23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 XXXX XXXX XXXX sent me a payment of EUR XXXX to Capital One Bank. An account number at Capital One Bank, which I have provided to the XXXX XXXX  was incorrect. However, the bank has deposited money to this incorrect account despite the fact that the name on this account wasn't mine. In response to several requests to trace the transaction Capital One Bank finally notified XXXX XXXX that they are unable to recover money from this account. My personal calls to Capital One Bank always ended up with advice to contact the sender.
Product: Credit card or prepaid card

Applied for the new IHG premier credit card. 

XX/XX/2019 -Received the card on Friday ( Approval was the week before ). Card went thru partner verification with IHG so IHG approved it and card was issued. Card is being used all over weekend and even Monday XX/XX/2019 with no issue. 

XX/XX/2019 - Tried to book 4 nights at a hotel, was getting charged for the 4th night. Tried calling IHG, they do not have an updated information. Said I should call chase because the problem is at their end. 

Called chase and chase stated I have the benefits as soon as I activate the card. The card is already approved and it shouldnt go thru anymore verification. 

Called IHG again and they stated it may take 4-6 weeks for my information to be updated and for me to be eligible for 4th night free. 

That is just a summary, actually its more of a whole day of calling and contacting chase and IHG and ultimately IHG stating that its because their system is not updated. Contacted IHG thru live portal, phone call and XXXX  XXXX ( I hate transcripts for this one ). Nobody can help. The fact that in no place in terms and condition does it say that I am not eligible for the 4th night free during a certain period is fraudulent marketing. Somebody forgot to update my information in their system and I am the one who ends up suffering because of this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate. None of which have account numbers listed in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. The 3 credit bureaus should delete these fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cardinal Financial loan officer was bothering me non stop for months, finally spoke with her on the phone to get an idea of purchasing my first home and next thing i know i see an inquiry notification while on the phone with them first off i never gave written or verbal consent to pull my credit and now the loan officer will not return my calls and the company i cant get ahold of either, im pretty sure they have fake reviews all over the place because im finding many complaints about real clients who have the same situation they pull credit without authorization and will not return calls this is adhering me from getting a home loan approved now they dinged my credit with a hard inquiry which i have to wait 2 years to apply again this is fraud and nothing but fraud I NEVER GAVE CONEST WRITTEN OR VERBAL FOR THEM TO PULL MY CREDIT REPORT, please help me get this off i need a house.
Product: Credit reporting or other personal consumer reports

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up.

Please send me an updated copy of my credit report after your reinvestigation. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is summarized in this letter I am sending to XXXX XXXX via certified mail : Dear Mr. XXXX XXXX XXXX, I appeal to you for resolution of this grievance as satisfaction could not be obtained from your customer service representatives despite much time sacrificed to that cause. 

In the 10 years I have held this home mortgage never has a payment been missed, never late. I have assured this with automatic payments. In XXXX of this year my payment amount increased by {$25.00} due to a tax increase. This incidentally coincided with an extended family vacation. 

Upon return I learned that my on-time XXXX payment had not been credited to my mortgage but instead held in limbo and a {$73.00} late fee applied. All because of this {$25.00} discrepancy. Despite the unfairness of this, I was willing to write it off to unfortunate circumstances, pay the late fee and move on. That is, until I received notification that you had reported my payment Past Due to the credit reporting agencies.

This damage to my creditworthiness with its potentially wide-ranging consequences is unjust and unacceptable. My loan payment was not late. The amount more than covered the principle and interest payments due. The trivial escrow balance in no way justifies this disturbing and damaging course of action by XXXX XXXX. 

I am requesting restitution from you in this matter through 1 ) immediate correction of the derogatory credit reports and 2 ) application of the {$73.00} late fee to my principle balance.
Product: Money transfer, virtual currency, or money service

I had XXXX XXXX transfer my {$750.00} balance to my regular bank ( Rockland Trust ) Initially, it looked as if they were transferring to the wrong account, so I tried to reverse the deposit. I am now being told by XXXX XXXX that the deposit went through to Rockland Trust, but the reversal was denied by them. I spoke with Rockland Trust ( Branch XXXX XXXX XXXX ) that the reversal went through and XXXX XXXX now has the money. This was also verified by Rockland Trust 's website. This happened on XX/XX/2021. I have called XXXX XXXX numerous times, Emailed them, chatted with them. The discussion always ends with them saying I need to file a complaint with Rockland Trust. 
I asked Rockland Trust to help and they refused, saying they can not dispute any transaction over 24 hours old. 

Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX RE : Identity Theft Victim To whom it XXXX concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
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 12 USC 1681.

Transunion is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit and mortgage companies have submitted multiple credit inquiries on credit file with out consent
Product: Money transfer, virtual currency, or money service

Completed a wire transfer on XX/XX/XXXX from XXXX, XXXX TRUIST in the amount of {$18000.00} to another truist account for the purchase of a XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) was fake. Website listed below for shipping of vehicle. 

XXXX XXXX XXXXXXXX XXXX was signed and sent through XXXX XXXX XXXXXXXX. XXXX I talked to said he was XXXX XXXX. By the time I found out they weren't real on XX/XX/XXXX, stopped by the bank and they had pulled the funds out of my account and closed there TRUIST Bank. Please HELP. 

Have paperwork to show proof if needed.
Product: Credit card

US Bank claimed that I authorized charges based on XXXX facts that were presented to me 1. ) That the signatures on sales receipts matched my signatures 2. ) That the voice on 11 calls on this account were identical I provided proof, in the form of a certified forensic investigator, that there were no similarities and US Bank wrote in their response : " Please be advised that we are unable to provide you with copies of recorded calls that you have requested. ''
Product: Payday loan, title loan, personal loan, or advance loan

This account with lending point is the result of identity theft and was removed from my credit file sometime in 2023. The beginning of XXXX I was notified by oliphant Llc regarding this debt and that the above stated company now owns the debt and they were attempting to collect which is a clear violation of the FCRA which states, When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ) .To which limited circumstances in this plight did not fit.
Product: Credit reporting or other personal consumer reports

FTC Report XXXX This dispute has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) XXXX, XXXX, and Transunion block XXXXformation appearing on my consumer report that is result of identity theft and fraud within 4 business days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with NO ACCOUNT Number. 

XXXX XXXX XXXX on XX/XX/year> under account number XXXX XXXX XXXX XXXX on XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically, a debt resolution company was able to negotiate a debt repayment to the following company : XXXX XXXX XXXX For XXXX XXXX XXXX  The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for XXXX XXXX was {$440.00}, and they have not updated or deleted the account at the three credit bureaus. The information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for the settled amount {$440.00} and a payment had to be received by XX/XX/2021. Four separate payments were sent, totaling {$440.00}, via my settlement representative/attorney, XXXX XXXX XXXX XXXX Payment was submitted via XXXX XXXX XXXX. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response.

For Truist Bank ( BB & T ) : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for Truist Bank/BB & T was {$2300.00}. They have not updated or deleted the account at the three credit bureaus. All information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for 50 % of the total due ; the settled amount accepted by your debt/account representative was {$2300.00} to be paid by XX/XX/2021. An ACH payment totally {$2300.00} was sent to your account representative on XX/XX/2021. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. Payment was submitted via XXXX XXXX XXXX. Also included in the terms of the agreement is the account would be marked settled. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. 

For XXXX XXXX XXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; Trace # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than 21 days I have had significant reduction in all of my credit card accounts which include credit cards with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. As a result my credit score with XXXX has gone from fair ( XXXX score ) to very good ( XXXX score ) and still even after making several disputes with Equifax and XXXX in regards to my current credit card balance reductions they have not updated my credit score and are making it incredibly difficult to get into an apartment. I feel Equifax and XXXX are being particularly almost deliberately slow to properly update my score to fairly reflect my credit worthiness. XXXX has been thoughtful and fair in adjusting my credit score with their agency in a timely manner as the other two ( Equifax and XXXX ) have been not even after filing several disputes with each of them. Please help me to resolve this as they evidently could care less how their inactions are unfairly effecting me. Thank you for your assistance and support.
Product: Credit card or prepaid card

