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

When logging into account to receive free credit report and monitor freeze/unfreeze options ; have received same error message for XXXX month. Oops. Were sorry. Internal Server Error. Please call us at Ive repeatedly called the number, however their automated assistant has no appropriate options and is unable to resolve the issue. When I ask for a customer service representative, or agent, the automated assistant says, Im sorry. I can only transfer you to an agent under certain circumstances.
Product: Credit card or prepaid card

on XXXX/XXXX/2017 we made our payments on time my husbands payment processed and mine did not even though we made the payment on time the payment for my account did not process and was assessed a XXXX dollar late fee and tried talking to them explaining that we made the payment on XXXX /2017 and it did not process I truly believe there system was having issues that the payment did not process
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against TransUnion for their failure to address multiple unauthorized inquiries appearing on my credit report. Despite repeated attempts to resolve this issue, including sending multiple dispute letters and providing a police report, TransUnion has continued to ignore my concerns and failed to act in accordance with their obligations under federal law. 

Details of the Unauthorized Inquiries : The following inquiries are incorrect and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Steps I Have Taken : Police Report : I have filed a police report with XXXX XXXX at the XXXX Police Department, which is included with this complaint as evidence of identity theft or fraudulent activity. 
Dispute Letters to TransUnion : I have sent multiple letters to TransUnion disputing these inquiries, attaching relevant documentation, yet TransUnion has failed to take corrective action or provide a substantive response. 
Applicable Legal Protections : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c-2 : Consumers have the right to block information resulting from identity theft or fraud upon providing proper documentation, such as a police report. 
15 U.S. Code 1681i : Credit reporting agencies are required to investigate disputes regarding inaccurate information within 30 days and take appropriate corrective action.

15 U.S. Code 1681b ( f ) : The inclusion of unauthorized inquiries violates the requirement that credit inquiries be permissible under the FCRA.

Resolution Sought : I request that the CFPB intervene to ensure that TransUnion : Immediately remove the unauthorized inquiries listed above.

Conduct a thorough investigation into their lack of compliance with the FCRA.

Provide a detailed response outlining the actions taken to address my dispute.

The presence of these inquiries is adversely affecting my credit score and financial wellbeing. TransUnions continued inaction demonstrates a disregard for their legal responsibilities and my rights as a consumer. 

I trust the CFPB will hold TransUnion accountable and ensure compliance with federal laws. Please contact me if further documentation or information is required.
Product: Money transfer, virtual currency, or money service

Hi dear PayPal team! 

You have sent me an email that you are revewing again the case and transaction to decide for a refund as I didn't get the item paid for. Please get back to me and decide for a refund as I have lost {$360.00} from this transaction. 

Best regards, XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : <XXXX> Date : Monday, XX/XX/XXXX Subject : Case Number : XXXX To : " XXXX '' <XXXX> Dear XXXX XXXX, We have concluded our review of the following case : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Seller 's Name : XXXX XXXX Seller 's Email : XXXX Seller 's Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : - {$360.00} USD Your  Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We can see that your payment was completed almost two years ago, which is now outside our 180 days Buyer Protection timeframe ( on the XXXX of XX/XX/XXXX) We can see, as well, that you have closed the dispute most likely because it has been requested to do so or because you expected the item to arrive correctly. 

Then on the XXXX of XX/XX/XXXXyou reported the transaction as unauthorized, but once no unauthorized access was found on your account, we could confirm the payment was, indeed, completed by you. 

We do understand you still would like to receive your funds back, but so far we have no evidence that the item has or hasn't been shipped and delivered correct to you. 

Please keep in mind that this payment is now outside our Buyer Protection Policy,  but we would like to clarify as much as possible if the seller has or hasn't shipped the item to you. 

Feel free to provide us with any evidence you might have that helps confirming this item has never been sent to you ( such as email, message exchange, XXXX comments, anything that might help us clarifying your constant appeal ). 

Please email us at XXXX, but keep in mind this payment is not covered by our Buyer Protection Policy anymore. 


Yours sincerely, XXXX XXXX PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Help : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please do not reply to this email because we are not monitoring this inbox. To get in touch with us, log in to your account and click " Contact Us '' at the bottom of any page. 

Copyright XX/XX/XXXXXX/XX/XXXXPayPal Inc. All rights reserved. 

Consumer advisory : PayPal Pte Ltd, the Holder of the PayPal payment service stored value facility, does not require the approval of the Monetary Authority of XXXX. Consumers ( users ) are advised to read the terms and conditions : XX/XX/XXXX carefully.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to notify the consumer reporting agencies : XXXX, XXXX and Equifax, that I have opted out with XXXX XXXX to stop sharing my nonpublic personal information with nonaffiliated third parties. 

