23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX. 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 XXXX 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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, credit repair services, or other personal consumer reports

I previously filed a complaint against Transunion and XXXX   due to an account being on my credit report that did not belong to me. I have sent documentation time and time again proving that the account from XXXX did not belong to me. XXXX   and XXXX have removed the following accounts, yet Transunion has NOT! This needs to be removed immediately as it is affecting my credit score, especially during this Coronavirus insanity. Thank you!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX complaint against EARLY WARNING SERVICES XXXX XX/XX/XXXX complaint against XXXX XXXX XXXX made several complaints against XXXX to CFPB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I had a checking and savings bank account with XXXX XXXX XXXX It's XXXX during XX/XX/XXXX. Due to my check being on hold and direct deposit, they threatened to close my account. Not only this unfair and unreasonable bank held my money for weeks but now but later closed my account. In XX/XX/XXXX I got this letter from XXXX stating that they had charged {$20.00} overdraft fees into my account even when they were closing my account. At the time of closing my account and stealing my money, XXXX threatened that they will put negative remark on my history. When I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by XXXX, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter XXXX mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed I want strict most action action against XXXX. They stole my {$20.00} and then on top of it, made my report negative that i can not open any other new account. XXXX never gave me opportunity to fix the issue. XXXX took some unilateral decisions against me and now causing harm in future also. If I don't have bank account ( due to negative remarks from XXXX ) -I can not do any job. Will keybank pay for all my damages. I want immediate damage control by XXXX and pay for my damages ( {$20.00} overdraft and {$300.00} promotional offer of XXXX ). XXXX can not send me in circles and ask me to reach out to XXXX. 

XXXX messed up with my credit profile and provided the information to early warning system that there has been an identity fraud in my account on XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX  : XXXX. 

Both XXXX and XXXX warning sytem are playing games with me and sending me in full circles. I am falsely being accused of having " Checking account fraud '' and that remark had been put on my credit profile. As a result, I can not open the bank accounts. 
If I reach out to XXXXXXXX XXXX  then XXXX simply says go to the Early warning system. If I reach out to the Early warning system then the Early warning system says go to XXXX. This is ridiculous and I am sent in circles. 
I sent an email and both are being CCed here and they need to fix this mistake. 

If I don't have a bank account, I can not have direct deposit and that impacts my ability to get a job.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian and XXXX asking them to reinvestigate these account : Oportun/progeso finan. On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. I looked at my report and notice everything is still the same and according to 15 USC 1681i ( 5 ) they are suppose to do this treatment of inaccurate or unverifiable information. In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropiate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has benn modified or delete from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this b ) Accury of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximun possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this os suppose to happen ( a ) Reporting Information with actual knowledge of errors. A perdson 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. Experian really did not reinvestigation they lied on an official document saying they did something the did not do There is an inconsistency in the account owner and Experian has not investigated my request since it is not reflected in the other bureaus because XXXX and XXXX investigated and the account is not correct so it was removed from my credit report, I request that this also be removed from my Experian report.
Product: Bank account or service

Posting of charges and overdrafts. I keep track of my charges and spending and verify it with the online banking thru PNC. 

I started with {$58.00} available ... XXXX takes {$19.00} leaving {$38.00} ... Spend {$11.00} at XXXX leaving {$27.00} ... .Spend {$21.00} at XXXX leaving {$6.00} then Spend {$5.00} at XXXX Leaving a balance of {$1.00}. I then had a charge from XXXX for {$10.00} which would have Caused a OVERDRAFT OF {$9.00} and I somehow get XXXX overdrafts?????? {$100.00} charge for {$9.00} over??? That 's XXXX and PNC is a bunch of THIEVES This is backed up by their own online banking!
Product: Checking or savings account

