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

I have a US Bankruptcy being reported against my Social Security number on my Transunion report. On XXXX XXXX, XXXX I in fact called the Office of the Clerk of the Bankruptcy Court in XXXX, Pennsylvania where TransUnion is stating this information is being reported to them from. 
I was informed at that time that the US Bankruptcy Court for the XXXX District of Pennsylvania Does NOT provide information regarding case filings or dispositions to the credit reporting agencies. Bankruptcies are public records and the credit agencies have 3rd parties collect this information for them. 
After speaking to a customer service speacialist today, XXXX/XXXX/XXXX, XXXX. I in fact was finally admitted the truth that TransUnion does indeed use XXXX XXXX to obtain this information. XXXX XXXX is a " for-profit '' company that sells the information to the credit bureaus, all calls to Transunion are recorded and this call and information can be retrieved by either you, the CFPB, The Attorney Generals Office, or my own personal attorney if need be. The phone call happened between XXXXXXXX XXXX through XXXXXXXX XXXX. This is a serious violation of the FCRA to report false information. By reporting the information on my credit report as getting it from the court itself, when it was actually obtained from an " unnamed '' XXXX XXXX, is easily considered " false information '' on my credit report. 
Furthermore, when I last disputed this with Transunion, they went as so far to send a letter back stating that they did " veryify '' the information with the court! Again, this is a complete and blatant lie. I am very well aware that Transunion uses XXXX ( online solution for complete and accurate reporting ) that automatically checks with XXXX XXXXs. Its very hard for XXXX XXXX to verify my information when I have had a security freeze placed on them since XXXX XXXX, XXXX. 
Lastly, It is very compelling to me, other than the bold lies, why both XXXX and XXXX ( the " mother '' reporting agency ) admitted their ignorance in reporting this false and remove it quickly, please see attachment, XXXX on or around XXXX XXXX, XXXX and the " mother '' credit bureau, XXXX on XXXX XXXX, XXXX yet Transunion wants to repeat its lies even though I have the proof and am willing to go to court over this issue and present a lawsuit.
Product: Student loan

I have both federal and private student loans -- all handled by Navient. When I pay my federal loans, I often make an overpayment for one of the loans online. When you overpay on a federal loan, the computer system asks how you would prefer the extra payment ( if it 's greater than 100 % of the amount due, i.e. if the payment is {$25.00} and you make a {$26.00} payment ). You can either 1 ) extend the due date of the loan or 2 ) make your next payment on time, which means the overpayment is applied to the principal of the loan. This is a great way for people to tackle their loans and decrease the life of the loan overall. When overpaying a private loan, you CAN choose to have the payment applied to the principal by NOT extending the due date, though you have to send in a physical check with a piece of paper detailing how you would like the payment applied. When you attempt to overpay your private loans online, the system ONLY gives you the option of extending the due date, meaning that the additional payment is applied to the bundled interest-principal payment. Not allowing borrowers to apply overpayments towards the principal line ( like one can when overpaying on federal loans ) makes it more difficult for borrowers to more quickly pay off their loans - extending the life of the loan and the amount of interest that borrow is playing.
Navient should allow borrowers to make overpayments for their private loans and apply those overpayments to the principal by not extending the due date of their payment.
Thank you!
Product: Checking or savings account

Since opening the account with Suncoast Credit Union. First my card would just completely shut off or decline transactions for absolutely no reason or explanation as to why it was happening. At one point transaction would say declined but I was still having the funds taken out even though I was paying for the items by other means, I provided receipts to show that I did so. On XX/XX/2020, Suncoast Credit Union accused me of falsely getting a XXXX Loan and XXXX Loan. After being accused I said I was filing complaint against the Credit Union and the next day my account was put on a restriction. After calling I was told that I needed to send in all information I submitted to obtain my loans in which I did. Then the customer service mentioned deposit from an out of state unemployment were disbursed into my account back in XXXX and XXXX. Deposits I never noticed because of the low amount. I asked why would they even accept the deposit being that it wasn't in my name and it was from an out of state unemployment and they had no response. My latest issue is that I filed another dispute in regards to transactions that were paid for by other means. I did the dispute back on XX/XX/2020 and also provided receipts showing I paid by other means. I was told I would have an update within XXXX business days and we are now on the XXXX business day with still no explanation.
Product: Debt collection

