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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have a debt collection reporting on my credit that is not mines. I have no knowledge of how this account was reported. I have strong reason to believe this debt is the result of an identity theft. I have not authorized nor given anyone permission to do so on my behalf.
Product: Credit reporting or other personal consumer reports

showing different account numbers on all three bureaus. It shows Im 90 days past due when I have never been late. No 30 or 60 day late payment just a 90 day late payment for different months across the bureaus. Billing history with aidvantage doesnt show anytime being late in XXXX. Information not being reported but showing its up to date and last activity needs to be updated. Not showing a payment amount. Not showing the terms of the loan agreement. Showing numerous FCRA violations that I will be seeking {$1000.00} retribution for every violation on my consumer report. Update, correct, or delete immediately as this inaccuracy will not be tolerated as it is damaging my credit report.
Product: Debt collection

Please remove this fraudulent account from my credit report, as it is not associated with me. I request that you conduct an immediate investigation and remove any other inaccuracies from my credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. on XX/XX/year> XXXX section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Product: Checking or savings account

I am from the XXXX, I live in XXXX XXXX XXXX as well as XXXX, I have my checking and savings account with PNC bank in Nevada where I get my social security and VA XXXX money every month, I used my debit card to take money from an ATM machine near my house to pay my bills here in the XXXX every month, I sometimes use my card for other things like food and so forth but most of the time it is in my draw. 

I went to the ATM machine to withdraw some money again and when I did it said no funds available, I went home and looked at my online account to see someone had take money from an ATM machine about 2 hours away from me 8 times in the last 10 days but they also took money 4 weeks earlier at the same ATM.

This was not me or my card!! someone got my card number and my pin number and withdrew {$1900.00} out of my bank account. 

I reported it to PNC and they declined to refund me the money that was taken saying the same card and pin number was used to take the money out of my account, The dates are and the amounts are 1 ) XX/XX/year>, XXXX 2 ). XX/XX/XXXX. XXXX 3 ) XX/XX/XXXX. XXXX 4 ) XX/XX/XXXX. XXXX 5 ) XX/XX/XXXX. XXXX 6 ) XX/XX/XXXX. XXXX 7 ) .XXXX  XXXX. XXXX 8 ) XXXX. XXXX. XXXX I called PNC on XX/XX/XXXX to report what happened and I called back on XX/XX/XXXX and they told me they would not refund me the money and would look into it again but no credit to my account was given. 
Thank you XXXX XXXX
Product: Debt collection

This account was from years ago and I had no knowledge of it. This collection should not be on my credit report. Data has resorted to be false, misleading, and deceptive means in their collection effort, thereby violating my consumer rights
Product: Credit card or prepaid card

I received an offer from XXXX for a {$400.00} bonus after opening a credit card from XXXX XXXX. I clicked thru and did everything asked of me on XXXX XXXX and the application, they ran my credit, and I was approved for a card. After receiving the card, I started receiving emails saying I had to do more to get my bonus. I clicked thru to complete whatever additional steps were required, but when clicking thru, I was told that the application had 'timed out ' for the 'rewards checking ' account that had to be opened alongside the credit card in order to receive the bonus. This is shady, deceptive and misleading, as this was not mentioned or advertised, and was not even possible to be done, as I tried to fill everything out as mentioned by the company. It seems they just promise a bonus to new customers to get them to sign up and run their credit, and then make up excuses and try to not honor the bonus.
Product: Checking or savings account

on XXXX, XXXX 2023 I received a check from an employer and took it to the first bank atm to cash it. I came home and checked my online account to see if it was deposited to find that my account was locked. so I called the number that the screen told me to find that the check was fraudulent! so I went in on the next business day to find out that my account was closed! I got a lecture that I should not cash checks that just come in the mail, even after I told them that this was a payroll check! and I asked them how does the average person know what a fraudulent check look like? and that question was ignored! needless to say, I walked out upset and really do not know why an account that I had for years was closed for something that I had no clue.
Product: Consumer Loan

