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

I AM A FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. THIS IS THE 4TH TIME MAKING A COMPLAINT AGAINST TRANSUNION. TRANSUNION REPORTING IS IN VIOLATIONS OF THE FCRA. THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) HAS CONSUMER PROTECTION LAWS THAT WERE CREATED TO PROTECT ME. BY ALLOWING THESE ITEMS TO BE REPORTING ON MY CONSUMER REPORT XXXX IS DAMAGING AND RUINING MY ATTEMPTS TO OBTAIN A HOME LOAN. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE, TO ME CONSUMER REPORT. IM LISTING THE FCRA LAWS XXXX  IS BEING ALLOWED TO BREAK AGAINST ME. 15 USC 1681s2 ( B ), 15 USC 1666B, FTC GRAMM LEECH BLILEY ACT and 15 USC 1681B ( 2 ). XXXX  NEEDS TO COMPLY BY DELETING THESE ITEMS BEING REPORTED ON MY CONSUMER REPORT. REMOVE THE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, AZ XXXX. BASED ON IRS REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE ACCOUNTS LISTED ARE CHARGED OFF ACCOUNTS AND CONSIDERED " GROSS INCOME FOR ME '' AND SINCE INCOME SHOULD NOT BE REPORTED ON A CONSUMER REPORT DELETE THESE ACCOUNTS THEY ARE INCORRECTLY, BEING FACTORED IN MY REVOLING CREDIT USAGE HURTING MY FICO SCORE WHICH IS FALSE, MISLEADING, AND DAMAGING. DELETE XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX. DELETE THESE CHARGED OFF ACCOUNTS BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS 1099 IRS FORMS TAXABLE GROSS INCOME '' ON THERE ACCOUNTING BOOKS THEREFORE ITS CLEARED BALANCE XXXX ON THERE ACCOUNTING BOOKS AND THESE FURNISHERS RECIEVED DEFAULT INSURANCE PAYMENTS AND TO KEEP INCORRECTLY KEEP REPORTING THIS ON MY CONSUMER REPORT SHOWS THERE ATTEMPTING TO " GET A DOUBLE UNJUST ENRICHMENT '' PAYMENTS WHICH IS UNLAWFUL. I HAVE ASKED FOR RE-INVESTIGATIONS OF ALL these issues MULTIPLE times prior and have PAST CFPB DISPUTES ON RECORD SHOWING AS " FUNISHER SAYS ITS ALL '' VERIFIED " but AFTER SHOWING YOU THE FCRA LAWS TRANSUNION IS NOT COMPLYING AND VIOLATING MY CONSUMER PROTECTION RIGHTS ACCORDING TO THE FCRA. HOW CAN TRANSUNION KEEP BEING ALLOWED TO REPORT WHILE IN VIOLATIONS? FCRA CONSUMER LAWS I LISTED ARE ALL GROUNDS FOR IMMEDIATE DELETIONS FROM MY CONSUMER REPORT. BECAUSE TRANSUNION WILL NOT COMPLY TO THESE FCRAFEDERAL CONSUMER REPORTING ACT LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE, AND HOLD TRANSUNION ACCOUNTABLE TO THE FCRA FEDERAL CONSUMER REPORTING ACT LAWS ESTABLISHED BY US CONGRESS. AGAIN THESE ARE THE FCRA LAWS AND VIOLATIONS TRANSUNION IS GUILTY OF BREAKING AND NOT COMPLYING WITH. 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. DELETE THE ITEMS I LISTED ABOVE AND THEN TRANSUNION WILL BE IN COMPLIANCE WITH THE FCRA ACT LAWS THAT HAVE BEEN ESTABLISHED.
Product: Credit reporting or other personal consumer reports

XXXX  Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, Equifax, XXXXXXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, Equifax, XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXXXXXX XXXX XXXX XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX EQUIFAX ONLY XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX- Account # XXXX XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and Equifax ) XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, Equifax, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/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. 