Dental work completed at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX in XX/XX/2019. Was unable to complete payment, leaving a balance owed of approx {$600.00}. In XXXX of 2019, the dental office submitted the debt to Professional Finance Co, XXXX XXXX XXXXXXXX, XXXX, Co XXXX, now in the amount {$800.00}. My finances improved, and I contacted the Dental office, and settled my debt in the amount of {$600.00} directly with them. The only contact from Professional Finance Co has been thru my credit reports, as I have disputed the amount now on three different disputes, and each one has been " confirmed '' by Professional Finance Co, and they are reporting a balance due of {$200.00}. I have asked them for original documentation for the original amount due ( {$800.00} ), and for the remaining amount due of {$200.00}. No reply to date. I feel i do not owe the addition amount due, and the report should be removed from my credit reports at all three reporting agencies. Advise XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Concern Person Greeting of the day. 

I'm XXXX XXXX from XXXX, I am running online business on XXXX and got my all payment through Paypal. In the month of XXXX XX/XX/2021, Paypal hold {$2400.00} for 180 days. 

I contacted them than they promised, I will get this amount after 180 days. 

Now 180 days about to end and Paypal deducted all {$2400.00} amount without any notification. 

I contacted PayPal customer care but they do not have proper information about deduction and they disconnected the call & now they blocked my number and im not able to contact them now. 

I'm XXXX widow with XXXX girls responsibilities. im totally depend on this income. 

This is big amount for me, I took loan to set up my business but just because of PayPal I loss everything. 

I am very much fed-up and do not know how & where should I complaint against it as PayPal is not ready to listen. 

I go through all their policies and I haven't broken their policies but still they deduct my all amount. 

Please help me in this matter as PayPal is doing big Scam in XXXX Market. 

Thanks & Regards XXXX XXXX XXXX : XXXX Email : XXXX Address : XXXX, XXXX XXXX, XXXX, XXXX XXXX - XXXX.
Product: Checking or savings account

I woke up this morning to an email saying that I have opened a Chime account and I should be receiving my card soon. I did not open a Chime account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion via phone on XXXX XXXX to confirm the request to remove fraudulent inquiries that I have reported several times in writing. They stated these inquiries would be removed yet they were still present as of XX/XX/2023. I called to reinstate my request these inquiries were fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Upon recent discovery, I found unauthorized transactions made using my card, leading to funds being withdrawn and sent via XXXX XXXX without my consent. Promptly, I initiated the dispute process with Netspend in response to this fraudulent activity. Despite providing details of the identity theft incident, Netspend regrettably denied my dispute. Following the guidelines from IDENTITYTHEFT.gov, I sent a follow-up email seeking resolution, yet to no avail. I have now requested further information regarding their investigation and am awaiting a response. This distressing ordeal has left me feeling violated and frustrated, as such an occurrence was unimaginable to me. Looking ahead, I am dedicated to implementing additional measures to safeguard my personal information and prevent similar incidents from arising in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX ******* XXXX XXXX Opened : XX/XX/XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXXXXXX, XXXX, DPEDXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX  XXXX, XXXX, DPEDXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I had a home mortgage with Loan Depot which I paid off in XX/XX/XXXX. At that time I had an impound account with balance approximately {$15000.00}. As of XX/XX/XXXX I have not received that amount refunded to me. I have made numerous phone calls, spending hours on hold and on the line with Loan Depot. They have acknowledged I have not received the refund, but after repeatedly assuring me a check would be mailed, none has been received. They also struggle to find my loan in the system every time I call because it's been paid off. I've been told I need to speak with the Purged Loans department since it's been paid off, but have been unable to reach them. I've been told that department " doesn't answer their phones. ''
Product: Mortgage