Icalled to set up payment arrangement for my vehicle. They had been calling but I was not happy about the arrangement. So called back and spoke to XXXX. She told me should would help me and give me a few days and to call her back once they figured out how to take the account lock off of my bank account in there system from a reversal payment so I could schedule a payment again. The payment was not reversed from my bank. It was reversed from them after I made a double payment by mistake but I had no clue it would lock my current bank account preventing me to pay online or by phone. She told me she would call me back once she could sort it out and get it unlocked. I then called her back approx. 3 business days later and had to re explain everything all over again. This is the 2nd or 3rd time I 've talked to her since I 've had my loan since XXXX 2012. On this phone call and I believe another year she asks me well how were you going to pay it then? Why did n't you have it last week. Well that means you did n't really have it then. I am like I though you were going to make arrangements for me and now you are grilling me as if I 'm in a court room of law. She continued on with well what did you spend it on so if you would n't of bought food or paid for brakes you really still would n't had the money because you just said you would only have XXXX dollars left if you made the payment. So again either way you did n't have the money right? I 'm taken aback because I 'm a single mom of XXXX kids. The rent in Colorado has increased by XXXX % she lives in Colorado its been all over the news that it is a real struggle for all of us. I already stated I had no choice but to get brakes and used tires btwx a specific time period because its winter time and my job is XXXX miles away. She would n't let up and at this point you almost feel in fear and or obligated to say no because my kids also need to eat I would n't have the money in order to make sure she would schedule my payment out for a mere 3-5 more days. Keep in mind the utilities are higher in the winter also. Either way I 'm contact you all to see if these practices are legal. At XXXX years old I do n't feel I have to explain where my money is going or feel demeaned or inferior. On top of that I pay the late fee every month but yet they 're still telling me I 'm 30 days late on the late fees? Really? Please let me know what if any options I have on the asking me so you really do n't have it she said even if the payment would 've went through what would I have done there after with no money? I told her you cant be asking me that. That is not your concern what happens there after. Either way if they had told me they on my behalf reversed the double payment and that my account would be locked on there end so that I could n't make a new payment a couple of weeks later it wouldntve mattered how I would then figure out MY lively hood.
Product: Mortgage

I have requested twice for my account to be reviewed and corrected by someone other than the individual XXXX. for the following reasons below and have not received a response I have called and emailed with no luck and my account is still incorrect and I am still having payments missed applied and my accrued interest collecting incorrectly. I do believe that PennyMac is fraudulently using the XXXX relief partial claims system to mislead and take advantage of individuals who are already facing difficulties due to the pandemic. I request that the CFPB to an investigation. 

In addition after my phone call and submitting a request on XX/XX/XXXX several documents I have previously submitted and aknowledgments that had been on my Pennymac account have been removed. Please see attached. 
. 
XX/XX/XXXX PennyMac Loan Services , LLC Attention : Correspondence Unit XXXX XXXX XXXX XXXX XXXX, CA XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : CFPB Case File XXXX Mortgage Loan Number : XXXX I am writing in reference to my previous request for correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX 

On XX/XX/XXXX, I requested that the response submitted to me through the CFPB website from PennyMac be reviewed by a supervisor for the following reasons and I have not received a response. 

I am asking that the following questions be addressed by a supervisor and a response be no later than XX/XX/XXXX. 

My Request submitted to CFPB I am requesting that someone else review my account. You have missed represented several points in the conversation I had with you and individuals in your organization. 

XXXX ) This issue of the XX/XX/XXXX payment was not addressed. You stated that you applied for the payment I made to the outstanding payment for XX/XX/XXXX and you also stated that XX/XX/XXXX was included in the PennyMac advanced {$7300.00} to the loan. Therefore, the payment of {$1500.00} can not be applied to the XXXX payment and also calculated in the balance of the partial claim. Please explain/clarify how that is not collecting {$1400.00} for XXXX from me twice. 

XXXX ) The payments I made in XXXX, XXXX, XXXX, XXXX, and XXXX Should be allocated to the date you received the payments, not XX/XX/XXXX when PennyMac moved the funds from the suspense account. 

XXXX ) I never received the documents originally and requested to have them resent. I also never forgot about them I could not locate a notary that was available on my schedule. 

XXXX ) I did not request that you apply for my payment from XXXX to my principal- I specifically requested that you send me a full accounting of all money received and applied and after I review the documents, we would then discuss it. You never sent me the accounting that I requested. Again, I am requesting one last chance for someone to be assigned my account to review and contact me immediately. You did not follow through with anything from the conversation we had on the phone and your information is incorrect frankly I find several miss truths. 

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

On or about mid XX/XX/2019 my identity was stolen and accounts opened in my name at XXXX XXXX XXXX and XXXX  XXXX XXXX. These issues were resolved. Several months later I received a bill from XXXX XXXX for over {$2000.00}. I had filed a complaint regarding my identity as well as spoke with a XXXX XXXX representative. My credit report currently shows a Charge off of this amount but states the dispute was determined to be my responsibility. Obviously, there was NO investigation as I never opened a XXXX XXXX account. They do not have my signature nor was my identity verified. There must be some one to determine who opened this account and who used the card. There are cameras everywhere and it should be simple to look up a purchase and determine who is using the card. 
I have disputed the addresses listed on my credit report 3 different times and yet they remain. I have NEVER lived anywhere other than XXXX XXXX XXXX XXXX  XXXX, & XXXX XXXX XXXX XXXX. both located in XXXX, WA. 
I need this resolved and I need a REAL investigation. People should not be able to open up credit without a picture ID & verification that the individual is the person seeking credit. The burden should not be on the consumer with these types of reckless policies.
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 ( 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.to
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX was included in a theft & was wrecked and totaled out. My insurance company, XXXX XXXX, paid out a check dated XX/XX/XXXX in the amount of {$6400.00} to XXXX XXXX XXXX Bank to fulfill the remaining balance of my auto loan. XXXX reported my car loan as having not only a late payment but also the account is still open today XX/XX/XXXX almost a month later! To make matters worse when trying to apply for a new auto loan I was denied and told the reasoning was 1 ) I have an open account & 2 ) my car loan is showing my car as a repossession which literally is not true. 