COMPLAINT ID # : XXXX Submitted on : XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX with a request to correct wrong information on my reports. Names are misspelled, Inaccurate information. I sent several Request to XXXX  to correct and resolve. I keep getting denied for credit
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Student loan

I have Student Loan Repayment written into my XXXX XXXX contract. As of XX/XX/year>, I had the required XXXX XXXX XXXX filled out from the XXXX XXXX XXXX and submitted that information to Ed Financial to process my student loan repayment. The first installment of my student loan repayment is {$6600.00}. 

When I upload the required document to Ed Financial, nothing shows under the " Documents You Sent Us '' tab. I have attempted to upload my XXXX XXXX XXXX XXXX times to Ed Financial with no success. The first attempt to submit my student loan repayment paperwork was on XX/XX/year>. I sent an email to military @ edfinancial and only got what seemed to be an automated response, saying " I have submitted for special review and processing of your documentation. This is typically done within 5-7 business days. ".

I waited past the 7 business days, checked for any updates and still found nothing. When reaching back out after the 7 business days, I was again lead to no conclusion whether Ed Financial was processing my repayment paperwork.

I was told it would take 3-4 months to process this paperwork from the XXXX XXXX XXXX XXXX and I am beyond that timeframe while paying monthly payments to these student loans as well as interest being incurred monthly. I am supposed to submit a new XXXX Form XXXX every year before the anniversary date of my military contract, but I can't seem to get last year 's payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that appears on my credit report due to fraudulent activity. The account in question is listed as a cosigner account that I did not authorize or sign for. I have obtained a copy of the contract. Neither my signature or initials are on the contract. I provided my information to the lender but was unable to provide a physical signature on the contract due to me being in Hawaii and the dealership being in Georgia. I did not sign this contract.
Product: Checking or savings account

On XX/XX/XXXX, XXXX mobile deposited a check for balance transfers for the amount of {$9000.00}. On XX/XX/XXXX, I received an email stating the check was accepted and the funds are available. I then logged into my banking account and observed the check was accepted and funds available. I used the funds to pay high interest credits cards off. On XX/XX/XXXX, I logged into my banking and observed that I had a large negative account balance, but there was no indication as to why. Next, I called customer service and was told that a manager would call me back the same day for this matter. I never received a phone call. Today ( XX/XX/XXXX ), I again logged into my mobile banking and saw a large negative number, but there was no indication as to why. I called customer service and was told I had to now call the fraud department because they placed a hold on the check I had deposited. Also, there was XXXX overdraft fees now on my account. In addition, I saw the payments I made that been returned.
Product: Checking or savings account

Bank of America garnished my fund that I have deposited from social security check.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you XXXX be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Vehicle loan or lease

The XXXX has not worked since XXXX of this year and has been parked. I had kept up with the overall maintenance and I didnt understand why. 
I was advised to take it to the dealership as the XXXX engine was under recall. 
After contacting XXXX Consumer affairs Reference no # XXXX  XXXX The engine is under recall and quality to be fixed. 
Understanding that to be true I took the car to the XXXX dealer XX/XX/XXXX XX/XX/XXXX the dealer contacted me and said that although its engine failure that its not covered and it was then I contacted GM financial asking them to please take the car back during a conference call with my husband. XX/XX/XXXX GM agreed to take the car back and told me that it would show as a repo. The company left the car abandoned at the dealership after agreeing to take possession and is aggressively pursuing payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Care Credit # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through a letter way back on XX/XX/XXXX about inquiries that I did not authorize that are showing on my credit report I made it respectful request into the investigation and I have not heard anything back it has been over 30 days. I also followed up with a 30-day demand letter tracking number XXXX XXXX XXXX XXXX XXXX XXXX and I still haven't heard anything has been verified deliver by the tracking number on the letter attached to this complaint.
Product: Credit reporting or other personal consumer reports

its seem after several attempts Equifax has failed to validated multiple accounts. I have asked Equifax provide me with a signed contract or delete these accounts and they have failed to do so
Product: Credit card or prepaid card

In XX/XX/XXXX, I referred my " American Express Blue Cash Preferred '' credit card to a friend with a special referral offer saying " earn {$75.00} Reward Dollars per approved referral ''. 

My friend successfully received his card and my account is supposed to receive {$75.00} rewards dollar within 8-12 weeks per term, ( no later than XX/XX/XXXX ). 

However when I remember it and check my account rewards history after one year ( in XX/XX/XXXX ), I didn't see any referral bonus rewards, I contacted customer service about that, then the pain started. 

