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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I began my mortgage application on XX/XX/22 and applied for a mortgage that I was told would qualify for 100 % financing no down payment required. I verified this information with my loan processor after my application was submitted. For 29 days of my closing process I was assured that I would not need to make a down payment. The day before closing I was told that Navy Federal had misread information and I would now need to make a 5 % down payment in order to close. I was unable to search for other mortgages that would better fit my needs because of this misrepresentation. By the time I was closing I had already ended my lease and needed a home to move into. I had no other option but to close in one dat
Product: Money transfer, virtual currency, or money service

I can't deactivate my account on your site and you won't respond to tickets. Deactivate my account immediately and erase all of my personal data that you keep on your site and provide a confirmation once all my personal data on Binance XXXX is erased per XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address several ongoing issues regarding incorrect information on my credit report, which have not been resolved despite multiple attempts over the past two years. 

Account Information : This dispute pertains to my account, Account Number : XXXX Nature of the Issue : The inaccuracies on my credit report include incorrect names and taxpayer information. Additionally, there are debts listed for which I have repeatedly requested validation. Specifically, there is a debt reported by XXXX ( Account XXXX : XXXX ) for the amount of {$890.00}, which I believe to be inaccurate. Despite my requests, no supporting documentation has been provided to substantiate the legitimacy of this debt. 

Timeline : My first dispute regarding these inaccuracies was submitted on XX/XX/year>. Since then, I have followed up numerous times, but the errors remain unresolved. The lack of action on your part has significantly affected my credit score and caused unnecessary stress.

Actions Taken : Submitted multiple disputes with supporting documentation. 
Requested updates and validation of debts, including the specific debt from XXXX for {$890.00}, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
Sought confirmation of corrections, which has not been provided.

Consumer Protection Rights : As a consumer, I am entitled to accurate information on my credit report under the FCRA, which ensures the following protections : The right to dispute inaccurate information and have it investigated within 30 days. 
The right to receive validation for any disputed debts. 
The right to the removal of unverifiable or inaccurate information from my credit report. 
I am requesting an immediate review of my credit report, the removal of all inaccurate information, including the XXXX debt of {$890.00}, and written confirmation of the actions taken to resolve this matter. Please ensure that these corrections are communicated to all other credit reporting agencies to prevent further discrepancies. 
Failure to address these issues in a timely manner may compel me to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

If additional details or documentation are needed, please contact me promptly. I look forward to your response and a resolution to this matter without further delay. 

Thank you for your attention and cooperation.
Product: Credit reporting or other personal consumer reports

I have 2 accounts on my credit report from XXXX XXXX. XXXX I paid off over 7 years ago and another that I paid through their collections company XXXX XXXX XXXX. My debit is clear and this is against the law to report debit that isnt there. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

Please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im begging you to remove these items. Ive already paid my dues
Product: Credit card

On the evening of XX/XX/24, I was ordering flight tickets on XXXX XXXX site. As I went to pay for the tickets, they showed an add for the Citi AAdvantage Platinum Select card. The add showed the total price of my tickets and said if I applied and was immediately approved, I could charge these tickets to the card and get a {$400.00} statement credit so that my tickets would be {$400.00} less. I applied and was immediately approved, but was not provided a card number to charge the tickets to. ( See attached screenshot of the ad which convinced me to apply for the card ) I have spent most of the day of XX/XX/24 calling various Citi numbers trying to get a virtual card number to charge the tickets to, but no one provides any help. They say that they can not get a virtual number for me and I have to wait 7-10 days to get the card and then I can use it. By then, the tickets may no longer be available or may be much more expensive, so this is a lousy option for me. I asked everyone how to escalate my concerns since I need to charge the tickets now and everyone I talked to said there is no way to escalate the issue. One rep told me to call XXXX, but XXXX just said they don't handle the cards and it is Citi 's issue. 

The only thing I can do now is charge the tickets to a different card, which will mean I don't get the {$400.00} credit promised and I won't get the other perks, like free checked bag, on this trip. I find this completely unacceptable -- I would not have signed up at all if I knew I could not use the card for this trip. 

I am very upset with Citi for their inability to resolve this. One of the reps said I may not have received the virtual number if I had pop-up blockers on. If that is so, I am sure this has happened to many others and they have to have a way to resolve this. It is ridiculous that they can run a credit check on a person, issue them a card and then not let them use it while they are advertising that you will be able to use it immediately. 