I've been paying {$140.00} every month for PMI for years and want it taken off as the property value has increased to at least 78 % of the original value. According to the loan the PMI should automatically terminate when it reaches that level. It has not. I've called numerous times and no one answers all I get is voicemail loop that is endless! I've tried to log in to my account. Again, can't log in with my password. When I request a new password, I have never received it. Please help! Yes, I'm current on all my mortgage payments, never late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to PNC Bank , National Association through my states attorney generals office around XXXX of XXXX. PNC Bank , National Association responded to my complaint 3 months later. With that being said PNC Bank violated section 1022.43 ( e ) ( 3 ). I have record that PNC Bank received my identity theft packet around XX/XX/2021. PNC Bank did not notify XXXX and have the information deleted from my credit report that is the result of identity theft. I am demanding PNC Bank notify XXXX immediately to have the information deleted due to the violation of the regulation referenced above.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMSHERCOLLECTIONSERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Has falsely claimed that I am in debt with their company and placed this debt on my credit report. At no time have I ever been in direct contact, done any business or sign an agreement with this company stating that I will pay them for services they provided for me. Therefore have no right to claim I am in debt with them. 

XXXX is also at fault for reporting this information on my credit report and claiming that their information was valid after my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX XXXX - XXXX, XX/XX/XXXX - CBNA, XX/XX/XXXX - MARINER FINANCE, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX  XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules XXXX. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt,
Product: Student loan

I graduate in 2015. I didnt start paying my student loans cause i want working i own then XXXX that my private loan debt. When i did get a job they wanted me to pay XXXX monthly but i can afford that i try to reason with them but they wasnt trying to help me. With my private loan i do have a co signer but the person wasnt gon na help me with it so now im on my own at the point theres nothing i can do because they be sending me threating letters and phone calls and i wan na pay then i just dont have to amount that they want because i work part time.
Product: Credit reporting or other personal consumer reports

Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. [ XXXX XXXX Account Number : XXXX ] [ XXXXXXXX XXXX  XXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I discovered multiple transactions on my XXXX  XXXX Equity Line account which has been paid off since XX/XX/2021 with Sun Trust now Truist. I have spent over 8.5 hours on hold, in the branch, been transferred several times, disconnected and lost a full day of work and I am the only one employed right now in my family. All the transactions done are as follows : XX/XX/XXXX Telephone Advance {$10000.00} XX/XX/XXXX Telephone Advance {$10000.00} XX/XX/XXXX Telephone Advance {$10000.00} XXXX XXXX Telephone Advance {$10000.00} XXXX XXXX Telephone Advance {$10000.00} XXXX XXXX Telephone Advance {$10000.00} Total {$60000.00} Then on XX/XX/XXXX an advance via the web at XXXX to XXXX ending XXXX for {$96000.00}. Now the total outstanding amount is {$150000.00} all of which is fraud. None of these transactions were done by me or my husband and none alerts or anything transpired. 

I have visited my local branch and I have been working with XXXX XXXX XXXX XXXX and the branch XXXX XXXX. There has been an escalation but still nobody has been able to help. I am in the middle of a commercial refinance on a building I own in New York and this has a major impact on my credit. I need help in resolving this matter. 

I can be reached at XXXX Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. CB INDIGO/GF ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( CB INDIGO/GF ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit card

On XXXX the collections department from US Bank reached out to me telling me I was delinquent on my credit card with the company. I have two cards, the one I was told was delinquent ends in XXXX. I was able to verify this by having the agent confirm the most recent transactions on the account. I kept telling the agent that on my end, there is no statement balance and has not had one for the last 2 billing statements. I kept getting told I was delinquent and that they were showing I was behind. This is a terrible user experience to be told one thing and being told I am delinquent when I strongly value my XXXX XXXX and history. I have never been late and do not want this to impact my credit as this is no fault of my own. I would like US Bank to launch a formal investigation as to A. How I was delinquent but on my end showing 0 balance B. Making sure none of the actions impacted my XXXX XXXX as I was never notified of my delinquency if there was one C. rectification of any late fees/interest associated with said balance