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

Transunion will not provide me a copy of my credit report. This has been going on for over a year so i am unable to dispute invalid information on my report. They have locked my account and me out of it and even when i trey to get my annual report they will not respond, even through the annu7al report website.
Product: Credit card or prepaid card

Hi, On XX/XX/XXXX my bank account for XXXX Bank account was charged twice for the amount of {$110.00} which was the balance on my Capital One Credit Card Account. 

Since Capital One charged me twice for a single payment, I requested my bank to return the additional payment, which was returned on XX/XX/XXXX. 

However, the second payment, which was deducted from the bank account, did not reflect on my Capital One balance. 

I have already paid Capital One and provided proof of the payment, and they have done nothing about it. I still have balance which I already paid for, and now I have a late fee along with interest charges. I have spent over 6 hours over the course of the month to try to get this resolved. 

Furthermore, I humbly request the consumer finance agency to take action on my behalf. 

Thank You, XXXX XXXX
Product: Vehicle loan or lease

I submitted a payment for my loan on XXXX. My bank sent out the check. When it wasnt posting to my account I realized I sent to the wrong XXXX XXXX. So I called ally financial and explained the situation. The said to not worry and do not place a stop payment on the check because they still own the XXXX. XXXX and will forward it to the correct place. The payment cleared my bank but when it did it was deposited into someone elses account at a different bank. Since it was cashed I cant put a stop payment on it anymore and I need ally to fill out a form that my bank requested. I have contacted them numerous times to get them to fill it out and they wont answer. Then when I call they say to contact the bank that cashed it ( XXXX XXXX XXXX  ) I tried that and they said ally needs to fill out the form and dispute it since it was addressed to them.
Product: Checking or savings account

I paid for services that were not rendered. The merchant was unable to refund me and told me that I should file a dispute with my bank. I sent over the contract and also the communications with the merchant stating that my services have not been rendered. I filed a dispute with current bank. In which they denied, although having sufficient documents in the denial, states that I can request the information use to determine the decision made, and that they will respond back in XXXX to XXXX hours. I have not received a response back in regards to the information and it has been now over a week.
Product: Credit reporting or other personal consumer reports

The company name is XXXX. My issue is that they are not reporting to the credit bureau the updated information on my credit builder account and really hurting my score. 

Context : I originally opened an account with for their debit card offering because in order to get their credit builder charge card ( " credit card '' ) it is mandatory to get the debit card first. Furthermore, on top of having to open a debit card you have to send at least {$200.00} USD from your paycheck into the account to active the credit builder charge card. 

Product description : Their credit builder card is supposed to act similar to a credit card in regard to the credit reporting features, however it really is a debit card. Its a hybrid card because it has the debit card capital use with the credit card billing and reporting. So you transfer money from your debit card into a separate escrow deposit account where the credit builder charge card can use to make payments. The catch is that you are subject to their billing cycle from the XXXX of any month to the XXXX of that month. If you do not " pay '' before the XXXX then the XXXX of the next month they will report your outstanding " balance '' to the credit bureau. In reality there is no balance and no amount owed because its your own money! their is no access to debt! 

Situation : The first time I had a " balance '' reported was on XX/XX/2024 with {$400.00} USD total outstanding. Since it is not a true revolving line of credit there is no credit limit so that credit reporting agencies determine credit utilization in their grading so it showed a credit utilization of 990 %!!! I immediately called to understand what was the issue because I obviously assumed based on their advertising that my balance would automatically be paid off every month ; logically since it is my very own money. Why would I want to have anything outstanding on a charge card? Anyways, so I called to fully understand how their product really works. After that they told me that I could opt out of the automatic XXXX billing and manually pay of front. I have done this and they have failed to report my payment history and updated " balance '' which is now {$0.00}. The latest results I have on my credit report is still an outstanding of {$400.00} with no credit limit therefore still a credit utilization of 990 % since XX/XX/2024. 

Problem : It is now XX/XX/2024 with the same data since XX/XX/2024. This is really hurting my credit score and quite frankly I just want to clear this erroneous information and close out from this card. It is clearly not useful for what I thought it would be. I just want this issue resolved and fix my credit report. This really looks so bad on my score and it is not even real. It was my very own money and there is no debt owed and it is obviously not true that I have 990 % utilization! 