I logged into my Best Buy account to check my account activity. I wanted to see how much I paid on my previous due date. When I logged on and reviewed the statement I noticed a {$10.00} fee called XXXX XXXX  XXXX. I initiated a chat with one of their customer service reps and they told me the charge was a debt protection plan and that I could call the number listed next to the amount. The next day I called Best Buys credit card service and the representative I spoke too knew exactly why I was calling and she told me that since I did not authorize these charges that they would be refunded. She then asked to place me on hold. I was on hold for a few minutes, and then I was transferred to a recorded message that had already begun to play telling me the office was closed, and asking me to call back during business hours. I called back the following day, XX/XX/XXXX, and spoke to someone else. I explained the scenario again that I am being charged some fee each month for something I didn't enroll in or authorize and I wanted to cancel it and request a refund. She unenrolled me and then attempted to end the call so I reminded her that I wanted to request a refund for the charges. She told me that she would request the refund and I asked her for some type of confirmation number and she gave me " XXXX  '' and told me I would get a letter 30 days later. After this call I decided to do some research online and it appears that Best Buy has been doing this for a while and there are hundreds of complaints posted on various sites. I called the customer service line again the next day and explained that I found some information online and from what I saw they don't process refunds. I asked her if I really needed to wait 30 days or if she could just tell me now based on her experience with this issue if a refund would be processed or if refunds had ever been processed because this is a complaint they are clearly aware of. She told me they didn't have an answer in her department and when I asked which department does she said there wasn't one that could answer my question.

This practice is predatory and damaging to consumers. After looking at all of my available account statements I conclude this fee was a % based on the account balance. My last statement I paid the minimum payment of {$39.00}, they then applied interest in the amount of {$25.00} and the fee in the amount of {$10.00}. Making the amount I paid only {$2.00}. Best Buy is aware of their predatory and malicious practice as demonstrated in a letter from XX/XX/XXXX addressed to XXXX XXXX XXXX, the Board of Governors of the Federal Reserve System. In the letter they are making a request to alter the Boards recommended disclosure for debt cancellation. I feel that being asked to wait 30 days for this to be resolved is another tactic where they may be trying to pull a rug out from under my feet. This practice is malicious and done with intent of making money off consumers with non disclosed fees.

Thank you for taking to time to consider my complaint. Any help towards a just resolution is truly appreciated.
Product: Money transfer, virtual currency, or money service

Coinbase had froze my account do to a security breech on there end. I asked that they take all unauthorized purchases off my account. However, I said I wanted to keep ( make final payment on the coins. I had bought them at {$80.00} per coin. coon after they went up in value. I contacted coinbase to get a number on the amount owed. I also needed to transfer bank accounts. I was told a supervisor would call. they did and nothing was done. the next day I see coins that where not there before. 
At this point, I call coinbase to inform them my account was compromised. they freeze my account with over 80k. XXXX paid off with the profits realized by coin appreciation. They said they would take care of the issue and reinstate my account. they did nothing. just let the system reclaim the coins without letting me pay. I asked then to hold the coins I had purchased.. they returned the account with {$600.00} left. I am getting nowhere with them. they will not do anything to help resolve this issue. I am furious that a company can get away with this type of scam with impunity.
Product: Consumer Loan

I financed a mower over 24 mos@XXXX per month. After about 7 months they raised my monthly note to XXXX. I had put it on auto debit at my credit union for the XXXX, so when I received the monthly note from them, I just disregarded it since I knew it was being paid. I started getting late payment notices and fees around this time and called about them. They waived them twice, but never mentioned that I was n't paying the new minimum. I finally called when it was handed to their collection dept. and that was when I found out that my note had been raised. ( This was yesterday ) They said I had been notified and because they had already waived XXXX late fees, they could n't waive any more, so I am on the hook for $ XXXX+ of late fees. My frustration is that they have n't missed a single payment. The only thing they are out is " late '' fees for my not paying the new minimum payment since XX/XX/2016. I contracted for 24 payments of XXXX and I have held up my end of the contract. They are trying to extort hundreds of dollars of late fees for a trumped up increase of {$0.00} per month. I do n't want my credit rating damaged because of this, but it has been already. Unless you can help, I either pay up or face ruined credit for something I ca n't avoid. I do n't want something for nothing ; I just do n't want to get XXXX by a bank because they think they can. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my Transunion reports which I believe has been taken care of due to the written appeals I sent. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. I did not authorized, consent or have knowledge to how or when they were opened. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX XXXX XXXX, CA XXXX address is not mine. I never lived here. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX-I don't own any of this accounts. Please see to it that they are removed.