23daVinci/CFPB_Complaints huggingface dataset:
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. 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 XXXX 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 XXXX XXXX and stopping me from getting thiXXXX XXXX XXXX n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX SSN : XXXX  TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/year> Subject : XXXX XXXX ( Debt Bondage ) Section 605C ( 115 U.S.C Section 1681c-2 ) Urgent Request for Resolution Dear TransUnion Representative, XXXX XXXX XXXX is filing this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account from XXXX /Dept of Ed Account number XXXX opened XX/XX/year>. 

These accounts have resulted in several fraudulent accounts appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the accounts. 

All the accounts are the result oXXXX XXXX XXXX and identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from the US Federal Trade Commission that all the consumer account, are the result of XXXX XXXX  identity theft and fraud. 

I request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that the TransUnion credit reporting agency block all negative accounts identified in this CFPB, FTC Report , complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. 

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

I am writing to dispute the unauthorized reappearance of a credit card account on my credit report. This account was previously removed, and their reappearance is both erroneous and damaging to my credit profile. 
This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence.
Product: Checking or savings account

Chime Account number : XXXX My account was frozen on XX/XX/year>. 
Chime froze my account because a bank transfer that I initiated from my XXXXXXXX XXXX  account to Chime was unpaid. Chime is asking for a bank statement from XXXX showing the transfer for {$2000.00}. I provided Chime with the XXXXXXXX XXXX statement from that time period, but the transfer for {$2000.00} does not appear on the statement because the transfer never went through. Chime asked for my passport and drivers license in order to verify my identity and I provided both forms of ID to them. I have called their customer support team at least a dozen times and sent them over a dozen emails letting them know that I have provided them with every piece of documentation that they have asked for. However, they keep asking for a bank statement showing the transfer in question, which I am unable to provide because it does not exist. I have asked them to close my account and send me a check with my remaining balance, but they have refused to do so until I send them a bank statement showing a transfer that never happened. 
I am seeking the return of my funds and the closure of the account.
Product: Credit card or prepaid card

We are writing to dispute charge on XX/XX/XXXX ; ( {$3800.00} ). on our XXXX, XXXX XXXX   Visa Address : XXXX XXXX XXXX XXXX, DE XXXX After a ( 4 ) hour, high-pressure sales presentation, we reluctantly entered into a timeshare agreement with XXXX XXXX XXXX, ( XXXX ) before discovering the extent to which the company has engaged in unfair, deceptive and fraudulent sales practices. ( Phones not working, etc ). They made us open a XXXX Visa credit card and put the down payment ( {$3800.00} ) on it. The terms that we agreed to are not what the company ( XXXX XXXX ) has delivered. I received an email from XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. XXXX fully cancelled our contract with them. XXXX totally did not want to argue or litigate a suit we would have against them. ( I will also attach their emails on the cancellation. ) They realized their deceptive practice and terminated our contract with no problems. They told us to contact Barclay on the down payment. We disputed the amount of {$3800.00} which was used as a down payment to purchase this worthless timeshare for over 7 months. There were two charges by XXXX XXXX XXXX on XX/XX/XXXX. {$30.00} which went to closing costs and {$3800.00} went to the down payment. XXXX, ( XXXX XXXX Visa ) refunded {$30.00} on XX/XX/XXXX. Barclay realized their deceptive practice. Barclay needed to refund {$3800.00} to us as well. We were charged {$3800.00} for nothing in return. We disputed this, but to no avail. They will not refund our money, stating XXXX will not refund them the money. This complaint is against Barclay Visa for not refunding our down payment that we gave XXXX and put on the card. ( Actually XXXX should give the money back to Barclay first. )
Product: Checking or savings account

On XX/XX/XXXX, I signed up a Wells Fargo Bank Existing XXXX Savings Account promotion at the XXXX XXXX branch that required a deposit {$25000.00} or more by Day 30 and maintaining at least a {$25000.00} balance for 90 days after account signup. The bonus of {$520.00} would be credited within 30 days after all requirements were met. The offer code was XXXX. Although I had met all the requirements, I still have NOT received the bonus after signing up for more than five months. 

Here I reported key dates and activities as follows. XX/XX/XXXX ( Day 1 ) - Signed up the existing XXXX savings account promotion in the branch. XX/XX/XXXX ( Day 3 ) & XXXX/XXXX/XXXX ( Day 23 ) - Called the CS twice to ensure the code was applied. XX/XX/XXXX ( Day 29 ) - Deposited {$25000.00} to my savings account. XX/XX/XXXX ( Day 98 ) - Transferred the fund out. XX/XX/XXXX ( Day 120 ) - Bonus SHOULD be credited ( which I didnt receive ). XX/XX/XXXX ( Day 122 ) - Called the CS to inquiry the bonus and I was told I didnt keep the fund for 90 days after deposit. ( *Note : Per the terms of the promotion, I ONLY needed to keep the deposit through Day 90 after ACCOUNT SIGNUP ). XX/XX/XXXX ( Day126 ) - Visited the promotion signup branch, the banker supported my view, noting that I had fulfilled all of the requirements, submitted a promotion incentive ticket ( Ref No : XXXX ). Hence, the banker suggested that the bonus should be post in XXXX business days. XX/XX/XXXX ( Day 159 ) No response nor the bonus received. I called the CS but the banker over the phone told me that I was not eligible for the bonus because I didnt keep the deposit for 90 days ( *Again, the discrepancy is the deposit HOLDING PERIOD, which the bank misunderstood. ) Because the Wells Fargo bonus department misread the terms repeatedly, I had no choice but to file a CFPB complaint. Here I have provided three files : file 1 is the offer ; file 2 is the main terms, where the discrepancy is highlighted ; file 3 is the screenshot of my savings account transactions ; file 4 is the printout of promotion incentive not received inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isnt my account I never applied or opened a flex shopper account please help remove it
Product: Debt collection