Solution : Tell the company to report my updated credit history and have them correct the errors for the past 3 months!
Product: Credit reporting

Numerous calls and letters have been sent and the response is a general letter informing of their practices .... recently inquiry items and an account WITH INCORRECT information were deleted from my report and reinserted without ANY NOTIFICATION .... this is in violation of my fair credit reporting rights ... I have sent letters to have them deleted and nothing has been done ... the account XXXX is reporting INACCURATE INFORMATION which in turn should be deleted for this reason as well as THESE INQUIRIES THAT WERE DELETED AND REINSERTED ... XXXX, XXXX, and both XXXX and these weee all deleted and reinserted with NO PRIOR COMMUNICATION TO DO SO
Product: Debt collection

On XXXX2021. After receiving mail from Toyota Financial Services with a statement balance, I sent Toyota Financial Services, requesting Validation of Debt pursuant to the Fair Debt Collection Practices Act on what was being reported to the Credit Reporting Agencies { Exhibit 1 } On XXXX2021 Toyota failed to respond in accordance with 15 USC 1692g ( b ) to produce any evidence which is a direct violation of Federal Law. { Exhibit 2 } Also, Toyota Financial Services ' written communication with a consumer didn't disclose that Toyota Financial Services was a debt collector attempting to collect a debt pursuant to 15 USC 1692e ( 11 ) In the same written response Toyota Financial Services stated false actions that didn't produce any evidence. Such actions from Toyota Financial Services was an attempt to lead to false belief that the alleged debt being reported to the Credit Reporting Agencies had been researched by their records they failed to produce. This is a violation of Federal Law pursuant to15 USC 1692j ( a ) Toyota Financial Services is also in direct violation with 15 USC 1692c ( a ) Communication in connection with a debt collection with their initial communication. 

Today, XXXX2021, I'm sending Toyota Financial Services my Affidavit of Truth along with Cease and Desist and I invoked my right to specified remedy. ( SEE Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the XXXX XXXX accurate reporting of this XXXXXXXX XXXX XXXXXXXX charged off account being reported by the credit bureaus as required by law XXXX  times now... i have pointed out that this account is being reported as a re aged account... XXXX XXXX XXXX XXXX and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number XXXX  is reporting XXXX, experian  is reporting XXXX, and XXXX  is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting XXXX XXXX XXXX XXXX ,this is inaccurate reporting
Product: Debt collection

On XX/XX/2018 I was sent a letter from FBCS , Inc stating I had an outstanding balance of {$240.00} to XXXX XXXX XXXX XXXX and FBCS , Inc was requesting payment from me. 

I replied to them with my own letter disputing this charge on XX/XX/2018 because I've never had any account with XXXX XXXX XXXX XXXX, ever. I don't have a XXXX cable box. I've never signed up for their service. The debt is not mine. 

Then today ( XX/XX/2018 ) I received another letter stating I needed to provide additional information detailing my dispute and send documentation supporting my dispute. I've never had an account with this company! How can I provide documentation? What paper work do they want me to provide? 

These guys use language in their letter to try and intimidate and scare people into paying them. This is super unprofessional and insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity thieves have made numerous attempts on my accounts in the last two years - one fraudulent use of an existing credit card, three fake applications for credit, multiple addresses added to my credit bureau report. 

A few months ago, I found a new address in Minnesota listed on my XXXX report, which it says it got from U.S. Bank. I have never lived in Minnesota. Never lived in the Midwest. Interestingly, the address is one where I have close friends and sent XXXX gifts in XXXX. It's incredibly disturbing that their address has been added to my report, and that XXXX  refuses to take it off. Are they now working with major retailers to get addresses where mail is sent? And why does the address have three misspellings? Seriously, every major noun in the address and city is misspelled. It's clear they are adding information into my account from highly suspect sources. 

I have tried to get this removed and XXXX  just sends me back a form response telling me how to dispute something, exactly the step that I had just taken. I want them to remove this address and not add anything else without my explicit instructions. I've had security/fraud alerts and freezes up continuously for over a year. There's no excuse for this behavior.
Product: Mortgage

i have a mortgage payment due by the XXXX otherwise i have to make a {$42.00} late payment and since i do not work anymore due to medical issues, so i do not collect a paycheck. i only receive my Social Security benefits in which i receive direct deposit on the XXXX  wednesday of each month, so i notify M & T. bank regarding this and told i can do a loan modification, so i did all that, now as of today on XX/XX/XXXX i called them and talked to them about changing my due date so i do not accrue late fees, and the only way to do that is to refinance and that is not fair, that i have to pay late fees because i do not get my Social Security check until the XXXX of each month, so 6 months out of the year it will cost me roughly {$250.00} extra per year, especially when i only make {$1600.00} a month and my mortgage is {$1200.00} and they should have some common decency and allow me to change my due date one time, since i never had it change.
Product: Mortgage

