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

This false reporting is not merely an error ; it reflects " actual malice, '' as TransUnion, XXXX, XXXX knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to TransUnions, XXXX, XXXX willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an SBA disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to TransUnion, XXXX and XXXX irresponsible and unlawful actions Despite my repeated disputes, TransUnion, XXXX and XXXX persisted in reporting this false information, demonstrating a clear pattern of willful noncompliance under 15 U.S. Code 1681i. This blatant disregard for accuracy and consumer rights is unacceptable and has further compounded the harm done to my financial standing.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report have produced inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Account Reporting by XXXX XXXX Dear TransUnion Dispute Team, I am writing to formally dispute and request the removal of an inaccurate account reported on my credit report by XXXX XXXX. I have no knowledge of this account, and the reported information contains significant discrepancies that are negatively affecting my creditworthiness. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Opening Date as per TransUnion : XX/XX/2020 Opening Date as per XXXX : XX/XX/2020 I want to emphasize that I have never opened or used an account with XXXX XXXX. The inaccuracies in the reported opening dates and the existence of this account at all raise concerns about the fairness and accuracy of the information provided to credit reporting agencies. 

The Fair Credit Reporting Act ( FCRA ) places an obligation on credit reporting agencies to ensure that the information contained in credit reports is accurate and up-to-date. Discrepancies and inaccuracies in credit reporting can have a substantial impact on an individual 's creditworthiness, which is why it is crucial that such information is reliable.
Product: Credit card or prepaid card

Once upon of time, I open three credit card accounts with the company name Capital One. On XX/XX/2021, Capital One sent me a letter stating that they are closing my account due to " alleged '' fraudulent activity. When I contact Capital One they couldn't specify what was the " alleged '' fraudulent activity. If this was " alleged '' fraudulent activity, why does Capital one keep charging me interest as if my account is still open? They didn't care if my identity was in danger. First of all, I am a consumer and that's a violation per 15 U.S. Code 1602 ( j ) Capital one does not have the POWER to close my account without my permission. Secondly, Capital one is held liable for my emotional distress. I was not able to refinance my car because they furnished inaccurate info to the credit bureaus to damage my consumer report & gave me an XXXX XXXX per 15 USC 1681n ( a ) & ( b ) that's another violation. Capital one is in clear violation of the FDCPA Laws. I demand the deletion of the collection from my consumer report.
Product: Debt collection

The agent was unnecessarily aggressive and argumentative, and obtained personal information ( dates of birth, insurance company information, etc. ) that, in retrospect, I do not believe he was entitled to. He tried to obfuscate the fact that he was with a collection agency and not part of the company that provided the service whose bill was being collected. His tactics were targeted towards getting me riled up, by being argumentative and rude.
Product: Credit reporting or other personal consumer reports

XX/XX/year> These inquiries were place on my account. These are not my accounts. I have know ties to these accounts I've mentioned below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was deleted off of my credit report over a year ago. This debt is old and they keep selling it to credit companies. It shows that it was created in a XXXX of 2020 and thats not correct. This is very very old debt that has been settled and deleted from my credit report and XXXX  is illegally reselling and updating on my credit report incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that EXPERIAN is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EXPERIAN is a third party corporation and I did not give EXPERIAN permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). This is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts thats currently listed on my XXXX, Experian and XXXX XXXX credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 card or prepaid card

I am natural person, consumer as the term is defined under the Equal Credit Opportunity Act and Fair Debt Collection Practices Act. I am filing this complaint for credit discrimination as aggrieved applicant against American Express for deprivation of right to credit as creditor in accordance with the Truth in Lending Act. I am submitting this complaint without any third party. I extended my consumer credit to American Express via good and valuable consideration of completed application form in exchange for consumer product XXXX XXXX XXXX American Express Card offer accepted for open-end credit for consumer purposes only. I have been negative impacted unfairly in my personal family and household affairs as I could not obtain the credit device as financial aid to acquire consumer goods, I also could attend my maternal siblings XXXX granduncle 's funeral legendary ceremony properly as I planned as a result of the unfair and deceptive act American Express adverse action letter dated XX/XX/2022, referenced as XXXX allegedly due to XXXX score obtained from XXXX based on unverifiable and uncertified rumors in bad faith 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and i request good faith reconsideration
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that do not belong to me 1. XXXX XXXX XX/XX/2020 2. XXXX XXXX XX/XX/2020 3. XXXX XX/XX/2020 4. XXXX XXXX  XX/XX/2020
Product: Checking or savings account

This took place on the chime banking app. On XXXX @ XXXX XXXX. there was a money transfer on my checking acct through pay anyone. For the amount of XXXX to $ XXXX I did not authorize this transaction. I contacted customer support disputed the transaction. Ive contacted them several times since the dispute and I either get hung up on or transferred from one department to another I spent 4 hrs on the phone trying to figure out how this could have happened and nobody could give me answers. Chime banking needs to be held accountable. 
Do not trust chime with ur money
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep concern and dissatisfaction with the persistent difficulties I have faced in attempting to correct a late open account issue on my credit report through Credit Bureaus. Despite numerous attempts, the issue remains unresolved, causing undue stress and negatively impacting my financial standing.