I was enrolled at XXXX XXXX. I was awarded {$6100.00} in pell towards my tuition of the 1 quarter totaling {$5300.00}. My first distribution of the grant was applied XX/XX/XXXX totaling {$3000.00}. I started XXXX schooling XX/XX/XXXX leaving myself and other students to pay for books, XXXX, XXXX, XXXX XXXX XXXX, and vaccine boosters out of pocket. My grades suffered from constant financial worries. I met with my instructors requesting tutoring. I also requested to have academic accommodations and met with the XXXX administrator/coordinator who refused to provide appropriate accommodations recommend by my XXXX  even after receiving written documentation of proof of learning XXXX and XXXX. XX/XX/XXXX I met with the XXXX admin again regarding my grads. She stated I needed to make a choice between working as XXXX XXXX and attending XXXX school. At this point the school had received my financial aid, but still did not apply the pell grant to my account. This class is consider an " adult learner program ''. I stated I can not quit my job, I already had to cut back on my hours to attend XXXX school full time. I'm only available to work Saturdays, and Sundays. I'm also a XXXX  mother with a mortgage, car payment and trying to pay for XXXX school out of pocket. The admin said there was no possible way for me to get my grades up and asked I turn in my student badge forcing me to withdraw. Asking an adult student to resign from their job is not only extremely troubling, it's incredibly irresponsible. I'm requesting there more transparency for future students/XXXX. We are in a XXXX shortage in the state of PA. Impractical XXXX programs offered in this state is ONE of the many reasons why. On XX/XX/XXXX I received a letter from XXXX  fiscal operations stating I had 30 days to pay my balance of XXXX in full to the school. They applied {$3100.00} of pell to my balance of XXXX, even through I received {$6100.00} in pell. At this point in time the pandemic was in full swing, I had lost half my salary to budget cuts leading to the removal my administrative position. I was placed back in the field as a XXXX assistant working as crisis response to the pandemic. The balance owed to XXXX was sent to XXXX  Johnstown Credit Bureau. I received a notice stating I owed them {$3200.00} ; a {$1000.00} increase than what was said was owed to the school. I attempted to dispute and settle the school refused a lessor amount. I offered to pay the original amount of XXXX in full. The bureau took my request to the school board they again refused my offer. Today I paid the total amount of {$3200.00} plus a {$25.00} processing fee. They said if I paid another {$50.00} fee to have this debt removed from credit completely. I asked if they could have the fees waived because I was paying in full. The credit bureau refused. Any guidance regarding this matter is greatly appreciated.
Product: Credit reporting

This Georgia State Tax Lien should be removed from my credit report. It was paid and was reported as a lien in error. I contacted XXXX XXXX and they stated to me that it was up to the credit reporting agency to remove. 

This Georgia State tax Lien should be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent dispute to XXXX XXXX XXXX to update/correct several errors on my credit file that are negatively impacting my score and rating. I provided receipts and proof of payments made and instead of truly investigating they replied less than 12 hours later with Disputes Closed and status updated when all of the information is still wrong. 

XXXX XXXX XXXX  XXXX was paid in XX/XX/XXXX for a loan that was in collections but they are still reporting the balance as owed. 

XXXX vehicle loan has been paid in full for the {$28000.00} loan on time never late and has a XXXX balance it was left on there owed impacting debt ratio negatively. 

Credit card balances for XXXX XXXX and XXXX XXXX XXXX XXXX was left at high balances when they are all paid. 

XXXX XXXX is left at over {$4700.00} when the balance is {$1700.00} XXXX XXXX is left at over {$4500.00} when the balance is {$2500.00} Capital One bank agreed to a pay and delete of a collection account but is still reporting this as negative for the past several years but disputes and documentation never fixes. 

XXXX XXXX XXXX falsely put a collection on my credit with no notification to me, when I saw it they told me it was XXXX XXXX. I called XXXX who told me it was an error in my cancellation of my policy. I fixed it with XXXX the original creditor and paid them directly. Yet the debt debt for XXXX XXXX is on my file even though I knew nothing of them before they attached to my credit. XXXX agreed to delete due to error but they will not they are still reporting it as a negative account. I provided a paid receipt. 

