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

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXXXXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Mortgage

On XX/XX/2019 I made an online payment on PNC 's website. The next morning I discovered that they had withdrawn the mortgage amount twice without my authorization. 
I called them immediately and was told that they had a glitch int their system and it would take 24-48 hrs to return the funds. I called them again on XX/XX/2019 because the money had not been returned as promised. This time I was told that it was 24 -48 business hours from the time that I called them. 
They have put the onus on the consumer to call them prior to them releasing the unauthorized withdrawal and have done nothing to inform the consumer of the mistake. In the meantime I have had overdraft fees and have to use a credit card for any new expenses. PNC has not offered to refund any interest or finance charges on the credit card and they have prevented me from using the money as a source of income. They will not reimburse for opportunity lost.
Product: Debt collection

Apparently during the time that this account was opened I was XXXX I have sent over all documents stating the time of my XXXX to all XXXX reporting agencies
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion regarding fraudulent collections added to my credit report, my inability to effectively dispute them, and poor customer service that has worsened the situation. Time is critical, as I have a limited window to dispute the validity of these collections. Below are the key issues : 1.Fraudulent Collections Discovered on My Credit Report : Two fraudulent collections attributed to XXXX XXXX XXXX XXXX have appeared on my credit report. The first reports a balance of {$1000.00}, and the second reports a balance of {$870.00}. Both were added on XX/XX/year>. These accounts are fraudulent and the result of identity theft. I was only able to learn of these collections through XXXX XXXX because I have been unable to access my TransUnion credit report. 
XXXX.Inability to Access Credit Report Since XX/XX/year> : Since XX/XX/XXXX, I have been unable to view my credit report through TransUnion despite repeated attempts. This lack of access prevents me from verifying additional changes to my report or confirming whether disputes I filed have been processed. 
XXXXDispute Portal Malfunction : I currently have an open dispute with TransUnion, but I can not view its status or progress due to repeated errors in the dispute system. This has left me without a reliable way to address or escalate the fraudulent collections in a timely manner. 
XXXX.Conflicting Information and Poor Customer Service XXXX The agents I have spoken with have provided conflicting and unhelpful information. For example : One agent stated that my credit report is only updated weekly, which contradicts TransUnions claims of real-time reporting. 
Another agent discouraged me from mentioning my rights under the Fair Credit Reporting Act ( FCRA ) statutes, which I found both unprofessional and dismissive of my rights as a consumer. 
Some agents displayed unhelpful and rude attitudes during our interactions. Screenshots of these interactions are attached as evidence. 

Impact on Me : The combination of fraudulent collections, inaccessible tools, and poor customer service has left me unable to protect my credit profile or resolve issues caused by identity theft. I am at risk of long-term financial harm if these fraudulent collections are not removed promptly. The conflicting information provided by TransUnion agents has further delayed resolution and caused unnecessary stress.
Product: Credit reporting or other personal consumer reports

I've sent proper documentation to XXXX XXXX to delete this account from my credit and they still have failed to do so
Product: Mortgage

Sat, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX, Yes, the payoff amounts shown on the loan papers reflect the balances reporting on credit. Thats why we are worked on obtaining settlement agreements with the creditors. For compliance we must write the checks as it shows on the credit report, but we will only need to pay the creditors they amount agreed to. 



XXXX  XXXX amount reporting on Credit is : {$5800.00}. 

XXXX  XXXX Settlement amount is {$2300.00}. 

Difference : {$3500.00} XXXX accounts reporting on credit {$9800.00} + {$1700.00} = {$11000.00} XXXX XXXX amount for both is : {$5600.00}. 

Difference : {$5900.00} Combined Difference : {$9500.00} This is the combined amount that will be refunded back to you after paying off the settlements for both creditors. 



Looking forward to speaking with you on Monday in full context to the next steps, but for confirmation was the closing paperwork completed today? 



Regards XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Company XXXX  # XXXX Tel : XXXX | Fax : XXXX | Cell : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, Florida, XXXX
Product: Money transfer, virtual currency, or money service

THE AMOUNT THAT MY SISTER SENT ME IS OVER {$3500.00} APPROXIMATELY. MY MOTHER XXXX  SENT ME MORE THAN {$4000.00} MY BROTHER SENT ME {$600.00} MY OLDER SISTER SENT ME THROUGH MY NIECE 'S ACCOUNT {$450.00} APPROXIMATELY. I TOLD CASH APP XXXX OPTION XXXX TO CHECK WITH THEIR DATA. OF THOSE AMOUNTS, A LOT OF MONEY DISAPPEARED FROM MY XXXX XXXX ACCOUNT. I INFORMED THEM THAT IT IS NOT ONLY THE SUM THAT THEY WANT TO RETURN BACK OF {$68.00}, JUST FOR XXXX DAY THEY TOOK {$80.00} FROM ME AND THIS HAS BEEN HAPPENING FOR MORE THAN XXXX AND A HALF YEARS. PLEASE REVIEW ALL THE TRANSACTIONS, RECEIVED FROM XXXX, XXXX ALSO XXXX, PLEASE RETURN ALL THE TRANSACTIONS THAT I AM MISSING. PLEASE SEND COPIES OF THE SAME SINCE I HAVE TO PAY TAXES FOR THE SAME IN XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to XXXX, TransUnion, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to XXXX, TransUnion, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the XXXX Credit Card. 