The continued presence of the late open account on my credit report is not only inaccurate but also adversely affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring the urgency and significance of the matter.

I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entry on my credit report.

Provide written confirmation once the correction has been successfully made.

I understand the importance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter.

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7800.00}.
Product: Credit reporting

I applied for a credit card through XXXX XXXX in XXXX 2016. I received a rejection letter originating from XXXX XXXX, Creditor dated XXXX/XXXX/16 stating that the reason for my rejection is as follows : CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 
To quote XXXX XXXX, " Rumors of my death have been greatly exaggerated. '' I 'm not so interested in getting the card, but I would like my information to be accurate. What do I need to do to correct this?
Product: Checking or savings account

The issue revolves around the disbursement of beneficiaries share of funds from a deceased parent 's savings account. There are XXXX siblings of which XXXX have received their proportional disbursement while my XXXX and final share has been held back for no reason that Bank of America can provide. 



XX/XX/XXXX I received, completed, had witnessed by a BOA emnployee and mailed via USPS BOA proprietary Beneficiary or UTMA Custodian Letter of Instruction and Account Closure along with the requested documentation. 

XX/XX/XXXX Follow-up call with Trust unit BOA Employee : XXXX XXXX Confirmed receipt of my package of Beneficiary or UTMA Custodian Letter and requested documents. All looks correct to XXXX. 

XX/XX/XXXX Follow-up call with Trust unit BOA Employee : XXXX Check Authorized to be issued Requires 15 days from this date to arrive Advised to follow-up on XX/XX/XXXX XX/XX/XXXX Follow-up call with Trust unit BOA Employee XXXX No progress, no answers XXXX 

XX/XX/XXXX Follow-up call with Trust unit BOA Employee XXXX XXXX Authorization made on XX/XX/XXXX6.

Process time required 3 working days Follow-up on XX/XX/XXXX to confirm check posting to USPS XX/XX/XXXX Follow-up call with Trust unit BOA Employee XXXX Process has stopped with authorization unit. 
No further progress
Product: Credit card or prepaid card

In XXXX of XXXX I filed a claim with Bank of America for unathorized charges ..I was issued a provisional credit of {$2900.00} I believe and On XX/XX/XXXX I received a letter stating that the bank had finished the investigation and the provisional credit was now permanent and the claim was closed ..State of California EDD in XXXX had disqualified me due to a unreadable State ID and froze or closed my account for possible fraud ..B of A then turned around and reversed the permanent credit debiting each unauthorized charge from my account as a State of California debit adjustment leaving my account with a neg balance totaling the claim amount and closed my account ..I appealed EDD and won my appeal and a judge XXXXissued my benefits to begin again ..EDD on XX/XX/XXXX issued XXXX dollars to my account as well as two other previous payments totaling {$630.00} brought my neg balance {$770.00} ..I have been asking for a reconsideration since XX/XX/XXXX, XXXX I was told that It was in the back office now being reviewed since 12 ) XXXX..Today though I spoke with another claims specialist and after 90 mins He is in process of filling out another reconsideration. .I asked why is it that a investigation was already completed and that I was issued a permanent credit that I am now going on 3 months and 4 request 2of them being supervisors and yet nothing still ..He is filing a complaint which is the second one for this matter and a new reconsideration ..My original claim number is XXXX and my bank card number was XXXX XXXX  was the Claim Rep whom filed a complaint for the amount of time it has taken for this reconsideration and Requested for a new reconsideration..He apologized for the inaction and for the time it has been without a resolution to this situation ..I actually just got off the phone with him XX/XX/XXXX. XXXX XXXX  ... He stated that the reason the permanent credit was reversed was due to the EDD having closed my account for possible fraud ... .I proved who I was and the bank even accepted payments to my card from EDD even though when I call it tells me that it has been closed ..Is n't a Permanent credit final? .. Provisional c edits can be reversed but how is it that they can take away a permanent credit that was given after a 60 day investigation and now have me waiting for them to investigate again all the while receiving my benefits and deducting it from the neg balance caused by the reversal of the permanent credit that had been issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems, LP Southwest Credit Systems, LP is reporting to XXXX Credit Bureau that I owe an invoice to A company named XXXX.I never any such company.This is hurting my credit worthiness. Southwest Credit Systems, LP refuses to remove this lie and holding my credit as ransom.I never made any such bill
Product: Payday loan, title loan, or personal loan

