23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a credit card with XXXX XXXX. I authorized the card to be paid monthly from my XXXX XXXX   account Unknown to me, XXXX transferred my credit card to TD Bank. 

I saw a charge on my XXXX account for XXXX from TD Bank on XX/XX/20. I went to XXXX and filled out a form to dispute it, as I did not knowingly have a credit card from TD Bank. It was reversed on XX/XX/20. 

On XX/XX/20, there was another automated withdrawal from TD Bank, this time for XXXX. I later found out that that amount included the previous amount of XXXX, plus XXXX charges and interest. I told XXXX not to accept any charges from TD Bank, and tried to dispute it, but XXXX said I had to come in in person to fill out a dispute form, which I didn't want to do because of COVID-19. On XX/XX/20 they decided to reverse it without me going in person to the bank, which I didn't realize until later. 

On XX/XX/20 I realized that the TD Bank credit card was actually the XXXX XXXX credit card, and that the charge was valid, and I immediately wrote a check # XXXX for {$6.00} which includes another {$1.00} in fees. I contacted TD and offered to not ask XXXX to reverse the charge if they would remove the XXXX fees and interest. They agreed, and sent me a check for {$3.00}. 

On XX/XX/20 TD again charged my account for {$5.00}, which XXXX reversed on XX/XX/20, because I had previously told them not to accept charges from TD Bank. 

I can provide a copy of the check cashed by TD Bank. 

( 1 ) This mix-up was entirely TD Bank 's and XXXX XXXX  's fault. I was not informed that my XXXX XXXX credit card had been changed to a TD Bank credit card, so I did not recognize the automatic withdrawal from my XXXX XXXX checking account. Which is why I had the charge reversed. 

( 2 ) I paid the entire amount via check # XXXX as soon as I discovered the problem, and TD Bank cashed the check. 

( 3 ) TD Bank agreed not to charge me interest and fees as it was their fault for the mix-up. That's why they sent me a check for {$3.00}. 

( 4 ) I paid the entire amount due of {$3.00}. However, if TD will agree to remove the negative mark on my credit report, I will pay the additional {$3.00} in interest / fees. Since XXXX XXXX  did reverse the charge on XXXX because I had originally told them that a charge from TD Bank wasn't valid. Although I didn't know that XXXX would actually remove the charge without me going in person to fill out a dispute form, as they had said that they would not, but they apparently changed their policy due to COVID-19.

Please note that this is COVID-19 related.
Product: Consumer Loan

My name is XXXX XXXX and since 2004 I have been paying {$190.00} per month on a loan amount of {$10000.00} to, XXXX XXXX, but now to Springleaf Financial. 

My Annual Percentage Rate ( APR ) is 15.99 %. My Account # XXXX presently only allows me to make an ACH loan repayment monthly in the amount of {$190.00} on the XXXX of each month from my XXXX XXXX XXXX XXXX XXXX XXXX checking account. Now I have been informed by Springleaf Financial that my : * Credit Limit is $ 0.00* Available Credit is {$0.00}. 

When I originally set up this loan, I was provided checks to write against my " Available Credit '' and make purchases accordingly. Up until Fall 2014 that was still the case. Now I am not able to write any checks or requests any monies against my " Credit Line ''. I was told by a Springleaf Representative that this was caused by my poor credit rating and my inability to make minimum payments to my other credit cards in which I have gotten behind on, by not making timely payments. 

My complaint is that I have made on time monthly loan repayments to Springleaf Financial over the years and that I should not be penalized by Springleaf for my inconsistent credit card payments with other companies. 

Also, if I do not have a credit line that I may access and I am not allowed to re-negotiate the terms of my loan, then I asking CFPB to give me some guidance and a way-forward out of this non-benificial loan for me.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Consumer Loan

I sent a wire on XXXX XXXX, 2015 to Green Tree Serving LLC, in the amount of {$530.00}, to payoff balance. My XXXX payment of {$150.00} was debited from the account on XXXX XXXX, 2015. I received a reimbursement dated XXXX XXXX, 2015 and I deposited the check into my saving account, on XXXX XXXX, 2015. They placed a stop payment on the check XXXX XXXX, 2015. I have been calling for almost a year to get my refund.
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate late payment reported on my XXXX loan account Account XXXX # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to Experian requesting removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ) specifically Section 605 ( b ) which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 
OPENED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
NOT MINE DON'T NOW ANYTHING ABOUT THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : 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, credit repair services, or other personal consumer reports

An attempt to make payment for the month of XX/XX/2019 was unsuccessful due to inability to access account with regular credentials after countless tries. I was without cell phone reception on and off for days due to travel. I was finally able to gain access to account after making a password change. When I saw the remaining balance .... it was my immediate reaction to pay the entirety of the remaining balance. Mostly to avoid anymore account accessing issues. Very frustrating. I was elated to have the account in good standing and finally closed. Until ... I received emails months later stating I had a balance. Unable to gain access to the account to resolve issue financially, I called. Over the phone I explained why payments werent made. We settled the issue with the agreement I would pay {$89.00} as a final payment. I have received a receipt for transaction. This receipt contains NO indication that this account is now closed. 
I had no way of knowing if this account had gone to collections or not. As both comenity XXXX XXXX and XXXX XXXX patient solutions sent me updated information about my account and payments via email since the establishment of this account. 