I am also not very happy with XXXX XXXX that they would partner with Citi and put that in the check-out section to entice customers to get the card and then have no way to use it as advertised.
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. 


Account Name : Chapter XXXX Bankruptcy Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

DISPUTED ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY bANK XXXX XXXXXXXX I have been disputing the accounts since XX/XX/XXXX and XXXX failed to delete or remove the inaccurate accountS instead they keep changing information within the creditline, from date opned, amount owed, owner of account etc. TOTALLY INACCURATE CERTIFIED DISPUTES DATES XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 


The following are identifiable violations visibly reflected and can be proven by the actual credit reports presented as evidence. 

XXXX on XX/XX/XXXX removed credit line with XXXX XXXX  AND XXXX XXXX XXXX, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX a violation of the FDCPA and FCRA. Section 623 ( 5 ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See XXXX credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. Attached CREDIT REPORTS SHOWING FDCPA & FCRA VIOLATIONS AS CHARGED ( attached ) XX/XX/XXXX. # XXXX XXXX XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX # XXXX SPECIAL NOTE for Complaint against CRA XXXX It should be noted that since # XXXX student loan educational loan was initially inserted on plaintiff credit file the following SEVEN changes were made to the entry : 1. Changed from student loan educational loan TO unsecure loan 2. Changed from one year of ON-TIME payment TO no payments made 3. Changed from XXXX XXXXXXXX XXXX TO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of XXXX XXXX as original creditor 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( account open twice ) ALL THE ABOVE CHANGE CONSTITUTES INACCURATE FALSE AND MISLEADING CREDIT REPORTING FCRA SECTION 623 ( 5 ) ( a ) 605 ( C ) FDCPA SECTION 1692 ( e ) 1-2. Continuing to report inaccurate credit line is proof of : willful, negligently, wantonly causing damages to plaintiff.

1. Failure to validate a disputed debt FDCPA SECTION 809 ( b ) 2.Failure to report a disputed debt to CRA FDCPA SECTION 807 e ( 8 ) 3.Continue to report without validation FDCPA SECTION 809 ( b ) 4.Calling after hours FDCPA SECTION 805 ( A ) ( 1 ) 5.Using harassment and abuse threats FDCPA SECTION 806 6.False and misleading representations FDCPA SECTION 807e 7.Furnishing false and deceptive and misleading reporting FDCPA SECTION 812 8.Falsely furnishing false on-time payments to CRAs. SECTION 807.
Product: Checking or savings account

Last year I was randomly blocked from signing into my PNC account. I had a pending wire for XXXX $ that never arrived to the recipient ( XXXX XXXX XXXX ). I had wired money to XXXX  many times with no issue. 

At this point they have NOT released the funds that were left in my account ( XXXX $ from the wire that never went through ). I STILL receive emails from PNC every day stating that I have a low balance of XXXX XXXX this is because PNC XXXX  out my account and to this point ( over a year later ) has not given me an explanation as to why my account was closed OR when I will receive my funds. 

I have visited PNC bank in person and spoken with a banker. Even they tell me they are unable to help me. 

Are banks allowed to take my money and hold it for years without giving me any reason for doing so? 


Ive attached a screenshot of the email I continue to receive DAILY.
Product: Checking or savings account

On XX/XX/20, My debit card information was compromised and had 3 unauthorized charges at XXXX XXXX totaling {$2000.00}. One charge was made at store location # XXXX and the other 2 were  made online at XXXX. I called Bank of America multiple times, and each time I received a different answer from every agent. They advised I was unable to do anything until all 3 transactions had posted. I followed their directions and filed a police report as well. I still felt like the information I was given from Bank of America was not accurate. I called one more time, and finally the agent blocked 2 of the 3 transactions from posting to my account. The 3rd payment however posted to my account from XXXX XXXX # XXXX in the amount of {$660.00}. I again followed the agents directions and opened a claim for the 3rd transaction posted in the amount of {$660.00}, and within 1 week the claim was denied. Bank of America said the claim was posted to my account correctly even though I did not make this charge to my account and I am unable to get this money back. I called and asked to speak with a manager and the agent advised me there was no one else that I can talk to.  The agent also said she can not reopen my claim. I asked to see how Bank of America reached their decision, and the agent denied me viewing that information even though I have a right to my own information. Bank of America did not even take the time to research my claim. If they did in fact research my claim, they would see that I do not even have a XXXX XXXX  membership, nor in the past have I ever done any business with XXXX XXXX. This charge was not made or authorized by me the account holder and now they are refusing to give me my money back.
Product: Credit card or prepaid card