A check was sent to Avant on XX/XX/XXXX to payoff loan. Avant- cashed the check in XX/XX/XXXX. They have not credited my account as of XX/XX/XXXX and refuse to track down check.
Product: Credit card or prepaid card

I was alarmed when I obtained my XXXX XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2014 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Debt collection

I had a credit card through XXXX XXXX XXXX. My family was impacted my the Covid-19 pandemic. I called XXXX XXXX XXXX  and asked for assistance. I spoke with a gentleman named XXXX, and he agreed to wave any fee 's for the time being, and to keep in contact with them. The next month bill come around and they tacked on the fee 's they had agreed to wave, but twice the amount. I called again and they said they would be taken care of. The fee 's never got removed but instead, kept doubling them and adding them on, for months. I got tired of it, and had the money to pay off the full balance, ( including their fraudulent fees ) from the Covid-19 pandemic stimulus check. I tried to make a payment online, and their system was down, so I called and spoke with a representative. She said the system was down on her end, and to call back in a couple days. I checked back a couple days later to make a payment online, and my account was locked. I then called the company, and they proceeded to tell me they sent my account off to collections, to Midland Credit Management. I had been signed up for E-billing which was posted on my account with XXXX XXXX XXXX. They declared they no longer have any documentation, so I now have no record of any payments made, or the documentation of the true balance in-which I owed. They prompted me to contact Midland Credit Management. I then contacted Midland Credit Management and told them I need all documentation and proof of the account that they have. They stated that they already sent the documentation, which they did not, because I hadn't received anything from them. I found out who the company was via XXXX XXXX XXXX. They refused to " re '' send copies of documentation to prove the debt. 
The company XXXX XXXX XXXX, made fraudulent charges on my account, adding over {$500.00} to my true balance and will not provide documentation. The collections company, Midland Credit Management, has added charges to the balance, and refused to provide required documentation. I have no record of documentation because they locked me out of my account therefore, my documentations of proof, were washed away. 
This is impacting my credit score, and my personal life. I feel as if I've been the victim of fraud, at the head of the corporate world, where they are feeding off of their weaker pray, whom has no leverage. I am prepared to speak with my attorney.
Product: Debt collection

ZARZAUR & SCHWARTZ, P.C is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My financial information was stolen during the Equifax breach of XXXX XXXX. I visited their website, but according to third party reports, their credit monitoring will start charging after 1 year if I use their service to monitor a problem that they caused through their lax security.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 


Them not having live agents, made me unable to successfully do a claim.
Product: Credit card

My wife and I bought airplane tickets to XXXX for a one week vacation. My wife was in a XXXX and suffered a XXXX. She underwent XXXX. The doctor ordered a 5 day XXXX XXXX. In order to accommodate the doctor 's order I had our return flight plane tickets moved two days back - incurring a variety of fees and charges totaling XXXX {$600.00} per person, The mastercard website says " Provides reimbursement for non-refundable cancellation or change fees if you are required to cancel a trip, prior to departure and reimbursement for eligible travel on a common carrier in the event your trip is interrupted due to a covered reason and you have purchased your common carrier tickets with your eligible MasterCard card. '' It seems pretty obvious to me that we qualify for reimbuirsement from USAA/MasterCard. 

I contacted USAA with regard to making a claim and they referred me to file a claim with a company called XXXX. Despite the fairly easy open and shut case I presented, XXXX rejected my claim. In my humble opinion, XXXX is a company in the business of not paying claims. The claim ( # XXXX ) was extremely difficult to file as XXXX employee XXXX XXXX claimed the documents I was require to upload to the XXXX server " were corrupt before I uploaded them '' so he could not " see them ''. Kind of annoying like someone telling you the letter you sent them arrived wet and they know you mailed it wet. Also, the XXXX Fax line was often down and XXXX made contradictory statements with regard to whether the documents I uploaded repeatedly and faxed repetedly were viewable. In the end, I am left with the impression XXXX is in the business of not paying claims. 

Regardless of what XXXX and USAA have agreed upon, it is my opinion that USAA promised to reimburse my airline fees and has not done so. I will upload documents that support my claim.