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

I am filing a complaint against transunion for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I contacted Holloway Credit Solutions in XX/XX/2021 requesting a verification of debt regarding an alleged debt in the amount of {$5500.00} they have reported to my credit report. I received correspondence by mail from Holloway Credit Solutions dated XX/XX/2021 in response to my request of verification. I do realize that some financial information must be shared with companies regarding debt, however debt collection agencies are not allowed to send me copies of my personal health information, the health entity can only do this. Due to this being a medical bill, Holloway Credit 's proper protocol was to have the medical entity send me my personal health information for verification purposes. Holloway Credit, as a debt collection agency is not allowed to DIRECTLY send me any transactions regarding the type of XXXX XXXX I may have had performed. This information would have to come directly from the facility or physician that provided the service ( s ). Holloway Credit sent me a copy of my personal medical information and this is a violation of HIPAA laws. This means that my information has been viewed by people that I do not want to see my health information.
Product: Mortgage

Round Point Mortgage Foreclosed and sold my home during a VA Loan Modification application process but they neglected my application and Denied modification process to protect the best interest of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. 
Round Point Mortgage stated they sold home to another recipient for around {$220000.00} and it wasn't sold to XXXX, Texas Real Estate XXXX XXXX. 
XXXX sent me a note that him and his wife bought my house at XXXX County Auction from Round Point Mortgage Law firm XXXX XXXX XXXX. 
So, Why is Round Point falsified that XXXX XXXX is not the recipient who purchase my home at auction? 
Also, HOPE Program Rep called Round Point Mortgage and assisted me on VA Loan process, we called twice and the second time, Round Point Mortgage Rep stated they sold the house at the auction on XX/XX/2018. 

A completed application was faxed and emailed and Federal Government has evidence and one last note, Round Point Mortgage was given evidence on my XX/XX/XXXXXXXX and Pain issues and under Prescribed Medications and XX/XX/XXXXXXXX Treatments with my Primary Physician and Surgeon Dr , XXXX XXXX XXXX. 
Round Point Mortgage has violated my ADA Disability Civil Rights Act under Department of Justice and has Discriminated and Retaliated against me because I filed various Federal Complaints and because I am XXXX XX/XX/XXXX and a XXXX US Military Veteran. 
Since Round Point Mortgage has violated Federal and State Law in selling my home and facing alledgations of VA Loan Modification, VA Loan Fraud, Corruptions and Frauds there should be a Financial Restitution of the equity  of my home to accommondate me on my new home that I like to persue in California. 

Respectfully, {$8000.00} is not enough to purchase a home in XXXX, California. I need a home to be retired in peace and nurse my XXXX XXXX. 
Round Point Mortgage Law Firm doesn't want to accommondate me on my XXXX and not honoring and supporting me as a Military Veteran.
Product: Debt collection

I had an outstanding debt that I owed to XXXX XXXX XXXX for a total amount of {$180.00}, the outstanding debt was sent to a collection agency by the name of LJ Ross. After many harassing phone calls I set up a payment with this company to settle my debt. On the date of XX/XX/XXXX LJ Ross withdrew the total amount of my debt of {$180.00} which was previously agreed on. About 5 days after the transaction i checked my credit report and saw my score had gone up due to LJ Ross changing the status of my account to closed and paid in full. Today XX/XX/XXXX I checked my credit report only to see that my score had changed significantly due to LJ Ross adding a new account in collections for the same debt that I had previously paid off. The collection agency of LJ Ross is attempting to collect again on a debt that was previously paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX on XX/XX/2022, requesting that will investigate the disputed accounts from my credit report as well as place temporarily update these items from my report during the investigation period. As of this date, Experian, XXXX and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$1100.00} ; XXXX  XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Credit Acceptance regarding their unethical practices, specifically related to bullying, improper use of my credit report, and hidden fees associated with my car loan. I believe that these actions are in violation of consumer protection laws and regulations. 

I entered into a car loan agreement with Credit Acceptance on XX/XX/year>. Since then, I have experienced numerous instances of bullying and harassment from their representatives. They have resorted to aggressive and intimidating tactics, including constant phone calls, threats, and abusive language. This behavior has caused significant distress and anxiety, affecting my overall well-being. 

Additionally, I have discovered hidden fees associated with my car loan that were not disclosed to me during the loan application process. These undisclosed fees have resulted in unexpected financial burdens and have significantly impacted my ability to meet my financial obligations. 

The balance that is being shown on the credit report is very different from what I am looking at when I sign in the credit acceptance app. 
Im paying for this car two times the amount that I see the advertised price for. 

The internet price was XXXX. When Im checking after that time I realize I was tricked into being a failure.. 

