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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Bank account or service

I deposited XXXX {$1000.00} United States Postal Money Order to my Bank of America account ( XXXX ) with total of {$3000.00} on XX/XX/2016. Bank of America debit {$3000.00} from my account and closed it on XX/XX/2016. I spoke to the branch manager XXXX XXXX to find out why my account was closed. He said Bank of America did not received money from United States Postal Service but according to United States Postal Service, these XXXX money orders were cashed by Bank of America on XX/XX/2016. I have been calling Bank of America for last six months about this issue but they were not returning my calls. The Bank of America reference # for this case is XXXX. I have attached communication letters from United States Postal Service and Bank of America.
Product: Debt collection

I would like to dispute a collection account with Enhanced Recovery Corporation. XXXX XXXX XXXX originally held a {$69.00} debt for me over 4 years ago. I disputed with XXXX XXXX XXXX and was told that they would resolve it, yet, sold said debt to ERC. I have disputed this debt through XXXX and had it removed in the past, but ERC keeps reporting it. I last disputed with XXXX this week and was given a statement saying that the debt was valid. XXXX did not provide any details of the debt being valid. Also, the debt XXXX is showing says it was started in XXXX of 2014 which is also incorrect. The debt was originated over 4 years ago.
Product: Debt collection

I spoke to Transworld, and they said that the account is still being disputed. They advise sending documents to XXXX. They advised that we send the documents to XXXX directly. The required documents are a Police Report, ID, and proof of address. 

I spoke to XXXX XXXX to dispute the fraud account again ; however, they provided the same info. I asked if we could send an FTC report as an alternative to a police report, but they said they couldn't accept it. I believe that an FTC report is a valid document to support my claim.
Product: Checking or savings account

On XX/XX/year> I received a check from Bank of America XXXX in the amount of {$1800.00}. It indicated it was the compensate me for any financial harm. I incrued from XXXX. It also stated that if I would like to Ask for additional conversation for any other financial harm to please complete a submit request to their individual review processing of which I did. I included all supporting evidence documents from this period time. 
On XX/XX/XXXX XXXX XXXX XXXX I received a decision from the Bank of America XXXX department, which indicated that I would not be compensated for any additional harm for the reason being that the amount requested was not over {$15.00} of the amount sent to me already. Join this. The amount I lost but supporting evidence was as follows {$1000.00} for a dispute that on a claim that they indicated theyve had paid out to me which they did not. {$2000.00} for security deposit that I had lost after receiving a three day notice to pay or quit. The eviction process started shortly after and I was forced to move. I also have an outstanding balance with Department of Child Support Services during that. I had included {$1700.00} just on monthly interest for times and months. I do not pay during that period. I was forced to have my XXXX refund, garnished the following year and was forced to pay at all, and I submitted proof of that in addition to the statement. 
For them to finalize a decision of denial indicating that I was not over {$15.00} of the {$1800.00} sent is ridiculous. This is well over that Im out and they have no appeal process and according to them all decisions are final.
Product: Credit card or prepaid card

In XXXX of 2020 I bought a TV from Best Buy with my Best Buy credit card. XXXX was {$2000.00} on 24 months interest free promotion. I set up a {$100.00} auto draft to pay it off in time to not pay any interest. During the 24 months. I put a random purchase on the card, and turns out Citi Bank 's terms & conditions state that the auto-draft payment goes to the higher interest balance first. So it paid off those random purchases first. $ XXXX random purchase I wouldn't have done had I known this would happen. This caused me to miss the 24 month payoff and accrue interest for the entire purchase. I was under the impression my auto-payment was going to the main {$2000.00} balance first, not the smallest balance. This has caused me to have a {$2200.00} balance, over 2 YEARS after paying {$2400.00} to this balance. I called Citi Bank and they just told me there's nothing they can do. Best Buy said call Citi Bank they can't do anything either. 

A {$2000.00} balance right before XXXX because Citi 's terrible policy they have in place to purposely catch people up and force them to pay interest. It's a clever rule that other banks don't have, I work at a bank and have for a decade. 

I'm going to speak to my attorney and see what legal options I have, but wanted to reach out to the CFPB for help. I've had success before with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1666b 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. 
I NEVER gave You OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices.

You, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
account ending in XXXX. 
I was never late on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank, Target Credit Card refuses to report correct balance to Credit Reporting Agencies. I have warned Target Customer Service that they are ruining my credit score because they refuse to report the correct balance on time each month. Currently the entire balance has been paid off as of XX/XX/2023, and I filed a dispute twice with XXXX, and Target responded lying and stating that I owed them {$130.00}. I can prove with my bank statement that I paid the account off. It is very important that credit card companies submit the correct information each month to the credit reporting agencies. 
My credit score is low and I should have excellent credit with a much higher score over XXXX. I am now canceling the Target account after XXXX years of trying to improve my credit score and they continue to lie to the credit agencies. My next step is to file a lawsuit against Target for violation of the Fair Credit Reporting Act.
Product: Debt collection

