23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

on XXXX. My account was transferred from XXXX XXXX to XXXX XXXX XXXX XXXX. When this happened, My account was listed as CLOSED with all credit reporting agencies, Trans Union, XXXX, and XXXX. On XX/XX/XXXX, My account was added back to XXXX. In XXXX of XXXX, my account was added back to XXXX. As of Today XXXX. 14 months later, My account is still not on my Trans Union credit report as an Open account. It is still CLOSED. I have made ALL payments on Time. I have contacted the credit union directly multiple times. Evidently the employees I have spoke to Do not clearly understand what they need to do to fix my credit report. It is not the reporting agencies that have the issue, it is XXXX XXXX XXXX XXXX XXXX XXXX that has the issue with reporting my account correctly. I recently checked my XXXX report and saw that the balance on my account had not been updated since XX/XX/XXXX. I sent a dispute through XXXX on XXXX for the balance to be updated. On XXXX I received notice that the account was Closed. The account is still Open with a balance. 
Currently only my XXXX report is correct. 
The last time all of my reports were correct was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Credit card or prepaid card

On XX/XX/2022 my card was stolen and multiple transactions were made on my card. The total in fraudulent charges was {$380.00}. I filed a claim that they declined, they said that I had to submit another claim which I did and they still declined. There were XXXX transactions a quick trip in the amount of a {$200.00} on XX/XX/XXXX XXXX on XX/XX/XXXX in the amount of {$15.00}, {$10.00} and {$2.00} also XXXX XXXX XXXX for the amount of {$32.00} and {$10.00} and at XXXX 's for {$9.00} I filed a police report which I emailed to them and they still declined this claim.
Product: Checking or savings account

I opened a checking account at M & T Bank in XXXX of 2017 at their branch on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I used a promotion code ( XXXX ), which promised {$200.00} dollars after direct depositing {$100.00} or more into a checking account. The woman who helped me open my account at M & T assured me that I was eligible for the promotion and that she included the promotion code in the computer system at the time of opening my account. I arranged the direct deposit within the required 3 months and, as per the promotion, I expected to received my {$200.00} within 3 months of having my $ 100+ direct deposit go through. A direct deposit of {$100.00} went through on XXXX XXXX, XXXX. Three months later, I still had not received my {$200.00} so I called the bank branch. A representative asked me to email them the coupon I had to see the code. I obliged and the woman said that the promotion had a computer-based system with names in it of people who are qualified - apparently my name was not in the computer system. 

However, if this were the case, the M & T representative did not inform me of this when I first opened my account and even assured me I was eligible. Furthermore, the coupon mentions nothing about a computer-based system with eligible names ( I attached it to this complaint ). After mentioning this to a representative over the phone ( working at the branch where I first opened my account ), she told me she would call me back after looking into the matter. I never received a phone call or a message/email back from the representative and I never received the {$200.00} per the promotion.
Product: Credit card

I received a credit card from Bank of America that I did not request. 
( card # XXXX ) Exp XX/XX/2020 )
Product: Credit reporting

I contacted Portfolio Recovery in earlier XXXX after I became aware that they were the collection agency that own XXXX of the XXXX accounts listed on my credit file that do not belong to me. As of today I have n't received any of the requested information, although the letter was delivered XX/XX/XXXX XXXX? XXXX. 
According to the information being reported in the account which was supposedly opened in XX/XX/XXXX with a date of first delinquency of XX/XX/XXXX, unfortunately without the assistance Portfolio Recovery, I can not take any concrete steps to have the inaccurate information remove from my credit file. Not only the company ignore my request, the debt was validated with XXXX on XX/XX/XXXX reported as if it was a new delinquent account. 
I recently start new monitoring services with both XXXX and XXXX, I have received multiple alerts that I recently fall behind on payments ; however after I logged into my account, I could not find the source of the alerts without buying a new credit report, since I already get my free report for this month. This morning I received an alert from XXXX after carefully review my report I realized that the reason I was getting this alert with affected my credit score is because the disputed charges were being validated and reported as if they were not only valid but delinquencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that I filed a Bankruptcy on XX/XX/2016. I have never filed a Bankruptcy on XX/XX/2016 and I disputed it with them and they came back with a result that the information was confirmed and verified. I requested the information of who they called because they advised they called the court house to verify. Then they said well we didn't call we contacted the court via the computer system. I advise that the information is incorrect so there is no way they could have verified it. Then they proceeded to tell me they walked in to the court house and retrieved the information, so I asked again who they spoke with. Then they told me they did not have that information in their department.

I would like the bankruptcy removed from my credit report as they are reporting inaccurate information on my credit report. I allowed them the 30 days to investigate, and they did not as they just came back saying that the information was accurate. The information is NOT accurate therefore under my FTC rights, the account has to be removed from my credit report.
Product: Debt collection

Today I got an email saying that {$30.00} was debited from my bank account using my debit card by a company Called Choice Recovery in XXXX, Ohio. The email said it was for a purchase. I never gave them permission to take that money and I looked at my credit report and they are not even on it as a debt I owe. I have no idea why they took my money. I want my money back. I have no idea what this is about.
Product: Debt collection

FIRSTPOINT COLL RESO has been sending me collection notices in the about of {$480.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Payday loan, title loan, or personal loan