Upon checking my recent credit report I see many inaccuracies and I disputed them 3-4 times with the credit bureau XXXX 

Each time they all came back verified and accurate. 
I ask for reinvestigation in another dispute and I get the same result. 
So now Im thinking no one is actually doing anything. 
Because my report has these errors. 

I been making a weekly payment and my balance never change each month on my credit report. 
I also disputed this and it came back the same while Im making these payments. 

I now regret getting this car and feel manipulated into a trap of messing up my credit worthiness. 

I have attempted to resolve these issues by contacting Credit Acceptance directly, but their response has been unsatisfactory. They have been uncooperative, dismissive of my concerns, and have failed to provide any reasonable solutions or explanations. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against Credit Acceptance. I believe their actions are not only unethical but also in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

Like many people in the current high interest rate environment, I chose to keep my uninvested cash in a high-yield saving account. I made the ( unfortunate ) decision to trust Goldman Sachs Marcus with what essentially amounts to my life-savings.

Recently, I decided to transfer all of these funds to XXXX, as they offered a meaningfully higher interest rate. 

Initially, it looked like the transfer had gone through. However, the following day I received an email from XXXX stating that Goldman Sachs had cancelled and reversed the transfer, with no explanation or reason why. 

Days later, I noticed that the funds ( well into the six-digits ) were no longer in XXXX, but also no longer in Goldman Sachs Marcus . I assumed that the reversal would take a few days, but when I checked back a few days later, I was completely locked out of my Goldman Sachs account entirely and could not even log in. At this point, I am still unable to access the account / funds, which I use to pay my rent, bills, etc. 

Since then, I have spent over XXXX hours on the phone with Goldman Sachs customer support trying to understand where the funds are and what is going on - No one has been able to give me an answer and I just keep getting passed from one " specialist '' to another - None of whom have any answer or resolution.

Needless to say, I am extremely concerned ( read : in a state of panic ), as this is effectively my life savings that has gone missing with no explanation.

Goldman Sachs Marcus is also refusing to pay me the interest that is owed on this account as well. I have spent XXXX hours on the phone with customer service trying to get them to send me my interest payment, and they just keep transferring me to other " specialists '' who can not help me. 

Goldman Sachs should be investigated for fraud as it looks like this is happening to many people on social media.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries on my report violate 15 USC 1681c-2, hurting my credit. Please correct these errors by removing them. Thank you!
Product: Debt collection

XX/XX/XXXX XXXX Credit Report SENTRY CREDIT INC & XXXX ACCOUNT : XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sentry Credit Inc, I am one of those people that check their credit reports quite often, almost twice a day to ensure accurate and legal reporting of items. Today I wake up to a notification that you all have placed this account ( XXXX ) on my credit file after being aged for 4 years. This account was an XXXX debit card from XXXX. I recently called XXXX, on XX/XX/XXXX to see was the balance ever taken care of even though it was not on my credit. This was me simply trying to make sure I was in good standing as a customer and be proactive to take care of any past issues. They told me it was and I let them know I wanted to pay that day. ( Per the notes in the system ) I wanted to pay by debit card and they only accepted ACH payments and was not able to give me a receipt. I then told the representative that by the end of the month, I would go into a XXXX store here in XXXX and pay the balance in full by cash. 
I went into a store on XX/XX/XXXX and the lady could not find the account and stated she was new. I then told her do n't worry about it I would come later. Today I paid the account at XXXX, and I have a copy of the receipt enclosed with this letter. 

I am disputing the referenced account above as it has been reinserted back on my credit unethically and illegally. In accordance with the requirements of the FAIR CREDIT REPORTING ACT as stated below, I am herby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 

*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; Sentry Credit Inc. & XXXX has not informed me of reinsertion and I have not received anything in writing about this. This is a SERIOUS violation of the FCRA, and I reserve the right to pursue further action. This violation will result into a {$1000.00} fine payable to me. Your agency may avoid such action by immediately deleting this from my credit report. 