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!
Product: Credit reporting or other personal consumer reports

After doing their investigation Experian still hasn't fixed an error on my consumer profile. There is an account from XXXX XXXX on my profile but XXXX no longer has access to this account because the account and it's ALLEGED debt has been sold to a company named XXXX XXXX XXXX. I have sent a cease and desist demand letter to XXXX XXXX XXXX and they have agreed to cease ALL forms of communication with me. Which includes ceasing to report to my consumer profiles also. I have sent there response to Experian several weeks ago because Experian IS REQUIRED BY LAW ACCORDING TO THE FDCPA, to delete/remove this account from my profile. But after about XXXX investigations, Experian still has NOT deleted this account which is causing severe adverse effects to my credit worthiness. Experian keeps replying back saying that the account is accurately reporting but that has nothing to do with the dispute that I have filed several times. This is a cease and desist notice, NOT an inaccuracy dispute. Experian NEEDS TO FOLLOW THE LAW and immediately delete this XXXX XXXX account from my consumer profile! Experian has been in violation of federal consumer law for almost over a month now!
Product: Checking or savings account

I received a Chime debit card. I never signed up for this account.. I contacted to customer service. I was told that this will be escalated to management.. They did not ask for my name or information.. Man with a heavy accent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of a late payment for a loan I never took out, it was apparently fraudulently done through regional finance. I filed a police report and sent in all documents that regional finance required to dispute the ownership of the loan. They promised to remove it from my credit file and it has not been. It is now in charge off. I have disputed the fraudulent loan that I never opened with all three credit bureaus multiple times and it still has not been removed from my credit report. These people are a terror and need to be stopped from wrecking anyone elses credit because they allow fraudulent loans to be opened without any identity verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and Inquiries appearing on credit. 


XXXX. XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX XXXX {$9400.00} XXXX. XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 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 21 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 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!

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

attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe has occurred in connection with my credit report. I have recently obtained a copy of my credit report from your agency and have identified the following inquiries XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On my checking relationship, I was contacted by the XXXX XXXX Citibank brnach manager by telephone approximately 3 years ago. She asked if I would come visit her at the local branch and hear about Citi 's other products. I told her I was very busy, but she said if I was willing to meet with her and just listen then she would assure me to place me in the Citigold program for life, and do so with a *permanent* fee waiver. She documented this in my file. Soon after the branch closed, and fees were being assessed to my account. I called customer service and when they researchd the issued the indeed found I was correct, and credited all service fees back to me. Then I called recently and they told me that they ca n't do that, and I am no longer in citigold. I reminded them that I was given *permanent* status, and that they could not revoke with out my permission. I requested that the last 12 months of fees be reversed, as they have always been and they revered 3 months but now more.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX XXXX They have 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. 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: Money transfer, virtual currency, or money service

On XX/XX/2021 - I purchased XXXX videos from a XXXX User and I paid for those videos via Cash App. The reddit user never provided the videos. 

On XX/XX/2021 - I requested a refund of the purchase directly from the user via Cash app and the user declined the refund. I On XX/XX/2021 - I reached out to Cash app support and they told me there was nothing they could do. 

Cash app seemingly exists solely to facilitate transfers of money as a part of fraud.
Product: Debt collection

Action I took was go to court and prove this debt wasnt mine, and succeeded. A court appointed judge indemnified me completely from the debt in question. The judge signed the order and I provided this court order document to XXXX, to have the debt removed. They refused and denied my innocence by a judge. More over, XXXX has removed this debt off my name, proving that my case is valid. I executed with them, the exact steps as XXXX. 

I provided the courts with times, text messages, and divorce documents, to settle my case. And was awarded indemnity from the debt. And the debt was then ordered to be paid for or transferred over to, my ex-wife, who was responsible for the secretive credit card purchase, in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to the fact that on going complaint and in unauthorized inquirys 2 of them from XXXX XXXX dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit
Product: Money transfer, virtual currency, or money service

I am filing a complai sgainst Cash App ( BlockKic. ) ( de tol lIe quat ) 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 0is Wwas untair and veceptive, as they dits nor D 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, credit repair services, or other personal consumer reports

