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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in XX/XX/2023 email and letters. Notice and demand were sent by email no response after the 72 hour window. Dispute letter sent and no response within the 72 hour window to all three major credit reporting agencys. XXXX, XXXX, Equifax. Were produce detail and accounts with missing and or incorrect information. Fraud dealing with inquiries which I never consented to and personal information and credit reporting information either out of date and incorrect which goes against the metro 2 guidelines and is stunting my financial growth and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX of disputed information : XXXX XXXX  Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Inquiry Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.
Product: Debt collection

Rude and abusive. Reported a debt over 7 years old to all three credit agencies. It was a debt that was paid in 2018 by another debt collector. After speaking them I asked for an email to send the proof. She gave me the email and then blocked my email address from sending roof. This was an unfair practice
Product: Credit card or prepaid card

I booked a hotel room through XXXX, for a hotel room in XXXX XXXX, IN. The 1 night stay was on XX/XX/2018. Upon arrival, the hotel staff charged my ( CITI credit card ending in XXXX ) for XXXX and stated that it was just to cover incidentals, which I know is normal, however it was never refunded even after being told it had been refunded. My credit card is stating that it was a legitimate charge but that the XXXX charge was never used so they took it upon themselves to initiate a dispute for that amount of XXXX ( CITI card ending XXXX ). The amount I paid on XXXX was the correct charge but the hotel and the credit card company will not reverse the charges that the hotel charged for the same stay. I have tried numerous times to get corrected since that date and even have email where hotel reported having refunded the money, however, it has not been placed back on my card ( XXXX ). I have documentation showing the numerous times I have tried to get corrected.
Product: Credit reporting or other personal consumer reports

I am requesting My payment history to be deleted from all 3 credit experian, XXXX and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XX/XX/2023. I Lost my XXXX grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app due to inadequate customer service and unfair practices which violates the customer financial protection act pacifically Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with arrow resolution requirements under the electric fraud transfer act and regulation E these actions have caused significant inconvenience and financial laws, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit filed has been hacked twice I have already faxed over 19 documents proving my identity on XX/XX/2023 and my account has been hacked 48 hours later which is today XX/XX/2023 for eight hours at the XXXX  was fixed XXXX make it very difficult to access your account. They also allow anyone to go into your account and change your contact information and to intercept all communication I can not complete a forgot password because this person changed my email address, and my password and is very impossible to speak to customer service and very impossible to recover my account. Im afraid I may be a victim of identity tax fraud/possibly a duplicate tax return maybe file one for me and one from the fraudster with me XXXX XXXX XXXX  Social Security numbers XXXX and also credit cards and make accounts open in my name. One account was already open my Bank of America and I had to have it flagged for fraud and XXXX down,  and XXXX as well. XXXX make it very easy for your account to be hacked. Do not create a membership with XXXX. I have no issue with XXXX fax or XXXX XXXX a matter how hard or difficult can you create a password on your account or email address they make it very easy for hackers to hack you XXXX credit report and lock you out and you are treated like a suspect with XXXX. They will not shut down the fraud account until you are verified by mail or fax and until they actually get to your paperwork by mail or fax proving your identity this person has already committed at least seven days or more worth of fraud on your account. This is the second time Ive been hacked. I had to pull my identity once again 48 hours later via fax I faxed over 19 dock XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This person keeps hacking my file this is gon na be ongoing problem with XXXX over documents, keep getting locked out, contact information changed, calling customer service every 48 hours to recover my account, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX  {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of Education/XXXX {$0.00} XX/XX/XXXX
Product: Vehicle loan or lease