On XX/XX/XXXX, I received a Chase bank notification that there were suspected fraudulent charges being made on my credit card account. I replied to the message saying that it wasn't me. My card was locked and a new one was issued to me. The next day, on XX/XX/XXXX, I got another message about fraudulent charges. This time in regards to my checking account. I once again stated that it wasn't me, and then my debit card was locked. I filed a claim with them, and they cleared the charges on my credit card, but refuse to reimburse the fraudulent charges on my debit card. I told them that I did not give out my card information, the charges were unauthorized, and I had both of my cards in my physical possession. They informed me that the charges were made from an XXXX pay account, however, I told them that I have never opened an XXXX pay account and I currently use a XXXX phone. After the first time they denied my claim, I provided evidence that I was at work and physically is XXXX, XXXX the day the charges were made. I also provided tollway charges on my car to show I was traveling to work that day. I provided time frame evidence, showing that I was in XXXX, XXXX working from XXXX pm to XXXX pm. I also explained that it should be obvious they are fraudulent charges because they are from the same store, across various cities in XXXX, and all the charges were around the same exact price. I wouldn't have enough time to go to XXXX different cities in XXXX and be able to work XXXX hours of the day in XXXX, XXXX  After multiple attempts, Chase bank has repeatedly refused to assist me with the fraudulent charges. I went to the police station and also filed a police report. I provided them with this information as well. As of now, I have only gotten the same response that " Unfortunately, there is nothing we can do to help. '' I will provide all charges, charge location, store number, and charge date below : XX/XX/XXXX : XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XX/XX/XXXX : XXXX # XXXX XXXXXXXX XXXX XXXX XXXX {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXX XXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Late Payment Reporting during COVID-19 Pandemic To Whom It May Concern, I am writing to dispute a late payment entry on my credit report related to my account with ASPIRE. The late payment in question occurred during the COVID-19 pandemic, and I believe it was inaccurately reported. I am seeking your assistance in rectifying this matter. I recently reviewed my credit report and noticed that late payments have been reported on XX/XX/XXXX through XX/XX/XXXX for my account with ASPIRE. I would like to bring to your attention that during the period encompassed by the late payment, I was granted an " accommodation '' by ASPIRE as defined under the provisions of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ) ( i ) ( I ). According to the definitions provided in the subsection : " Accommodation '' includes various forms of assistance extended to consumers affected by the COVID-19 pandemic, such as deferring payments, making partial payments, forbearing delinquent amounts, modifying loans or contracts, and other relief measures. The " covered period '' pertains to the time during which the consumer is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic. During this covered period, I was adversely impacted by the pandemic, leading to the " accommodation '' granted to me by [ Creditor 's Name ]. As a result, I am disputing the late payment entry as it does not accurately reflect the circumstances and the " accommodation '' provided by the creditor in accordance with the Fair Credit Reporting Act. I kindly request that you investigate and correct this error on my credit report. As per the FCRA, I have the right to accurate and fair reporting of my credit information. Please provide me with a written response confirming the results of your investigation and any updates made to my credit report as a result of this dispute. Additionally, if any documentation is required from my end to facilitate this process, please let me know. Thank you for your attention to this matter. I look forward to a prompt resolution of this dispute. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize this company or any affiliates to pull or inquire on my credit report. I did not request service or nor did I try to obtain service with said company. I called company sent a letter as well as the Transunion Credit Reporting agency. Please correct and remove the inquire off my report.
Product: Credit reporting

Hi, I request a credit increase from my XXXX XXXX XXXX & I consider there will be a soft Copy of my credit report, but they did a hard copy without mentioning on line on this regards, therefore I lost some point on my credit Fico Score by Trans union, which is not Fair, they should notice me that before my request on that regards, my other Credit card they do increase on line with no effect on my credit Score ( Soft Credit inquiry ) Please consider my request to remove this hard copy from my Credit report on XXXX/XXXX/15 Thank you for concern & Happy holidays XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the removal of inquiries that appear on my credit report that are unauthorized due to identity theft, I filed a police report upon discovering the inquiries and I've disputed them with Transunion via certified mail twice. They have failed to remove them and therefore have failed me in protecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by XXXX XXXX XXXX XXXX, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote XXXX XXXX XXXX XXXX directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote XXXX and Equifax directly, return receipt mail, to notify them that since XXXX XXXX was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address XXXX XXXX 's data furnishing negligence and willful misconduct. I am hoping that directly disputing XXXX XXXX 's data furnishing practices will be sufficient to resolve this matter.
Product: Credit reporting or other personal consumer reports