I filed unemployment claim on XX/XX/20 and I have not received my card with my money on it. I was able to set up my account but can not do much on it because card isn't registered. I have called every day and only sit on hold for 2-3 hours at a time and I have been calling twice a day. I called in the middle of the night, during the day, and in the morning and I only sit on hold. I simply want an expedited replacement card sent to me ASAP and I don't care about the {$15.00} charge for that. The card should be sent to the same address on my account. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries Appearing on credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Goodleap is a partner of XXXX XXXX, aka XXXX XXXX. 
We have raised concerns to Goodleap for multiple months about XXXX XXXX and the fact we were not provided the service we were expecting and we paid for. 
Goodleap has never done anything to help and has continued its partnership with XXXX XXXX and. now that XXXX has filled for bankruptcy and we can not get the service we paid for, we asked Goodleap for help and they totally refused to provide any support. 

We signed our contract with XXXX XXXX XXXX XXXX XXXX XXXX ) in XX/XX/2021 and the loan automatically started ( {$73000.00} ), the solar system was installed in XX/XX/2021 and, despite the electrical installation had not been performed ( solar panels on the roof only ), GoodLeap started charging us, even though we explained multiple times there was a problem and the loan should not have started. 
Over the next 15 months, we contacted GoodLeap multiple times since our solar installation was not providing near what it was expected to ( less than 20 % of what we were promised ). 

Today, our system is still not performing and GoodLeap is not doing anything to assist, we will therefore have no choice than to stop our payments ( sections XXXX and XXXX of the contract we signed ).
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Number : XXXX XXXX XXXX & XXXX : Number : XXXX
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX This account was reporting inaccurately. Please investigate this thoroughly and remove it accordingly. 
XXXXXXXX XXXX XXXX XXXXXXXX I dont have any knowledge of this account. Please have this removed immediately. 
XXXXXXXX XXXX XXXXXXXX I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
XXXX XXXX XXXXXXXX There is no name associated with this file & needs to be deleted due to inaccurate info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous accounts present with XXXX, XXXX, and TransUnion for many months with little response from the credit bureaus. This is a violation of the Fair Credit Reporting Act and the accounts listed in the attached letters should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : I was a victim of identity theft in XX/XX/2020. I was advised by my local police and XXXX XXXX to freeze my credit access, so no new cards could be issued. I was also advised to check my credit score with all three rating agencies, which I did. I was put into your " premium '' subscription program without my knowledge or authorization. Accordingly, I am seeking a full refund of all charges made to my debt card. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to join the Zelle lawsuit and file a claim against them
Product: Credit card or prepaid card

I called in beginning of XXXX and I did a balance transfer in the amount of XXXX to XXXX card services and it went through and approved and got a letter in the mail on XX/XX/XXXX and saying the balance Transfer is processed and it had a wrong zip code on that letter and I was told that I wont be able to resubmit a balance transfer for 30 days and I was have trouble paying my bills this month due to the error on the bank end and the bank dont want to apologize or cancel the balance transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.
Product: Checking or savings account

Date of Incident : XX/XX/year> Financial Institution : XXXX by Goldman Sachs XXXX XXXX XXXX : On XX/XX/year>, I attempted to transfer funds from my XXXX by Goldman Sachs account to my XXXX XXXX checking account. The transfer could not be completed through the regular online process, and I was prompted to call a toll-free number ( XXXX ) to facilitate the transfer. 
Upon calling, I was transferred to another employee who attempted to send a One-Time Password ( OTP ) to my phone number for verification purposes. However, this process failed on their end. 
The employee then informed me that they would open a complaint internally so that someone could contact me later ( XXXX to XXXX business days ) .This has left me in a difficult financial situation, as I am unable to access my own funds to pay for essential expenses such as rent, college tuition, and credit card bills. 
I also inquired about the possibility of writing a check from my XXXX account to my landlord, given that I have sufficient funds in the account. The employee was unable to provide a clear answer on whether such a check would be processed successfully. 
Impact : This situation has effectively paralyzed my financial operations, leaving me unable to meet my financial obligations. The inability to access my own funds has put me at risk of late payments and potential financial penalties.