Thank you, XXXX
Product: Credit card or prepaid card

Bank of America administers the debit card for the California Employment Development Department. When EDD pays unemployment benefits to the card, the funds can be withdrawn, transferred and/or the card may be used as a debit card at any merchant that accepts Visa. Bank of America is preventing monies paid to me by EDD. Bank of America will not allow withdraw, transfer, nor card usage at merchants. Contacting Bank of America seven times in 3 days regarding this issue results in seven wildly different reasons for their block access to funds that I believe to be owned by me. From " your account is closed ' to " there's a block on your card '' to " we removed the block ( 3 times ) and you are good to spend or withdraw '' to " we need to transfer you to our 'risk ' department. '' None of these claims being accurate or true. However, the complaint is not specifically for the above mentioned issue. The complaint is for the staggering lack of accountability held to the customer service representatives. And for the stunning absence of any person overseeing both the performance and behavior of the CSRs. Six additional calls placed with 76 minutes of audio documentation taken by me with the only purpose being the simple request to speak with any supervisor that would accept my call. Not one of those calls resulted in my speaking with a supervisor despite my clear and respectfully toned request to reach a supervisor. Four of the six call audio recordings show being transferred to a number which rings infinitely for up to 45 minutes, and the remaining two calls and requests were met with 30 minute holds while the CSR attempted to find a supervisor. Each were eventually simply disconnected rather after the 30 minutes of hold time by either the CSR or the Supervisor. Bank of America holds not only my CA EDD UI benefits on behalf of EDD, funds paid to me, Bank of America also holds my business funds and personal checking and savings. What is going on at Bank of America. Who is running the company?
Product: Credit reporting or other personal consumer reports

I discovered that my personal information has been exposed with the XXXX data breach. I am very upset that my privacy has been exposed.. I am also upset that fact that I have not given anyone written consent to share my personal information 15 U.S.C 6802 obligation to disclose personal information. Where is the accountability? To my unsderstanding as a federal protected comsumer all financial institution must protect the right for privacy. Due to the fact my personal information was exposed I am demanding the non affiliated agencies such as XXXX, Transunion and XXXX to delete all accounts listed with the FTC report below. This is my formal written consent to remove all unathorized accounts from my consumer report. 15 U.S.C 1681b ( 2 ). I have attached a copy of the screen shot the XXXX data breach results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to rectify a serious error on the part of TransUnion Consumer Relations. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply from my 1st complaint ( see attached response to my 1st complaint ) TransUnion has verified that the bankruptcy information reported in Ms. XXXX credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on their credit report as permitted by federal law. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, TransUnion provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', TransUnion would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

TransUnion has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. This is my last attempt for them to rectify this serious and inaccurate reporting error. My next step will be small claims court where I will be seeking {$1000.00} per violation of 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.

Finally, TransUnion claims to not have my current address. That is a false statement as they have sent numerous documents to me over the past 9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit ReportingAct 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  recently reported my balance as being over limit and at XXXX dollars. This is not accurate as I made a payment of XXXX dollars before this information was sent. Please correct this information per FCRA guidelines.
Product: Checking or savings account

I submitted a dispute on XX/XX/XXXX because my debit card was used at a XX/XX/XXXX and someone withdrew money from my checking account. I do not use an ATM. I NEVER need cash. My PIN is on my card and it was taken or lost and then I noticed these charges. I immediately dispute and then I received a notice on XX/XX/XXXX, that there was no fraud. 

There was fraud, and I need this {$400.00} for Rent. SoFi denied my request.
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 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. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused serious inconveniences and financial losses, and I seek appropriate accommodations for these violations.
Product: Mortgage

I am trying to payoff my existing mortgage with Community Loan servicing. On the payout form they have charged an additional four and three eighths percent or {$980.00} to my principle balance. this represents a full years interest on the existing loan. There is no explanation " includes 2nd UPB ( {$0.00} ) and " interest at 4.375 %. Can they do this? Have I any recourse? Thank you in advance for any advice you can offer. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I initiated a Bank Transfer of {$75000.00} from my XXXX XXXX XXXXXXXX checking account into an Ally Bank CD account on XXXX XXXX XXXX 
This transfer was initiated from my Ally Bank account. 
The transfer completed on XXXX  with a status of delivered ( indicating the money was successfully transferred ). 
My XXXX XXXX XXXXXXXX checking account indicated the money was withdrawn on XXXX 
The {$75000.00} never showed in any of my Ally Bank accounts ( checking, savings, CD ). 
I contacted Ally back on three seperate occasions. The first was via a secure message via the Ally Bank website. The other two times I called them.

Their initial response was that the Bank Transfer failed since the CD account I was trying to transfer money into was already funded and I needed to contact XXXX XXXX XXXXXXXX and dispute the transaction. I contacted XXXX XXXX XXXXXXXX on XXXXwo seperate occasions. Each time, XXXX XXXX XXXX indicated the Bank Transfer was successful and that they could not reverse the transaction except in the case of fraud and that Ally bank would have to send the {$75000.00} back to XXXX XXXX  XXXX. When I talked to Ally Bank support about what XXXX XXXX XXXXXXXX told me, they said they would fix the problem in 2-3 business days. Each time Ally Bank would then call me back after 2-3 days and say that the transaction failed and I would have to dispute the transaction with Bank of XXXX XXXX So I don't have access to the {$75000.00} transferred to Ally Bank and Ally Bank and XXXX XXXX XXXXXXXX both claim they can't fix the problem.