My lease contract ended on XXXX XXXX. After speaking to the lease return department, I was advised that I could extend my lease for up to 6 months in 2 month increments. I was told that if I do not return the car the car would go on automatic extension and I didn't need to do anything. Sometime in XXXX, I was contacted by GM Financial asking whether I returned the vehicle. I was advised that extensions needed to be approved and that I needed a reason for extending. I explained that due to the pandemic, I am out of work and would not qualify for a new lease leaving me with NO form of transportation. I asked for more time to get employed so that I could secure a new car. I was approved until XXXX and requested another two months. They advised that now I needed to sign documentation. The documentation was emailed to me. I explained multiple times that I do not have access to a printer and would like to have the documentation mailed out instead. On XX/XX/XXXX they finally decided to mail the document to me. Upon receipt I would sign and email them a copy. At that point I could request another extension, and per the representative, my reasoning was valid and she didn't see any reason why I would be denied. Today, XX/XX/XXXX I receive a call saying that I need to return the vehicle and that my request for a new extension would be denied. Every conversation with GM Financial has been such a headache. Different representatives tell me different and inconsistent information. They do not read the notes on file, and continue to berate me for simply requesting an extension, which is allowed and stipulated in my contract. Many families have been affected during this pandemic and I really can not understand GM Financial 's inconsiderate, unrealistic, and unlawful treatment of it's customers. My husband uses the vehicle to get to work. He is the only individual working in our household. The representative was rude and showed no compassion, and even said that because I am not working that is even more reason to return the vehicle, to alleviate financial stress. That is not their concern. It's the only way for my husband to continue working and pay the bills. The vehicle is paid every month and her response was distasteful and disrespectful. I don't understand what changed since my last conversation with GM Financial. I haven't even received the documentation in the mail yet. Supposedly I am not able to request an extension without sending over the signed documentation. And yet they're able to deny my request? I don't understand. They won't put in my request for extension until they receive the documentation but they already know they will deny it. That is illegal.
Product: Credit card or prepaid card

Hi, I was contacted a few years ago by a collection agency saying I was a co-signer on a defaulted store TD Bank Retail Services store credit opened in XXXX. I had no idea what he was referring to as I have never cosigned on a loan before. When he mentioned the borrower, I knew who that person was. However, I advised the creditor that I never agreed to be a cosigner and do not know the " XXXX XXXX XXXX XXXX '' store where the credit was opened in. TD Bank then placed a default on my credit seriously impacting my credit. 

It's not possible for TD to have an application on file with my valid signature authorizing me to be a co-signer since I have never been to XXXX XXXX XXXX XXXX '' I filed a complaint with TB bank on XX/XX/XXXX, after I noticed the " charge off '' on my credit reports and requested the remove this from my report. After not hearing from them after several follow-up attempts, I filed a complaint through the credit agencies on XXXX. In XX/XX/XXXX I received a letter from TD that saying that my case was denied citing : Account history indicated prior knowledge of the account and that payments were being made to it back in XXXX. 

I was first made aware of the loan only after the call from the collector and I never paid a XXXX to it. It's impossible for the TD to have any legit signature of mine authorizing this credit. I have made attempts to reach out to the Fraud Risk Specialist on the denial letter, XXXX XXXX XXXX XXXX : XXXX ) but have been unsuccessful. TD has not provided any information that shows they have me on file authorizing me to be a co-signer.
Product: Credit reporting or other personal consumer reports

On the date I initially reached out to this agency via XXXX  mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with XXXX  report numbers XXXX, XXXX, XXXX, and XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than XXXX XXXX  days after the agency receives : ( XXXX ) adequate proof of the consumer 's identity ; ( XXXX ) a copy of the identity theft report ; ( XXXX ) the consumer 's identification of the disputed information; and ( XXXX ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified XXXX XXXX  days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank is saying that I owe on a loan that I never took out this loan was opened when I was XXXX on a XXXX XXXX for over a year I never signed or opened a loan at regions Bank regions Bank can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking regions Bank to court and Sue them for my lawyer fees and my light detector test regions bank has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make regions Bank pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which regions Bank will have to pay my lawyer fees and for the lie detector test result I present in court
Product: Credit card or prepaid card

On XX/XX/2021, I paid off my Chase credit card in the amount of {$14000.00} ( the payment was due on XX/XX/XXXX, but I was awaiting the last of my funds to register in my bank for the payoff ). On XX/XX/XXXX, I was charged an additional {$160.00} in interest, two days after my payoff was posted and completed. 