I was unable to make my first payment without calling. I was then directed to a website that was not indicated on my statement. Comenity.netXXXX From which I made an account and began making payments monthly. 
I received this loan for dental
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. I sent my 3 verification letters on XX/XX/XXXX  here are my tracking number for all 3 credit bureaus : # 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 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.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> i do NOT recognize these credit collections and inquiries and l have ask them to be removed and the creditor did NOT remove them. i am providing an identity theft report and i am requesting that they be remove/deleted because they are inaccurate and not mine due to fraud 15 USC Code 1692 b Account involved in litigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( XXXXXXXX XXXX ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( XXXX ). Specifically Cash App failed 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 resolution regulation requirements under the electronic fund transfer act. ( XXXX ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Yesterday, XX/XX/2021, I C System reported a debt collection on my credit. I do not owe this debt. Today, XX/XX/2021, I called their customer service number, XXXX, and was given a reference number XXXX for my case. I asked them to provide me evidence that I owed this debt, and they were unable to provide any evidence, however refused to delete this from my credit. 

I am filing a complaint, because they are refusing to remove the derogatory remark from my credit, however this is not my debt, and they have no evidence that this is something I owe.
Product: Vehicle loan or lease

A vehicle was financed in my company name. It was a joint agreement between myself ( the personal guarantor ) and my business ( with the XXXX ). Our company switched structures from an XXXX to and XXXX and did a legal merger through the XXXX XXXX of XXXX. Due to switching business structures, that required me to obtain a new XXXX. Upon going to the XXXX to be issued tags this past XXXX, they were unable to register the vehicle into the new business name reflecting the XXXX. Both the original name, and the new name are exactly the same with the exception of the previous being an XXXX, and the new company being an XXXX. The XXXX requested the lien older, Ally Financial to email them an updated title to reflect this change. Ally, upon requesting this is refusing to do so, telling me to contact that dealership where the car was purchased to refinance the vehicle. Currently, I have tags registered to my truck to a business that legally no longer exists due to the merger and new XXXX. This can create multiple issues legally in the event of an accident and with insurance. Ally is now refusing to answer my last message sent to them, and that has been asked on the phone that no normal representative can provide any explanation to. I am unsure how this scenario is any different than a married couple signing for a loan, and XXXX person were to die, that loan would default to the surviving spouse. In this scenario, if this is a joint agreement, such as they told me it was, between myself and my company, and the company is no longer in business, or has merged ( in this case ), why the loan and title would not default to myself. Instead they are telling me to completely refinance the vehicle to solve this problem. I have no idea how they can refuse to convert this loan/title to me, who is personally guaranteeing the loan which I am the only legal joint survivor of the loan since the company no longer exists other than through the new merger. They are refusing to provide an answer or explanation to this other than " we don't do that. ''
Product: Debt collection

The credit company failed to follow proper federal credit reporting act prior to putting four medical debts on all credit bureaus. The medical debts were removed from my credit report, then put back on prior to following proper procedure. I had health insurance at all times in question.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : First Payment Was Never Missed : Contrary to the report, my first payment was made on time. I have attached bank statements and payment confirmations showing that the payment was processed before the deadline. This should not have been recorded as late. 
Clerical Error by XXXX : After contacting XXXX, it became evident that a clerical error was made when processing the payment. They mistakenly recorded my account as delinquent despite receiving the funds on time. I have attached correspondence with XXXX acknowledging this error and confirming the payment was made. 
Inconsistent Reporting : While TransUnion and XXXX both show a XXXX late payment, XXXX has no record of any delinquencies on this account. This inconsistency between the credit bureaus is further evidence that there is a reporting error. I have attached copies of my credit report from XXXX showing that the account is reported as current and up to date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ Credit Reporting Agency Name ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I hold a XXXXXXXX XXXX XXXX  which was issued to me and financed by my credit union in XXXX. The card is active and has been since that date whereas I make monthly payments. On XX/XX/XXXXXXXX  I made a {$150.00} payment on account. On XX/XX/XXXX, XXXX XXXX notified me of my new credit score from two of the credit reporting agencies, TransUnion and XXXX. XXXX was reporting my credit score to be XXXX ( a XXXX point increase ) due to recent payment made however, TransUnion was showing my credit score had decreased by more than XXXX points. When I investigated further, the TransUnion Credit Report showed the following information : " XXXX XXXX XXXX account removed from your file. Between XX/XX/XXXXXXXX  and XX/XX/XXXX, your credit card account with XXXX XXXX XXXX was removed from your credit report. Since this account is no longer on your credit report, it's details won't be factored into your credit score ''. 

