guarantor is not personally responsible for the debts and liabilities of a business. As such, the business account auto loan registered to the business should not be listed on my personal credit report. 3 ) Violation of FDCPA Section 809 ( a ). I was a personal guarantor for a business account auto loan where the car was registered in the name of the business. I have attached the registration showing the business name on the registration. The business and its assets are separate from my personal credit report, and therefore, this account should not be reported on my personal credit report. All information reported on my credit report must be accurate and up-to-date or immediately deleted. This is a demand to immediately delete all inaccurate, false, and incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I called XXXX to help me remove a Wells Fargo Secured Credit Card account ( opened on XX/XX/XXXX ) that was negatively impacting my credit score. This was on the basis that I already paid off that account and that there was no reason that that account would continue to negatively impact my credit score. 

After about 11 days, I received an email from XXXX stating that the dispute has been resolved, only to find out that the account that they removed on my behalf was the wrong Wells Fargo Secured Credit Card, opened on XX/XX/XXXX, instead of the one opened on XX/XX/XXXX. 

Now, my credit score has dropped XXXX points apparently because of this mistake by XXXX. XXXX advised me to call Wells Fargo ( XXXX ), which I did. Unfortunately, a customer service representative from Wells Fargo told me that they could not reinstate reporting this XXXX account back. 

This is so confusing as a consumer. On the one hand, XXXX advised that I should call Wells Fargo because they are the only ones who could reinstate the reporting of that XXXX account back. On the other hand, Wells Fargo is saying that they could not do this. 

Please help me because I really need a fair and honest credit score right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaintiff : Sur-name : XXXX, Given name XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Transunion Consumer Solutions The Executive office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : File Number # XXXX Date : XX/XX/2023 This notice serves as Notice of Fault and opportunity to cure your negligence in Violation of the Fair Credit Reporting Act ( XXXX ) Statement of Facts On XX/XX/2023, Plaintiff, sent a dispute letter challenging the response from your company that the description of reinvestigation came from the Bankruptcy court. Account : XXXX XXXX XXXX XXXX  XXXX Attached with the letter was proof from the Bankruptcy court Clerk did not validate the public record listed on my credit file. 

XX/XX/2023 an additional letter was sent not agreeing with latest response from your company not taking liability that the dispute center did not validate the public record on my credit file. 


As of XX/XX/2023, your company has continued to ignore the proof and state the account on my credit file is accurate and has been verified. 

Your company responses not complying with the Law according to the Fair Credit Reporting Act Pursuant to 15 USC 1681i ( 5 ) ( i ), is resulting in making the Defendant ( Transunion Consumer Solutions ) at fault in this matter.

Pursuant to 15 USC 1681i ( 5 ) ( i ), states you must delete any Unverifiable information in the consumers credit file. 

Opportunity to Cure In the event that the Defendant failure to respond to this Affidavit was an oversight, mistake, or otherwise unintentional reinvestigation with your Dispute Center. 

Failure to cure will constitute as negligent by not following the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately within 4 days. 

Name of Account Account number XXXX XXXX XXXX  {$950.00} XXXX XXXX {$980.00} XXXX XXXX  {$980.00} XXXX XXXX {$830.00} XXXX XXXX. {$430.00} XXXX XXXX {$940.00} XXXX XXXX  {$900.00} XXXX XXXX {$520.00} XXXX {$570.00} XXXX {$1500.00} XXXX {$10000.00} Thank you XXXX XXXX
Product: Bank account or service

I have been a customer of XXXX XXXX since XX/XX/XXXX. Recently, XXXX spun off their financial services arm which was purchased by BNY Mellon. Mellon closed the consumer financial services division on XX/XX/XXXX. I have contacted Mellon repeatedly since XX/XX/XXXX in an attempt to have the remaining funds in my account - almost {$6000.00} returned to me. Each time I call, I speak to supervisor, who tells me that now they need a different form, or a different letter, or a form sent to a different address, that the information that the last supervisor told me was incorrect. I have spoken to XXXX, XXXX, XXXX, and XXXX. I believe BNY Mellon has made a corporate decision to block as many redemptions as possible, with the hope that consumers will eventually give up, run out of time and leave their funds in the hands of Mellon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated. have attached multiple files added to this report.
Product: Money transfer, virtual currency, or money service

On XXXX-2018 my Bank sent a wire transfer of {$800.00} to Coinbase and they keep assuring me I will get the money back, but I still have not received it. It has been 19 days now. Their complaint support email asked for the XXXX tracking number from the bank transfer which I did send them. It is not possible to contact them by phone and their emails just keep saying the same thing, that they are busy and will get back to you. I just want my money back and will never do business with them again. Please help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are violating my rights clear AS DAY! I do not understand how you are blatantly disregarding my rights under HIPAA. My private health information can not be shared or reported. By reporting this information, you are directly sharing my information with everyone who has access to my credit report. This is illegal and is also a violation of the FCRA.