I spoke to a XXXX customer service agent and was told that they would back date the payment to the check date ( XX/XX/XXXX ) and any discrepancies would fall off. I filed a dispute with Experian to report the account as closed and the results deemed the account as accurate. Not only do I have the receipt from where my insurance sent out the payment on the XXXX of XXXX, but also when I log into my XXXX auto account its showing the account as closed. So Im not sure why after investigation Experian is saying the account being open is accurate. 

I have had to fork out over {$1000.00} in rental fees because of this problem and me not being able to open a new auto loan because of this. This is unfair!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I sent out letters on behalf of the accounts listed below for inaccurate information : XXXX XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Department of Treasury Account Ending XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account Ending XXXXXXXX XXXX Account Ending XXXX XXXX XXXX  Account Ending XXXX XXXX  XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX  XXXX Account Ending XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

About 8 letters in response to my dispute and each letter has a different summary that doesnt reflect the status
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We applied a mortgage with Taylor Morrison Home Funding , LLC ( which is the in house lender for XXXX  XXXX  in the new home purchase agreement ). When we were told by loan officer that our loan was not approved by the underwriter ; instead of receiving the reason for rejection, they sent us an email stating withdrawn by applicants. 

We have never verbally or in writing withdraw our application. This is happens when there were less than 30 days before we supposed to close on the house. Now the builder ( which is affiliated with Taylor Morrison stated clearly in the purchase agreement ) pressured us to go with another bank otherwise we would not get our earnest money back. I feel ( its a conspiracy ) this is a common practice where they are forcing borrowers to get a high interest loan because both salesperson for the builder and Taylor Morrison mortgage banker said we would definitely get a loan from this lender ( XXXX XXXX  ). This also avoid the chance the purchase agreement would be void due to the inability to obtain loan from Taylor Morrison Funding. 

I tried to reach out to Taylor Morrison ( via email asking for an explanation ) and they have not replied as to why they put withdrawal by applicants when we were told that loan was rejected. 

I feel they are conspired to refuse a loan and direct us to another bank with higher interests. This seems to be an unethical and fraudulent practice and I am really scared to lose my earnest money ( pressure from salesperson from XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple inaccuracies in my personal information that should never have been there. These are not minor errorsthey are misrepresentations that could impact my financial credibility. I refuse to allow incorrect information to remain on my report and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these errors can not be substantiated with solid proof, they must be removed immediately. This is not a simple requestit is a demand for compliance with federal law. My report incorrectly lists the names " XXXX XXXX '' and " XXXX XXXX '' under my personal information. These names do not belong to me and must be removed without delay.
Product: Checking or savings account

On or around XX/XX/year>, I received a notification from Wells Fargo that they needed me to update my citizenship information in order to continue receiving banking product. They also send me a follow up email on or around XX/XX/year>. 

That same day, I sent an email with the requested information. 

On XX/XX/year>, the bank acknowledged receipt, and sent me a message into some " secure portal '' that I did not have access to. That message was saying that the account would remain active until XX/XX/year>. 

I called the bank multiple times, including on XX/XX/year>, to ensure that the issue was resolved, they told me that they would escalate the concern and call me back, but no one ever called me back. 

Then on XX/XX/year>, my account got frozen and I lost access to it, without any further notification. The bank did not take any step to ensure that I received their notification and locked my account ahead of the deadline that they set themselves. The bank employees I talked to did not communicate to me that a document was missing even though I was talking to them over the phone. 

On XX/XX/year>, seeing that my funds were frozen, I went to the branch who mentioned that I needed to fill additional information, which I did. 

I filed a complaint with Wells Fargo on XX/XX/year>, but they have not replied nor resolved the situation. 

The bank employee at the branch told me that it would take up to 10 days for the account to be unblocked, but as of today on XX/XX/year> the account is still blocked, and I have not received any further communication from the bank. 

The lack of communication, diligence in resolving this issue, and locking the account before the communicated date is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute US DEPT OF ED/XXXXUnder Dispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 51 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 12 accounts, 7 potentially negative View All Inquiries show tooltip button