I was paying my loan. I was sometimes late but, was faithful. I paid for the month of XXXX, XXXX and I received a receipt with balance of XXXX and some change. Well I was late paying XXXX and I was going to pay it until they told me that I owe XXXX. I was concerned about this issue and I decided to send in a complaint to find out if you can assist me in this matter. Thanks for Your Attentiveness XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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, credit repair services, or other personal consumer reports

FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ALLY FINCL {$0.00}
Product: Checking or savings account

It was a forced ach adjustment and then they took it out of my account XXXX and they werent truthful about the amount that went in XXXX and when I called they either escalate the call or just transfer without knowledge or who they transfer me to
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service, which violates the Consumer Financial Protection Act. The company failed to address fraud in a timely manner multiple times. Their dispute resolution process was also unfair, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have significantly impacted my financial well being, as well as inconvenienced my ability to transfer money ; I seek appropriate action for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a certified letter to XXXX XXXX XXXX requesting the send a letter of validation. The company only sent 4 out of 7 things I requested.
Product: Debt collection

XX/XX/XXXX :. I sent a check to Afni for XXXX for an account that was sent to collections by XXXX/XXXX. I got another letter for a bill for {$59.00}. I sent a check. Both checks cleared in XX/XX/XXXX. 
XX/XX/XXXX : I was trying to get service with XXXX. I was told that I had a past due balance of {$59.00} from XXXX. I sent cancelled checks from my bank showing proof that this account was paid in XX/XX/XXXX. I thought the issue was resolved because XXXX at XXXX investigated my account and informed me the payment was applied to another account. 
XX/XX/XXXX : I got a copy of my credit reports and there is a collection on my account from AFNI for {$59.00} from XX/XX/XXXX for a debt in XX/XX/XXXX. No one called me from this company or sent me a letter to let me know this account was in collections. I called spoke with XXXX and he attempted to mislead me saying the " check had bounced and that they had called me ''. Then he completely disregard my explanation and starting say " this is an attempt to collect a debt and ask me if I wanted to pay by check or credit card ''. I informed him that I will dispute this situation with the credit bureaus and I have. I also sent a copy of the cancelled check to AFNI at support recovery along with a copy of the my account to show that the checks cleared and I did n't have any NSF 's. This is an ongoing issue that is impacting my credit. I am upset with XXXX XXXX for not resolving the issue and AFNI for not giving me the chance to show proof of payment prior to putting this information on my credit report. Please help. BTW, my address has not changes in 5 years or my phone number and no one attempted to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Contacted Santander in reference to a vehicle loan in XX/XX/2020. The vehicle was totaled 2 years ago however after the insurance company paid them {$15000.00} Because of the extreme interest I still had a balance of {$8000.00}. Ive paid until until the Shelter in place order in GA came up. I called them in good faith to settle this account since I dont have the car and just want to make good, but was denied a good option. I sent a request on Social media ( XXXX ) and to spare themselves the publicity someone reached out promptly with an option of reducing my payment by {$1.00} per month. I reached out again on XX/XX/XXXX and to escalate this matter and yet to receive a response in which I received an automated response stating Someone will contact me in 24 to 72 hours and weeks later nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and EQUIFAX to verify these inquiries. They have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and XXXX XXXX XXXX ( Bank )
Product: Credit reporting or other personal consumer reports

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXXXXXX XXXX  XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX Bank Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Bank of the West changed my " XXXX '' account to " XXXX '' in such a haphazard manor that I was unable to reconcile my account for 2 weeks. Instead of letting the " XXXX '' charges be recorded when I actually use the card, they transferred the most of my XXXX   charges to " XXXX '' before I ever started using that card. They did not just transfer one lump sum, they did a partial line by line transfer, then an undefined and unrecoognizable cumulative transfer. I don't think it was their intention to send me any further statments reflecting the activity on the " XXXX '' account, but it took me a lot of phone calls and a lot of waiting to finally get one - and it was very messy to work with. I was then able to reconcile this account, but then had to make another call and wait a long time to get them to transfer a {$200.00} credit that they had neglected to do. 
Their phone lines were excessively busy and it makes me think that I am one of very many unhappy customers. 
In summary, what should have been a very simple process for all concerned was turned into a nightmare because of a poor, clealy unhelpful, and maybe an illegal, accounting process. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my investigation results and saw some accounts were verified. However, I have a few questions : How do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. Also, I have included proof of inaccuracies with a copy of an inaccurate credit report. At this point, you are knowingly violating the Fair Credit Reporting Act and my consumer rights. One more thing, i was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any small claims action. I am also including a copy of my complaint to the following organizations : CC : XXXX XXXX Assistant Director of EnforcementConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC. Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXXC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit card

Order placed XX/XX/2023 on XXXX ( {$150.00} ) for device that wasn't delivered the next day. I did contact the merchant ( XXXX  ) regarding no delivery, if delivered a proof of delivery. XXXX provided a picture of a random door that wasn't mind as proof that it was delivered in the right place. Then was proceeded to file a police complaint if I never got the package. Police deemed that if proof of delivery doesn't show my door as delivered, this can not be marked as a stolen package. Proceeding to file a dispute with my credit card provider ( Apple Card ) I gave all details and showed lack of delivery proof ). To which I got denied 3 times ( siding with merchant ) with no documentation from Apple showing what they found out that led to the decision!
Product: Credit reporting, credit repair services, 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 : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.