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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXXXXXXXXXX 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 - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IncorrectPersonal XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXXXXXX - Incorrect Personal
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Ive contacted all credit bureaus, file a report police report, contacted all furnisher, and contact all banking institutions. XXXX, XXXX, and transunion has not properly investigated this matter. 
This has cause my family and I significant amount of financial burden and would like to bring further action and awareness to the steps not taken into correction of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Superior FCU should not be reporting to Equifax ; XXXX  and XXXX  a collection/chargeoff in the amount of {$570.00} on the SUPERIOR FCU partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as Superior FCU to remove this however, I have not been successful.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yet again, another TransUnion complaint. TransUnion has an XXXX XXXX ( closed ) account on my credit report in the amount of {$8000.00} from XXXX. 

Although the account is listed in good standing, {$0.00} balance and closed this is not my account. I filed a dispute with TransUnion approximately 1-1 1/2 years ago. I had received a call from them stating it would be removed. That was in XXXX. As of today XX/XX/XXXX it is still showing on my credit report. 

I once again asked them to remove and why it had not yet been removed, in true TransUnion dismissive fashion, they could not answer and had no explanation.
Product: Checking or savings account

I've attempted to wire transfer funds from CITI multiple times, CITI has cancelled all transactions claiming they need to verify my phone number. I've called from the phone number in the system, I've got them on a recorded line. All times I verified with a supervisor. I even called from my brother 's number that was also verified. I also tried doing a transfer to another bank today and it was blocked. Said I was limited until XX/XX/2023. This is my money if I want to wire or transfer funds, I should be allowed to. Citi is scamming the process. There were several other attempts aside from the ones I attached.
Product: Money transfer, virtual currency, or money service

I wanted to rollover money in an IRA from XXXX Bank to Discover Bank. I submitted the forms sent to me from Discover. I got the check from XXXX Bank. I endorsed the check to Discover IRA account and then everything went wrong. Discover Bank said the wrong forms were sent. I called them. They sent more forms. I called again. They said I did not sign in the right place. They have my deposit for at least 2 weeks, just sitting there and refused to put it into my IRA account. They refused to send me the form back, marking where I need to sign or date. They only will send another blank form. I talked to the supervisior, XXXX who would not put the money into my IRA acct. I have talked to at least 5 different people without resolve. She admits I have gotten the " run around ''. 
I finally said I want the check back or deposit it in my IRA account. She said they will send the ( already endorsed ) check back and I should now contact XXXX bank for a new check. This is preposterous. The forms packet they send consists of 52 pages. No one can decifer what it is they want to open an IRA there. In the meantime, I have only 60 days to do the rollover.
Product: Credit reporting, credit repair services, or other personal consumer reports

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$5800.00}.
Product: Debt collection

A small claim was filed on XX/XX/2023 appointment XXXX XXXX XXXX  being plaza services , LLC the assignee of XXXX XXXXXXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Plaza services , LLC claims to be a business of purchasing XXXX debt and is the signing of the original consumer loan between XXXXXXXX XXXX XXXX XXXX and XXXX the consumer loan is identified as account number XXXX assuming the account number has XXXX digits only. They also coin that high defaulting on the terms by failing to make payment on the XXXX XXXX account when do you. They also say the last charge or payment to the account occurred within XXXX years of filing this action. They say the current balance due XXXX the date of filing including any and all occurred interest is {$1700.00} beer they say that I refuse to pay this debt despite dude demand XXXX Plaza services LLC I would like to have all information verified and submitted as in person on our schedule court date, with a validation letter, when a lawyer review this this information prior to the imitation date. Please include all that is needed to verify the account and most importantly the amount of XXXX as I believe this is an error. 

I would also like to see an itemized Receipt of my debt being purchase directly from the original debate collect. If this all information are correct I will pled guilty if not I will counter sue for loss wages, research, gas, and other expenses. 

I get paid about XXXX an hour part time, receive XXXX, and building for a better future for me, you, and our people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep asking you to remove this suspicious data, so please do. Because I don't think you checked these things, I'm going to sue you for breaking Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I mentioned this in my last COMPLAINT #, but I'm including it again. Please do not ignore my request to correct these false entries in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit card and reporting false information to future creditors. 
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 XXXXXX/XX/XXXX
Product: Mortgage

The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter XXXX Section XXXX MGL Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX and Equifax refuses to update me from being listed as XX/XX/2018 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Equifax job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove this damaging negatives from my profile. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Checking or savings account

I opened an account with US Bank based on marketing solicitation promising a {$400.00} account opening bonus. Because I was an authorized credit card holder, the US Bank online system would not allow me to register for online access and setting up direct deposit as the marketing offer required. I spent several hours over many weeks attempting to fix this with US Bank online support personnel. Only after I tried registering online access for a credit card I received as an authorized user, did I gain access to my new checking account online.

I asked for consideration since the offer required a certain dollar deposit within 90 days of opening. Instead, US Bank claimed that the marketing solicitation was only good for addressed targets. Since the email was sent to my spouse, they would not recognize the offer and after all that work, refused to pay the {$400.00} promised. 

I visited the XXXX, WA branch and asked for the account to be closed. Today, I received a letter from US Bank dated XX/XX/2022, that I owe them XXXX. That they closed my account for an overdraft amount and are demanding payment. Further they state they will report this to credit reporting agencies to prevent me from opening other accounts and make my borrowing more costly. 