Every time I was connected to a representative, I had to tell the story once, then they created a case and said it had to be reviewed by other teams and it would take couple weeks for response. I waited for about a month without hearing anything back, then I tried to contact again, repeated what I had done and fell into reporting then waiting for another couple weeks loop. 

I tried to follow up at least 4 times in XXXX, XXXX, XXXX, XX/XX/XXXX. 
Sometime I was told I would be contacted after investigation is complete, sometime they said missing rewards would show up in my account after investigation and I do not have to contact again. 

No surprise, neither of them happened. So I contacted them again in XXXX and learned something new. They told me investigation was done and my case was already closed without doing anything to resolve the problem. I could not understand what's wrong with them and how that simple case needs so long time for investigating. They opened a new case for me and asked me to wait. 

This time I received an email asking me to call a number to discuss my case ( first time ). 
I called twice, all disappointed. 

The 1st call told me they need contact other team and will call me back after they have a response, but I didn't receive a callback.

After a few days, I made the 2nd call which put me on hold after hearing the story, but then I was transferred to another agent who has no idea about situation. I have to start over with the story, then I was put n hold for more than half an hour without hearing a word, so I hang up. 

I get an old ticket number " XXXX '' which was opened before and closed without providing any resolution, and I have this latest ticket number " XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX. I paid off the complete balance in early XXXX with a remaining balance of {$10.00} as advised. After 30 days, Equifax still showed THE HIGH balance. I submitted a dispute on 4 separate occasions. Equifax responded 4 different times and said that it was resolved. There was no change to the report or my score, because of the delay in updating my report ( XXXX and XXXX updated their info ) we were denied credit for a mortgage to build a home. Additionally, because this process of getting an update credit score by Equifax was delayed the seller increased the price by {$500.00}!!! and will keep increasing it every month. I checked Equifax this morning and STILL NO UPDATE!!! WE ARE GOING TO NOT ONLY LOSE OUR DEPOSIT BUT ALSO HAVE INCREASED THE SALES PRICE OF THE LAND. All of this because Equifax refused to do it's job and report accurate information.
Product: Debt collection

AWA COLLECTIONS Original creditor XXXX XXXX XXXX Account number XXXX Date opened : XXXX XXXX XXXX They have not provided debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter asking Equifax to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.
Product: Mortgage

I am writing to complain about an reoccurring issue with Nationstar. In XXXX 2015 I paid my mortgage through the Nationstar payment system an deceived a confirmation. Later, I received notice that I had been reported 30-days late on my mortgage hen I had in fact paid it. Later after speaking with a Nationstar representative I was told that they had never received the payment and that there appeared to me a problem with my account. I have used this account on previous occasions without issue, but Nationstar stated that they had to research the issue, but after three months I have not received a response to my inquiry. Currently Nationstar is reporting my account as 30-days past due and it is severely impacting my credit. This is the second time this has happened with Nationstar within a year and I am eager to get this removed from my credit so that I can re-finance my mortgage through another lender. Any assistance the CFPB can provide me would be greatly appreciated. Best Regards
Product: Checking or savings account

I recived an email from my school regaridn a work form home oppturnity. I sent an email to it and shortly after i recived a text message from this guy name XXXX XXXX XXXX. He told me this was a work from home oppturnity and i would need to be his personql assistant. He sent me a checkfor XXXX and to depaoit it into my bank acocunt. After i did that he told me to trandfer those funds via XXXX to other XXXX  for work related stuff. I sent him that moneg back. Then i found out that my citibank account was blocked becuasr this was a fruadlent check and i was a victim of scamm and fraud. My citibnak account was closed and my own money was. Taken from me. Citibank told me to file police report which i will be doing shortly and report this fruad. I need my Citibank account opened and i need my money. Please help i have all the evidences. The text messages the emails. Citibank is telling me that my acocunt wont be opened and my own money XXXX wont be given back. Please help me
Product: Checking or savings account

Capital One is having a company one issue regarding deposits. I was told it would be fixed by this morning and I still havent received my direct deposit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institutions and Zelle have failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs. Findings indicate that Zelle has neglected to protect consumers information and has allowed multiple offenders to exploit the system leaving users like myself vulnerable to scams. This great lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account with XXXX XXXX/ XXXX XXXX , account number XXXXxxx balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from experian and XXXX. XXXX  already deleted this account
Product: Debt collection

Received a collection notice from Convergent attempting to collect a debt for XXXX for over {$1000.00}. I have never had an account with XXXX, and I dont know how this account came about. I have reached out to Convergent and XXXX, as well as my local Sheriffs office. I also disputed this account on my credit report. XXXX indicated I may file a fraud report ; however, no information was provided as to when the account was opened, by whom, etc.