23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my credit score went down 85 points overnight due to XXXX Incorrectly reporting that my account had been closed. The account is still open, I sent in a dispute with them and they basically denied the dispute and said that they reported the information correctly. This is the second time my score has dropped because of this company last time it was 100 points and took my score to a XXXX i'm on a repayment program of {$0.00} because I was laid off from work and I start back to school in a few weeks and I don't want them saying that I need to pay anything and ruin my score even more. theres no reason why they should even be reporting on my account. I am a mother of XXXX and I'm in the process of trying to purchase a home this is negligence on there end no one should have to deal with this company they don't care they don't have good customer service and judging by the rest of the complaints I'm not the only one who feels this way. This is enough to make no one want to peruse an education. I would like them to report the correct information and get my 85 points put back or to actually remove the accounts like they reported that they did.
Product: Credit card or prepaid card

I've filed a fraud case with AMEX on XXXX, XXXX 2023 regarding a transaction under XXXX XXXX WA for {$1900.00}. I was initially told the investigation would conclude within 30 days. Well it has been over 37 days and the charge remains on my account. The unauthorized charges have already been reflected on my credit report even though I was initially told that I wouldn't be liable for the amount.
Product: Debt collection

On XX/XX/XXXX I received a letter from American Coradius International LLC phone XXXX XXXX regarding a collection of a debt for XXXX credits accounts/Bill me later from current creditor XXXX XXXX  Original Creditor XXXX for the amount of XXXX I called the collection agency on XX/XX/XXXX at XXXX spoke to an agent XXXX to verify the validity of the debt and was told that the account was charged off in XX/XX/XXXX. I asked her for the copy of the charges so that I can verify that the account/amount is valid but she advised me that she was not able to give me that information as she did not have it and she asked me to call XXXX XXXX at XXXX which I did at XXXX and was informed that they " XXXX XXXX '' do not have any records of accounts prior to XX/XX/XXXX. I was asked to call XXXX XXXX XXXX XXXX and I did at XXXX and was told that they do not have a record of the account, they in turn asked me to call XXXX at XXXX XXXX and I did at XXXX and was again asked to call XXXX working Capital line XXXX XXXX ( XXXX ) without success and I was asked again to call the collection agency. I called and spoke to supervisor XXXX XXXX who told me that he would be able to request the records but that would mean that the debt would no longer be with his agency, he asked me to call XXXX back and I did again and was asked to call other departments XXXX, XXXX XXXX and I did unsuccessfully. I also called XXXX customer service at XXXX XXXX ( called multiple time reached automated reply stating we are not able to help you at this time requested that I contact the help center on line which I did and sent them messages without resolution. I called the collection agency back and asked to speak to Mr XXXX and left a message asking him to call me back at XXXX and when I did not get a call back, I called again at XXXX, he told me that he is going to put out a request to have the details of the account mailed out to me. As I would like to resolve this matter would you please assist me in getting in touch with the group/company that is able to handle this matter. I can be reached at XXXX XXXX or via email XXXX or XXXX. 
Thank you
Product: Credit reporting or other personal consumer reports

Exhibit 1 - U.S. Bank Consumer Bureau Dispute handling ( XXXX ) letter dated XX/XX/XXXX, states - " The Vehicle was sold on XX/XX/XXXX. 

Exhibit 2 - XXXX XXXX XXXX declined my ( customer ) loan application XX/XX/XXXX. Charged off balance due {$9500.00} due to the delinquent trade of the XXXX. 

Exhibit 3 - Credit report balance due {$13000.00}, XX/XX/XXXX. 

If US Bank sold the boat on XX/XX/XXXX, How did US Bank report delinquency XX/XX/XXXX? 

Why the delinquent amount is different on XX/XX/XXXX, balance XXXX, today the balance is {$13000.00}?
Product: Debt collection

They just sent me a bunch of PDFs ( letters ) that I never received back in 2017. They are using that as a reason to collect on a mistake they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated the Fair Credit Reporting Act. In attachment.
Product: Checking or savings account

Please refer to complaint number XXXX which I filed. 
I do not agree with Upgrade 's response and see below their response. 
Company 's Response Dear XXXX XXXX, Thank you for your correspondence through the CFPB received in our office XX/XX/2022. We are sorry to learn that you were dissatisfied with your experience at Upgrade. On XX/XX/2022, you opened a Rewards Checking account through Upgrade. Please note, a Rewards Checking account is a separate product from an Upgrade Card with a personal line of credit. As of XX/XX/2022, you do not have an Upgrade Card account. In order to have qualified for the {$200.00} welcome bonus, as disclosed in the promotional offer you attached to your complaint : To qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive bonus. As there was no Upgrade Card account opened, you were not eligible to receive the {$200.00} welcome bonus. We apologize for any confusion. As a courtesy to you, if you open an Upgrade Card in the next 30 days, you will be eligible to receive the {$200.00} welcome bonus. If you have any additional questions, please contact our XXXX XXXX team at ( XXXX ) XXXX, Monday through Friday, XXXXpm MST, or email XXXX XXXX XXXX. Sincerely, Upgrade , Inc . 

Please see my response ADDITIONAL COMMENTS HI, The promotional terms are as follows and you can please refer to the attached terms o qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Upgrade states on their response to my complaint an Upgrade Card with a personal line of credit If you look at their terms and conditions it doesn't mention that you have to establish a personal line of credit. They just mention on their official terms that you can get the bonus by opening a rewards checking account and make 3 debit card transaction within 60 days of the Upgrade card account opening which I did. There is no mention on their terms that a personal line of credit has to be opened to get the bonus. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
Product: Money transfer, virtual currency, or money service

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

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number:571200XXXXXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

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

On my Equifax report it is report an account from XXXX XXXX that I have not given permission to disclosure any non public information. This account should never have been put on my credit report per my consumer rights under the Fair Credit reporting act. It clearly states that for a financial institution to report any non public information such as financial relationship of accounts, they need to have my written permission to report this information. I have never given them this permission and they have violated 15 U.S. Code 6802 clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal account information from my credit report. However, after various formal certified FCRA mail disputes they continue to ignore my request. This information does not belong to me and they have failed to show me how they officially validated this false account. 