Neither XXXX or XXXX were reporting this information, only TransUnion! 

I immediately contacted TransUnion via telephone to inquire why this had been done and they told me I needed to contact the creditor ( XXXX XXXX XXXX ). I contacted and spoke with XXXX XXXX, the manager at my financial institution who stated to me that his bank reports directly to XXXX and could not explain why TransUnion was showing this info because the information he has on file shows the card to be active and in use.. 
I then filed a dispute with TransUnion explaining this and requested that they correct their report and reinstate this card as it is active. Rather than reverse their finding and admit to an error, they deleted the disputed item! After receiving the Dispute Results from TransUnion, I initiated a 3 way conference call between myself, XXXX XXXX XXXX, Account Manager at XXXX XXXX XXXX and TransUnion representative XXXX, whereas XXXX XXXX reiterated the fact that his financial institution did not initiate or authorize removal of my XXXX XXXX XXXX from any credit reporting agency and whereas TransUnion rep, XXXX, stated she would refer my file to their Special Handling Dept who would contact me within 72 hrs to correct and reinstate my credit card info to my credit report. When I called them back to follow up on XX/XX/XXXX, the Supervisor, XXXX, told me that I would have to have credit union call them to reinstate. I explained that we previously had a 3 way conference call on XX/XX/XXXX, he stated that his team member 's ( XXXX ) notes did not reflect that info. I am beyond angry, I have done everything within my power to resolve this issue yet TransUnion is not taking any responsibility for a mistake that THEY made to my credit report causing my score to drop significantly because of their error which they will not correct!
Product: Debt collection

I have paid all my bills all my life on time and this company has badgered me without disclosing what the debt was for or the account number. They have placed a large lien on my credit without an account number or any notion on why I would owe but from google look to collect for phone companies and have more than 300 complaints for similar issues
Product: Credit reporting or other personal consumer reports

As Experian score is required by my lender, I tried to unfreeze credit profile. However, the ExperianXXXX  system is down and does not allow me to login or recover my login. 
I made over XXXX calls in attempt to resolve the issue and only find out robo assist kept selling me unwanted service and refuse address the technical login issue. On XX/XX/year> XXXX XXXX, I finally was able to speak to XXXX from dispute department. She kept referring me back to the process, robo assistant, that cant address my issue. Let me say this, your robo assistant sucks, your people are even worse and useless because they know the robo system not working and kept wasting customers time by pointing back to that. Lastly, when answer my complaint, please dont use generic answer from robo assistant! I have heard that 10x and not working. Do you homework, find out how bad your login system is. How ridiculous your customer service is. Try it for yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bluebird by American Express has a return from a hotel they are holding it for no good reason it's for {$150.00} it happened on XX/XX/XXXX from XXXX XXXX XXXX I just want money back.
Product: Credit card

Closed American Express account a few months ago. Have several return/credited items that posted after the account was closed and paid in full, for a total credit of {$260.00}. Have tried to get American Express to cut a check for the credit, but they have not cut the check.
Product: Credit card

On approximately XX/XX/year>, I received a credit card via XXXX XXXX from American Express that I do not recall applying for either by phone, by mail, or other means. Upon information and belief this card application was not authorized. The card was a XXXX XXXX co-branded card issued by American Express. 

On XX/XX/year>, I immediately contacted American Express via telephone on XXXX and advised them that # 1. I am refusing delivery of the credit card, that # 2. I believe this card was opened without my authorization and that # 3. I have a security freeze on my XXXX credit file due to identity theft that happened in the past and no credit card applications should be process unless I manually unfreeze the credit file which in this scenario was not the case ( my credit file was frozen and not manually unfrozen ). American Express then advised me over the call that they would close the card, and although they do not currently see any charges, I would not be responsible for any charges incurred. 

On XX/XX/year>, however, I received two separate letters of correspondence dated XX/XX/year>. The first states, in error, " We are writing in response to your dispute regarding the above account issued in your name. We have reviewed our records and are unable to accept your claim since you benefited from the use of this Card. '' This statement by American Express is blatantly inaccurate I refused delivery of such card.

The second letter states, also in error, " Check for the box for the item ( s ) requested, sign and mail this letter and items 1 & 2 in the pre-addressed envelope enclosed for your convenience. '' This statement by American Express is also blatantly inaccurate because there is no pre-addressed envelope enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Business account is reporting negative information to my personal credit account. I am not the person liable for this business account.
Product: Debt collection

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C