I called customer service this afternoon at about XXXX XXXX  I spoke with XXXX. She said that the XXXX XXXX did not close the account. XXXX said that the account was closed for a {$0.00} overdraft and the overdraft fee is {$30.00}. I never received prior notice of a {$0.00} balance owing on this account. I did not use the account for any regular banking business because of the technology issues. That they did not alert me about the balance owing and arbitrarily charged me a {$30.00} fee without any notice is unacceptable. In my view, US Bank reneged on its promise of a {$400.00} payment.

I ask that US Bank rescind this improper charge of {$30.00} and pay me the {$400.00} it owes me.
Product: Payday loan, title loan, personal loan, or advance loan

When i 1st obtained this loan, i was offered an introductory rate and term so that it coukd be paid off early, instead of the 5 years that they wanted. I never got any paperwork from the loan company for approximately 90 days. I had to contact them in order to get the loan contract with the terms and due date for payments!!!! Now that I've had this loan for over a year, and have even paid extra payments, they are now stating that my introductory term is now void because of past due payment ( s ). I've sent them payments ahead of time thinking that would put me ahead on my payments, and when I spoke to them about this they simply stated that they only process payments within certain days and if you send an extra payment in, it knly goes toward that payment, not the next payment or any other future payments. They also keep changing the due dates on the payments and fail to record payments that i have sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to list a settled account on my report as Charged Off. States that the creditor has verified this information, however I have a paid in full notice from the creditor XXXX XXXX XXXX  Equifax Online Dispute Center has not allowed me to upload my supporting documents due to technical difficulties with their website not accepting uploads, thus, hindering my dispute from being resolved. Both XXXX  and XXXX XXXX are listing the status of the same account correctly as legally paid in full, but Equifax has refused to do so. I have placed this account in dispute with Equifax 3x with no avail.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX  {$120.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Prepaid card

I had received three payments on my child support card in Arizona in XXXX and XXXX. I hadnt received a single payment from this party in over a year so I hadnt been checking my account. I happen to call my caseworker three days ago actually four days ago to check a status on my case and she said that I had received three payments totaling almost {$500.00}. I said thats crazy when I call the card it says I have a XXXX balance so when I looked into it online someone in Michigan had made transactions on my card that I did not authorize restaurants and a couple other things all based out of Michigan I can not get a hold of this company to save my life. Every time I call somebody they give me another number, but its all automated. I reported the car lost and stolen and even before I reported it lost and stolen I couldnt speak to a live person. Child Support is absolutely no help. They say that they dont deal with the way to go card I think thats very rude because its not my fault that someone took almost {$500.00} Im not giving up I want my money back.
Product: Student loan

My loan recently transferred to a new serviced XXXX XXXX is first payment ). With my previous servicer, I was sending an extra amount for the last several months to pay down the principal. The new servicer adjusted the payment schedule to require the higher payment every month without asking me. Sent me a letter saying to account for the payment you like paying, weve adjusted your payment schedule. 

By doing this, my extra funds, when I have them, are no longer going towards principal alone. I called on XXXX to ask them to put it back to my original monthly payment. The payment amount listed on all the material they sent me in the transfer, and was told theres nothing they can do. Best they could do is offer me a payment that is {$100.00} higher than my normal payment. Essentially still cutting into how much my extra funds, when i have them, applies towards principal. Navient is shady.
Product: Debt collection

To whom it may concern : I was previously a customer of XXXX XXXX for internet service. Early in the year, I terminated my service with XXXX  and switched to a different provider. XXXX  billed me for my last month of service even though I was no longer receiving service from XXXX. I disputed the charge, {$100.00} through my credit card company, XXXX, and was successful in getting XXXX to reverse the charges. I recently discovered via my credit report alert, that XXXX transferred the debt to a collection agency, Credit Management LP, and added a derogatory mark on my credit report. 

I called Credit Management LP to inquire about the debt, yet they did not provide any more information and instead said to contact XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies TransUnion, XXXX, and XXXX, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) , as well as the inclusion of these accounts on my credit report despite legal prohibitions. The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as TransUnion, XXXX, and XXXX are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. Despite these legal mandates, I have observed that TransUnion, XXXX, and XXXX continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that TransUnion, XXXX, and XXXX comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' credit reports.
Product: Checking or savings account

My 2 checking accounts were closed on XX/XX/XXXX  unexpectedly. The letter I received from the bank simply stated they had the right to do so per their agreement. Not that I committed crimes, fraud or any illegal activity. That same day the account was re opened, without my communication or permission. They had already withdrawn my money and disbursed it that day per the transaction history. 

XX/XX/XXXX the checking account was still open and a transaction was processed. 

Ally was also in the midst of purchasing XXXX XXXX which I had an account with. When I went online just now XX/XX/XXXX  to merge the account, I noticed Ally gave me my same credentials I was using when I banked with them. I was not given new credentials for connecting my credit account they purchased. When I logged in using my old credentials, I noticed they still had my checking accounts tied to the log in and showed a negative balance in the checking account that was supposed to be closed XX/XX/2023. 

I am on the phone with them now, and despite them closing my bank account on XX/XX/XXXX with the email proof attached, they are refusing to return the charges and shut the account down.