I have a recently closed complaint regarding this issue. I have been working with XXXX XXXX at XXXX XXXX. She was helpful at first but now after many calls/emails I can not get in touch with her. My modification paperwork has taken over 2 months because of errors not caused by me. I owe 3 months of payments and I am trying to get financial assistance from XXXX. I explained to XXXX in XXXX I needed to show 3 months delinquent but my statement is showing XXXX due ( I was denied assistance because of this ) XXXX  wanted to speak with XXXX to confirm but not being available they denied me. Now finally my modification was processed on XX/XX/year>, I paid XXXX payment. Although my statement from XXXX is still showing XXXX due & I can't apply for XXXX  again until my statement shows the correct amount of 3 months past due. This will not happen until my XX/XX/XXXX statement and I am requesting a letter or escalating a statement showing the new amounts. I have called & emailed XXXX XXXX over the past 2 days with no response. I just called XXXX XXXX and was advised they can't provide this information to me. I am trying to get help and make my mortgage current. This is so frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I realized that I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that has been reported on my credit report by XXXX. Specifically, I am disputing the reporting of my personal transactions which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

1. Violation of FCRA Reporting of Personal Transaction Information Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) **, credit furnishers are required to report accurate and relevant information to the credit bureaus. Personal transaction details are not intended to be reported to the credit bureaus, and the inclusion of such information is a clear violation of the FCRA. This unauthorized sharing of my personal transaction information with credit bureaus infringes on my privacy and does not adhere to the standards set forth by federal law.
Product: Checking or savings account

I am a victim of fraud. On XX/XX/2020, someone accessed my Cash App account without my knowledge or consent. They sent funds from my account to another Cash App account " XXXX   XXXX '' at XXXX XXXX in the amount of {$1500.00}. This was my entire balance. I do not know the account owner " XXXX   XXXX ''. I have never sent funds or recived funds from this account holder. I requested a refund from the account holder, however, the account user did not respond. Cash App has a phone number, however, it states representatives are unavailable. I sent an email to Cash App but did not receive a response. I canceled my Cash App card and have a new account but have yet to receive my balance back from Cash App. It is very difficult to contact anyone at Cash App. 

I attach hereto, a copy of my Federal Trade Commission IdentityTheft Report.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

EDFINANCIAL Subject : Request for Student Loan Discharge Due to Unauthorized Data Breach ( FERPA Violation ) Dear TRANSUNION, I am formally requesting the immediate discharge of my federal student loans with XXXX ACCOUNT # XXXX and ACCOUNT # XXXX due to a recent unauthorized data breach involving XXXX XXXX  and potential violations of the Family Educational Rights and Privacy Act ( FERPA ). If my private student loan information has been improperly accessed without my consent, this constitutes a serious violation of my rights under federal law.

FERPA is designed to protect student records from unauthorized access, and any breach of these protections directly undermines the integrity of my loan obligations. Given the potential compromise of my personal information and financial records, I believe that my student loans should be discharged as a corrective measure for this violation.

I request : 1. Immediate cancellation of my student loan obligations due to the breach.

2.Details on what steps the XXXX XXXX XXXX is taking to address this FERPA violation and prevent further unauthorized disclosures. 



Failure to protect my educational records has directly impacted my rights and financial security. Therefore, I expect a timely and thorough response outlining the corrective actions being taken. Please confirm receipt of this request and provide an update as soon as possible. 

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$13000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX 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 # ( private case number ) as proof from the US 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I authorized one debit from my prepaid debit card to add cash to my cashapp card from Block for {$60.00} the funds was added at XXXX. I go to XXXX later to get some items and my prepaid card that shouldve had a balance of XXXX was now negative {$20.00}. Block dba Cashapp took money out my account without authorization from me again at XXXX for the same amount. Settlement just settled in XXXX cause of this companys negligence. This caused embarrassment and hardship for me. As I needed those funds for personal items and to get to work. Cause of block I have now gained a fee Im not supposed to and without my funds. Right now its a back & fourth between banks. They illegally withdrew money out my account. Without my permission.