American Express responded to my CFPB complaint on XX/XX/2021 accusing me about having another American Express account that was not maintained in accordance with the terms of the cardmember agreement which is why they closed my personal credit card and gold card. First off, I never authorized American Express to close any of the extension of credit I gave to them. Next, American Express shared my personal information ( name, home address, phone number, account number and more ) to multiple non-affiliated third-parties known as a person or debt collector such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my consent. Each debt collector has attempted to communicate to me by mail or phone. None of those persons or debt XXXXollectors were present during the initial consumer credit transaction when I extended a line of credit to American Express and when American Express entered my credit back to me. American Express gave, placed, or referred my information to a person also known as a debt collector that I do not know of to collect an assume debt. See the following attachments for proof. American Express sharing, placing, referring, or giving my personal information away to a person or debt collector that I do not know is IDENTITY THEFT. Finally, American Express did not pay me my remedy for violating my consumer rights more than 25 times. I have added a new invoice in the attached with your new balance to pay me for violating my consumer rights. American Express, I want you to pay me my REMEDY, next stop & delete all accounts from any reporting agency, then stop & delete all non-affiliated third-parties, persons, and debt collectors from contacting me, cease and desist all communication with me ; all in that order.
Product: Money transfer, virtual currency, or money service

Hello, I sent XXXX to XXXX on XX/XX/18. The money was debited from my bank account immediately. I got a message saying that it will take 3-4 business days to process which was unusual normally the recipient can pick up the money on the same day. The transaction showed Pending for an entire week. After that, the transaction showed Cancelled, no explanation. I did not cancel it. All this time, I never got an email from MoneyGram. I emailed MoneyGram twice, no answer. I want my XXXX plus the XXXX fees. Transaction no. is XXXX. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX on multiple accounts that they are reporting on my consumer report without my consent, or option to opt out of it. I know that a credit report is supposed to be fair and adequate and with the negative information that they are reporting it is all but fair and adequate. XXXX is in violations of my consumer rights. They have violated 15 usc 1681 I ( 7 ), 15 usc 1692 ( E ) false and misleading information, 1692 a ( 3 ) ( 5 ) ( 6 ) B ( 1 ). XXXX is also in violation of the privacy act of XXXX. Most definitely in violation of 18 usc 892-894.
Product: Student loan

American Education Services to me are a scam. XXXX XXXX furnished the loan in XXXX. 
I graduated in XXXX but the actual graduation was in XX/XX/XXXX. When I graduated from XXXX XXXX, I payed off my XXXX XXXX supposed from XXXX  XXXX, at which time I initiated a monthly bill payment to began after I got a job in XXXX which I was told it a deferred payment. The payments was through XXXX XXXX. Yet, Somewhere down this stressful time I started to get bills invoices not from XXXX XXXX but XXXX XXXX  XXXX  not immediately after graduation but in the middle of my deferment invoices began XXXX. It's XXXX and I am still paying for what was told to me at financial aid advisor to be a total of XXXX for subsided and unsubsidized loan. XXXX School was my concentration. I sure I was not aware or understood much of the financial language thatI continue to explain to XXXX I never missed a payment why am.I still paying I
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/2021 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: Money transfer, virtual currency, or money service

On XX/XX/22 at XXXX XXXX and XX/XX/22 at XXXX unauthorized Transactions occurred. On XX/XX/22 in the morning time I seen transactions from my bank and cash app that shouldve been locked. I called cash app, XXXX XXXX XXXX XXXX and filed a police report. Everything that happened was digital and the money can be traced. Ive been requesting my money and filed a complaint with cash app. Cash app sent a letter which will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX  XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to XXXX  on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX : is still on my credit report with XXXX deleted off the other two bureaus 2 ) XXXX XXXX  ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) Deville Asset Management : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted.

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.
Product: Credit reporting or other personal consumer reports

I reached out previously in regards to company reporting on my credit report after being told once the account was paid it would be deleted. They sent back some side stepping answer about how the credit bureau reports info is out of their hands. Reporting on my credit is entirely on your hands. I was not disputing the reporting of paid in full I was disputing that i was told pay the account in full which in your previous response you acknowledged I did and I was told all reporting off the account would be deleted and removed. That is absolutely in your control and I was not given a reason as to why it is not being removed as agreed upon to ensure my payments were made. Resolution is for this company to remove all reporting of this account from my credit reports as agreed upon prior to receiving payments.
Product: Debt collection

1.I have never had an account with this company Enhanced Recovery Company , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Enhanced Recovery Company the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 XXXX, XXXX 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. These fraudulent accounts consist of auto financing accounts opened from XXXX XXXX XXXX  on XX/XX/XXXX, XXXX account open from XXXX XXXX VIA XXXX  on XX/XX/2024, account open from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX a, account open from XXXX XXXX XXXX XXXX  on XX/XX/2024, account open from XXXX XXXX XXXX XXXX  on XX/XX/2024. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX XXXX placed an account of {$600.00} on my credit report from XXXX XXXX Ohio. This was not accurate. This caused my credit score to decrease by 20 points. I contacted the creditor and they removed this false account from my credit report but my score did not increase by the 20 points I lost it only went up by 1 point. This is unacceptable!! This error was not my fault. My score has suffered 19 points because of an error. How is this legal? Who else is this happening to? Why is it okay for your credit score to be effected by another companys error ... I feel my credit report should have went back up the 20 points I lost. TransUnion stated thats not how it works ... Why??? How are consumers supposed to work towards getting their credit in order if a company can just report a false account and then resolve the issue but your score is still affected??? This should not be happening ...
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I request that certain accounts be blocked and deleted from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts were opened without my authorization, and I am requesting their immediate removal from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$520.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$740.00}