I went to car dealership and I was trying to get car and they ran my credit but also someone ran credit again but I don't know who might it can be .It was 4 more times that they pull my credit without permission
Product: Student loan

I received a phone call XX/XX/ that there was a problem with my account at mohela.com. Mohela handles my federal student loans. Before the covid payment pause I was told that ALL my loans handled by Mohela.com ( as opposed to sofi.mohela.com ) would be going to income-based repayment and would be on the SAVE plan when repayment started. 

They have informed me that while 6 of my loans are on SAVE, the others are on Level. This is not what I was told would happen. All of my loans should be on SAVE. My monthly repayment amount has ballooned from {$2700.00} to nearly {$7000.00}. 

Of course, I am sure their plan is to capitalize my interest and not honor XXXX 's on-ramp to repayment. I am absolutely sick of these loan servicers and their dishonest handling of student loans.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX | XX/XX/XXXX
Product: Debt collection

I checked my bank this morning and this debt collector took XXXX dollars out of my account. I called the bank and they gave me the number of the collector and said that they had a court order. I never went to court. I dont have a job and Im still fighting with XXXX XXXX XXXX  over the work mans comp. There is no way to reach these people because it says the line is busy. the only income I have is childsupport.
Product: Money transfer, virtual currency, or money service

I requested {$7.00} to borrow from my brother on Venmo. 

My brother sent it to me. 

I had an outstanding Venmo Credit Card fee due. 

Venmo automatically charged {$7.00} when they saw cash. 

Transaction ending in XXXX. 


I just won a $ XXXX {$9.00} XXXX default judgment against the XXXX XXXX XXXX  XXXX from The Honorable Judge XXXX XXXX in the State of Mississippi XXXX XXXX for XXXX XXXX XXXX No. XXXX.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX agents , representatives , & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. 
VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice. 
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - INQUIRY DATE - XX/XX/2022 - CALLED, NOT SURE WHY THIS IS HERE. 

XXXX - INQUIRY DATE - XX/XX/2022 - I DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/2022 - I DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/XXXX, XXXX I DONT KNOW WHAT THIS IS, DIDNT DO
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint pertaining to the distribution of assets in the XXXX bankruptcy proceedings. As a creditor in this case, I was entitled to receive a specific distribution comprising Bitcoin, Ethereum, and equity in the newly restructured company. However, to date, I have only received the Ethereum and stock components, with the promised Bitcoin distribution notably absent. The official docket information, as disseminated by Stretto, explicitly indicated that the distribution of Bitcoin was scheduled to be completed by XX/XX/XXXX. Despite this stipulation, I have yet to receive the Bitcoin assets that are duly owed to me. This lapse has not only caused significant concern but also prompts questions regarding the integrity and transparency of the entire distribution process. It is imperative to note that this issue is part of a broader context wherein a substantial portion of my Bitcoin and other cryptocurrency holdings were previously compromised. The current situationwhere I am being provided with an inconsequential amount of Ethereum and ostensibly valueless stock, while being deprived of my rightful Bitcoin distributionraises serious doubts about the fairness and legality of the proceedings. In light of the above, I urgently request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure that the distribution is conducted in accordance with the legal and ethical standards that govern bankruptcy proceedings. It is crucial that the rights and interests of all creditors, including myself, are upheld throughout this process. I request assistance in finding out why I haven't received my bitcoin distribution from XXXX XXXX XXXX XXXX XXXX  and Stretto ( attorney ). I am prepared to provide any additional information or documentation that may be required to facilitate your investigation. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I disputed three accounts from XXXX that are being reported on XXXX, XXXX and Trans Union incorrectly. The last payment date was exactly 1 year before what is stated on my report. It's repored as XXXX and actually is XXXX. The attached documents give exact dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are fraudulent inquiries XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refused to remove their inquiry off of XXXX  after six contacts with their company and XXXX  and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX but not XXXX. I already contacted them via email and have had no response.