I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Fl XXXX I want all other names on my calendar edit file removed I want any addresses other than the one listed here on my report I want them removed. I have tried to no avail to get my name fixed on my credit file I have submitted copies of my DL and SS and still they have not corrected my name. Equifax has had my name I. Several breaches and just recently admitted to not putting correct information on consumers credit report. I want my name corrected and address and for my name not to be in another breach with any credit bureau.This is in violation of my rights and fair credit reporting act. This is my final resort contacting your office to help me fix this matter
Product: Credit reporting or other personal consumer reports

I am unaware of this debt reporting as a charge-off on my credit report. I did not have the opportunity to dispute this debt before it was put on my credit report, which is illegal because they did not send me a proper notification. If you truly believe I was aware of this debt, please provide the certified mail return receipt with my signature, proving I received the notification. Or delete the account from my credit report immediately, as it is affecting my life a lot.
Product: Debt collection

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- description of reinvestigation procedure. This account was opened fraudulently.
Product: Checking or savings account

IMPORTANT : any communication should go to XXXX email!!! Account : XXXX is closed!! 
In my earlier complaints I described that I can not cash the cashier check of Bank of America # XXXX. In XXXX XXXX 's latest response ( Case # : XXXX ) suggested to negotiate international bank to cash the check. I negotiated XXXX XXXX XXXX Bank ( XXXX XXXX XXXXk ), but they also declined to cash this check. 
In the meantime the cashier check expired. As XXXX XXXX adviced I called the XXXX 3 times. I can not go to the administrator, because the system requested telekod, card number, or account number, and I do not have any of them.
Product: Checking or savings account

My name is XXXX XXXX XXXX and Im a XXXX citizen living in the XXXX. I had a checking and savings account with XXXX. I am currently living in XXXX. I was notified my account would be transferred to Citizens Bank. Since this transfer, I have not been able to access my account or my funds. I was on hold for over XXXX hours with. No answer. I hung up and tried later and was on hold for over an hour. Ive called numerous branches with no answer and Ive tried several times with online chat and Ive been told I need a XXXX based number now to access my account. My account with XXXX was opened while I was in the XXXX so I dont have a XXXX XXXX number. Ive been told in the chat that XXXX cant access my account without a XXXX number so my funds are unavailable to me. I have not received any information regarding my new account. I do have the new debit card, but it does not have the bank details on it and I have no PIN. I also cant download the app for my phone because its not available for people in the XXXX. Ive sent an email to them regarding this and the email has come back unreturned. Ive looked online and it appears people who are not based in the XXXX are having the same problem. XXXX concerned I wont be able to access my funds. Ive just finished with another chat and they are not allowing me access to my funds. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pay off my auto loan with XXXX XXXX XXXX they said they would wait until XX/XX/XXXX for my payment because I was paying my car in full I paid said car loan off and now are saying I was 30 days in which I wouldve only been 16 days late late on my payment on the day it was paid in full
Product: Credit reporting or other personal consumer reports

Some inquiries that I don't recognize and have never been authorized by me. They are the following : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Hi there, I am an international student holding a student " F '' Visa. 

I opened a checking account with US bank in XX/XX/2017 when there was a promotion. I told them that I am an international student Visa and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. 

Then, in XX/XX/2017. I received my bonus for opening a checking account, which is {$200.00}. However, they charged me {$56.00} Federal Interest Withhold at the same time. 

I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all.

Then I went back to the branch where I opened my account so many times, each time they said sorry for what they did, copied my information and said everything was fine, you just need to wait, they will refund you {$56.00}, but i still have not received my {$56.00} Federal Interest Withhold until right now, It's being almost 1 year. During this year, i called the branch said they didn't resolve my problem, i want to complaint to their manager, but they said the manager is not there, they asked me to leave my phone number, the manger will call me back, However, I have never heard anything from their manager. 

According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.S. ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a XXXX student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX  XXXX XXXX, XXXX XXXX, XXXX. 

And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen.
Product: Bank account or service

I signed up for the Citigold promotion and fulfilled all requirements and contacted Citibank multiple times to make sure that I had followed all the steps. I had paid {$90.00} for a checking account and now am being stonewalled when I ask for them to honor the terms. They state that the terms were only for targeted members but the terms and conditions that I have saved as a pdf say no such thing. I also had multiple missives from Citi stating that I would receive this bonus at the end of 3 bank cycles.