I have requested with Chase that they look into this ( XX/XX/2021 ), and was given the explanation of " Since the full statement balance of {$14000.00} was not received by XX/XX/2201 due date, interest charge of {$160.00} was assessed on your account. Even if you pay that balance in full, you'll be charged interest from the date the last statement closed until the payment for the full balance on the account was received. '' ( Sadly, the poor wording is in their response to me, not in my relay of the response. ) They also give a long explanation that this decision is " based upon compliance with applicable terms of our card member agreement ''. I'm frustrated, and believe that this is an unfair business practice, that a one-day late payoff ( if it was just a payment toward the account, I would fully understand ) results in {$160.00} in interest two days after the payoff was made. Had I seen any additional charges at the time I made my payoff, I would have paid the entire balance - but this amount was the entire balance, stated online, to be paid.
Product: Checking or savings account

Hello, I had a checkings account in Chase Bank and I have over {$1100.00} in this account. I tried entering my account and it says " It looks like you don't have any accounts to show ''. I can't find any information on how to solve this problem. I live abroad, I live in XXXX and I can't go to a branch to try and solve this. 

Please help. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover- XX/XX/2013 not belonging to me.
Product: Vehicle loan or lease

I purchased my truck XX/XX/XXXX. My monthly payment is {$890.00}. I made 2 payments totalling {$900.00} well before my due date of XX/XX/XXXX. The total interest taken out of these 2 payments was around {$330.00}. I asked to change my due date to the XXXX, so my mortgage and car payment would come out of separates paychecks. I made 3 payments XXXX, XXXX, and XXXX, once again totalling {$900.00} and again before my payment was due. They applied the whole monthly payment of almost {$900.00} to interest. How is that even possible when the first month, the principal was higher. I called 3 times now about this and there is still no update from " accounting '' which I have been told is supposed to review it. Each time the representative told me it's a simple interest loan and that's how it works.
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 SYNCB/ SYNCHRONY NETWORK I looked at my XXXX credit report on ( XX/XX/scrub> 2025 ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding their failure to accurately report my account information to the credit bureaus and their violation of a pay-to-delete agreement. 

On XX/XX/year>, I settled my outstanding balance with XXXX XXXX XXXX XXXX XXXX in accordance with an agreement that specified the debt would be removed from my credit report upon payment. However, despite fulfilling my obligation, the company has failed to delete the account as agreed. Instead, they only reported a settlement status, which negatively impacts my credit report. 

Additionally, my right to have my credit report accurately reflect the dates payments were made has been violated. The attached document, dated XX/XX/year>, confirms my settlement, yet the company has refused to ensure timely and accurate reporting. This failure to uphold the agreed-upon terms and their legal obligations under the Fair Credit Reporting Act ( FCRA ) has caused unnecessary damage to my credit standing. 

I request the CFPB to investigate this matter and ensure that XXXX XXXX XXXX XXXX XXXX : 1. Removes the account from my credit report as per the pay-to-delete agreement. 
2. Corrects any inaccurate reporting, including ensuring proper updates to payment dates. 
3. Provides an explanation for their failure to follow through on the agreement.
Product: Checking or savings account

We received an official Cashiers Check for my nieces birthday from her father. She completed a mobile deposit for this check into her account. The amount of the check was {$500.00}. We received an email from CapitalOne first saying that the check was suspicious and the deposit was held based on this. We then received a notice that the check was being processed and we could destroy it. 

When I called to clarify what was happening, the representative confirmed that it was under processing but wouldnt clear until XX/XX/24. As this is an official cashiers check, it should be within 1 business day per Reg CC but the individual was insistent that there was nothing that could speed it up. When I asked for escalation to their executive office she first told me its have to write in. I had to push to get her to file a complaint and have it escalated, even having to cite complaint standard requirements. She told me then that it could take up to 30 days for a response.