XXXX did not investigate these disputes they simply falsely stated that all of the information meets Fair Credit Reporting and sent it back. Had they truly investigated they would have fixed all of these true errors in balances and payment statuses. They are fraudulently maintaining bad credit ratings and negative information that is causing people like me to suffer even though we are paying bills on time and have paid off bad debts. Because of this I can not buy a home or finance medical loans needed for medical procedures for my very sick spouse. I paid all of these bills and debts to do the right thing but the credit bureaus will not correct the errors.
Product: Mortgage

in 2010 the mortgage go said I owed XXXX in back taxand raised my payment up to an amount that wasimpossible to pay asked for a mortification theywould postpone it say something was outon an on for 5 years to eat up my equity. 
2 I want the mortification3 I have XXXX letters to prove it4 I feel it is a scam to get money from the gov. 
5 who can I review this with
Product: Checking or savings account

Ally Bank sent me an email for a promotional bonus if I opened a checking or savings account and set up direct deposit. The account had to be opened by XX/XX/XXXX, direct deposit had to be set up by XX/XX/XXXX and the promotional offer of a {$250.00} bonus was to be deposited in the account if it remained in good standing on or by XX/XX/XXXX. I followed all rules of the promotion and still have not received the bonus I was promised. I have called the bank several times over the last several weeks with no resolution. They continue to tell me they have escalated my request and someone will get back to me. I called the bank on XX/XX/XXXX at XXXX XXXX CT, XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX Each time I spent over an hour on the phone with the bank. On XX/XX/XXXX my call was escalated all the way up to a supervisor. Her name was XXXX. She escalated my case ( # XXXX ) to the executive customer relations team. She stated this was the highest level it could be escalated to and that someone would reach out to me in 0-2 business days. It is now XX/XX/XXXX XXXX XXXX and I am speaking to XXXX again because they have not called or attempted to reach me by email. Again, they said they will escalate my request and someone will get back to me in 7-10 business days. This is not acceptable. They continue to try to ignore the issue by telling me they will get back to me, but nobody has. They are attempting to not pay the bonus that was promised. This is false advertisement.
Product: Checking or savings account

I am writing to request urgent assistance with a XXXX payment issue involving my account at Chase. Below is a detailed explanation of the situation : My father, XXXX XXXX, passed away on XX/XX/year>. 
My aunt, XXXX XXXX, sent me {$650.00} for funeral expenses. Additionally, my cousins husband, XXXX XXXX XXXX XXXX XXXX son-in-law ), sent me {$250.00} because I was short for the funeral costs while waiting for a XXXX ( XXXX  ) withdrawal to process. 
My XXXX ( XXXX  ) payment and paycheck both posted to my account on XX/XX/year>. On the same day, I sent my aunt XXXX XXXX payments : {$650.00} and {$250.00}. 
I later learned that my aunt no longer had the phone number associated with her XXXX account listed in my records. She informed me that she never received the payments. 
I contacted Chase customer service, and a representative informed me that the recipient of my XXXX payment was a Chase cardholder. I was told the recipient simply needed to confirm that the funds were received in error, and Chase would credit my account. Chase temporarily credited the {$900.00} back to my account. 

To ensure I had the correct XXXX contact, I sent my aunt {$1.00}, confirmed she received it, and then sent her {$890.00}. However, shortly afterward, the {$900.00} was debited from my account again because Chase claimed they could not contact the recipient who had mistakenly received the funds. 

I then spoke with a supervisor named XXXX, who said she could not verify the name of the representative I previously spoke to. XXXX informed me that Chase could not assist further because the payment was " authorized, '' despite the fact that I did not knowingly authorize it to go to the wrong recipient. I also did not receive a standard XXXX confirmation text, which I typically receive for other transactions. 

I explained to XXXX that this is a significant amount of money ( {$900.00} ) and emphasized that I would never knowingly send funds to a stranger. Despite my XXXX years of being a Chase customer, I was told that nothing more could be done. She even suggested I close my account, which I found highly unhelpful and disrespectful given the circumstances. 

This situation is entirely out of my control. I have any documentation needed to support my claim, including transaction records and communications. I respectfully request that Chase reevaluate this matter and assist me in recovering my {$900.00}. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit card or prepaid card

I was declined for an XXXX store credit card which I qualify for based on my income and credit. 

However, I received a letter that due to my age and the fact that I have a recent address change ( purchased a new home ), I was declined which is discrimination against me based on my age, and both my income and credit score should have me approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. XXXX is the company that is reporting this to XXXX, Experian and XXXX and they were not able to remove it on the report. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

On XXXX I reported inaccurate information on my Transunion report . The XXXX XXXX listing that I owe {$71.00} in collection/charge off is inaccurate. I Challege the accuracy of this listing. This account is involved in litigation. I have not supplied proof under estoppel by silence, Engelhardt vs. Graven ( mo ) 281 sw715 719 I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. I request for original contract with my signature and any payment history be produced. I am formally requesting immediately that the inaccurate listing be deleted from the credit profile Transunion holds under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. You are reporting a different information from other bureaus. This account is only reporting in your bureau. If your record keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately : XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance Owed : {$720.00}. Please provide documentation that these accounts belongs on my credit report and that my rights have not been abrogated. Otherwise fix this damaging data immediately.