US DEPT OF EDUCATION ; Amount : {$9800.00}. Date opened : XX/XX/XXXX. 
XXXXXX/XX/XXXX ; Amount : {$1900.00} Date opened : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I have filed disputes in writing and electronically via XXXX XXXX XXXX XXXX amd 3 credit reporting agencies ' Credit Dispute Centers. 
To remove an old account. The account has been closed for 10 YEARS. XXXX, TransUnion, and XXXX refuse to remove a XXXX  XXXX XXXX  XXXX  account. According to their websites, correspondence, ( XXXX XXXX TransUnion.com, consumerfinance.gov ) and XXXX XXXX XXXX XXXX 's letters, closed accounts stay on credit reports for 7 years. The account for XXXX XXXX XXXX XXXX has been closed for 10 years. 
I have also contacted XXXX  XXXX XXXX XXXX directly. At XXXX regarding a letter I received. According to their letter : closed accounts stay on credit reports for 7 years. XXXX XXXX XXXX XXXX refuses to contact the credit bureaus to remove an old account. This is in violation of FCRA and their own policy. According o XXXX XXXX XXXX XXXX representative, they do not have a Credit Bureau Team although the letter I received is from their Credit Bureau Team. 

I have disputed the old account with all 4 entities. XXXX XXXX XXXX XXXX tells me to dispute it with the credit bureaus. The credit bureaus tell be to dispute it with XXXX XXXX XXXX XXXX. No one Is removing the old account
Product: Credit card or prepaid card

Hi- I had XXXX XXXX XXXX cards my limits on Both cards were XXXX. On TransUnion it's reporting over XXXX. Which is wrong. I did write the Credit bureau about this error. Please help me with this. I can be reached at XXXX XXXX XXXX after XXXX XXXX Eastern Time. Thankyou so much. XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Debt collection

I sent a letter to One Advantage LLC to dispute and my credit report has not being noted disputed by the consumer. One Advantage didn't herby the law of the FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

USPS tracking number XXXX XXXX XXXX XXXX XXXX Letter delivered on XX/XX/2021, XXXX XXXX
Product: Checking or savings account

On or about XX/XX/XXXX i had ongoing charges to my checking account via someone who had hacked my XXXX account which was linked to my bank and other financial institutions. The bank issues a new card and the charges continued. I assume they were able to get my online banking information. I filed a report with the fbi cyber crime website and contacted my bank to tell them this. The theif ended up taking XXXX from my account between XXXX XXXX and some other crypto currency websites that were unauthorized. The bank informed me yesterday that they will not be paying me back for those fraudulent charges. However they did pay me for XXXX that had been taken out 2 days before the XXXX was run through my account XXXX at a time for an entire day. How does that seem logical? No explanation what so ever they just flat out denied the charges.
Product: Debt collection

This issue is been going for quiet some time. 
Late in XXXX I received a letter from XXXX XXXX XXXX stating that they represent Velocity Investments and that I owed about {$10000.00}. I had no idea who Velocity was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact Velocity several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to XXXX XXXX XXXX. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.
Product: Vehicle loan or lease

I paid my car loan off with Chase Auto on XX/XX/2024. I still have not received my title in the mail, when it said I would receive it in 2-10 business days. I have tried contacting Chase and they said they would get back to me in a few business days.
Product: Vehicle loan or lease

XXXX XXXX refuses to work with me on getting a better interest rate. My financial situation changed and the interest amount on the car became too much to manage. I reached out to the company several times, but they stated that they don't allow for refinancing with them. My current interest rate is 17 %. I even asked for SCRA benefits, but I didn't qualify since I was on active duty prior to getting the auto loan. I have had the car for close to XXXX years and my payments have taken the loan amount owed down by only {$2000.00}. Additionally, the car value has dropped down from XXXX XXXXXXXX down to XXXX XXXXXXXX. My monthly payment with the current interest rate is {$1300.00} a month. Looking for a more affordable interest rate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Husband and I had our mortgage sold to 5/3 for servicing and every interaction since has been abysmal. From setting up an account, auto pay, and now monthly harassment for payments. A lady from 5/3rd called around the XXXX of XXXX and wasted 10+ minutes of my time asking detailed questions about my personal information and when to expect payments etc. I made it clear multiple times I was not happy with her call or questions and that auto pay had been set up to pay on the XXXX, well before the due date grace period of the XXXX. I was told she would make a note of this and shouldnt expect any future calls. XXXX, that wasnt the case as I was called again today ( XXXX ) with the same questions. I again made it clear I was not happy with the pervious call, did not appreciate the follow up call, and would not be answering her questions, that it should be noted our payment is to be auto paid on the XXXX and I was an unwilling customer of 5/3rd, I was forced to be a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Identity Theft XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

I have filed several disputes concerning these accounts that are being reported inaccurately on my credit report. Additionally, I have submitted multiple requests for updates on the account that needs correction. Despite this, these companies have refused to address the disputes, even though they are legally obligated to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I Contacted IL Department of human services to notify them that an account appeared on my credit report that does not belong to me. I have no affiliation with this company and or account. 

The account is listed on my credit report as " XXXXXXXX XXXX XXXX XXXX' The original creditor name is " XXXX XXXX XXXX XXXX XXXX '' The account balance is listed for {$1300.00}, and is currently placed for collections. 
It was opened on XXXX, XXXX XXXX.