XXXX XXXX XXXX
Product: Checking or savings account

I opened a spend account with Credit Karma and transferred funds. One transfer was duplicated and left my original checking account overdrawn. I initiated {$2000.00} transfer the XXXX and they state I initiated one on the XXXX but can not provide any proof such as time ect. I was told by their rep to get with my bank to have it reversed. I did so and Credit Karma locked my account. The money has now been figured out, my original checking is right and my Credit Karma account shows exactly what I initiated to be deposited. However they have left my account locked despite numerous attempts to inquire why. What concerns me most is that when you call in all you can speak to is a ticket agent who sends the actual banker a message, no direct contact is allowed. I feel that while I have used their products in the past with no issues that somehow a scammer got into this matter or has a fraudulent link on their account. Any repose from them is that they cant tell me anything at this time which in the bank world is very concerning when your asking for basic details of transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitting this complaint against XXXX there is no third party involved. XXXX dBA ' XXXX XXXX XXXX XXXX XXXX has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND XXXX TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. XXXX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/2019
Product: Vehicle loan or lease

ACCT # : XXXX Car 's XXXX # : XXXX About a year later after returning the lease, and getting a new lease with the same company " Volkswagen credit '' I received a " Turn-in invoce '' charging me {$800.00} dollars. As soon as I received this invoice, I called them to explained to them, that 6 months prior to this letter, Volkswagen Credit had sent me another letter, letting me know, that the account HAD BEEN PAID IN FULL, and no other fees were needed. 

In addition, they had already updated the balance to {$0.00} on my credit report, as well as to the status of " Paid and closed '' They explained to me, that the had sent me the " PAID IN FULL LETTER '' by mistake, and prior to them re-selling the car. I told them, that it was n't my fault, and that they are in violation of the Uniform Commercial Code, by charging me this fees, 1 year after returning the car back to them, and after I had already received a letter from Volkswagen Credit stating that I owed anything at all. 

Volkswagen credit told me that, they can not do anything but to charge me % 50 of the turn-in invoice, as a courtesy. However, i refused to because, they had already sent me a PAID IN FULL letter. This is not fair. 

I had sent letters after that, without any response from them, I had called many times without response either. I have been leasing cars from them for more than 5 years now without being late once! This is not a good way to treat a loyal buyer.
Product: Credit reporting or other personal consumer reports

I have an account with a company called XXXX XXXX. I have never had any late payments. I have noticed that since I have been disputing items regarding my balance to CFPB as well as to each individual Credit Bureau 's, XXXX XXXX as well as a few other companies, have been reporting my credit usage several times within the same month. 

My Credit statement is from the XXXX of the month until the XXXX of the month. This changed XX/XX/XXXX. Previously, it was from the XXXX ( or whenever each month ends, ex XXXX for XXXX, XXXX for XXXX, XXXX, etc ). 

Starting around XXXX of this year, ( XXXX ), they have been reporting my balances and as my balances have increased, my credit score has dropped drastically. I called them on XX/XX/XXXX after I noticed this pattern and after my score decreased drastically of this. My Case # is XXXX ( XXXX XXXX  ). They could see what my balances were at the end of the billing cycle and what they were reporting, which was totally different, however, they wanted me to go back online and supply them with what I saw on my credit report, as if they were oblivious to what they were seeing and what they reported. I advised them that I refused to do their job for them and they could SEE what I was looking at. 

They never resolved this issue and I have lost well over XXXX points with XXXX alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX  XX/XX/21 XXXX XX/XX/21 XXXX XXXX  XX/XX/21 Have contacted transunion and creditors on multiple occasions to remove these from my report as they were not authorized. Creditors will not supply any proof to validate inquiry or delete. Transunion refuses to delete.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have reviewed my credit report and found that certain accounts are incomplete and inaccurate, constituting a violation of 15 USC 1681e ( b ).

Additionally, there have been breaches of 15 USC 1681s-2 ( a ) & ( b ), as well as 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ).

Under 15 USC 1681n, any failure to address and rectify these issues will result in civil liability for willful noncompliance. 

Accounts : XXXX. ) XXXX XXXX XXXXXXXX ) This account must be removed immediately due to violations of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

Please ensure the removal of the aforementioned accounts from my credit report and provide me with an updated copy post deletion.
Product: Money transfer, virtual currency, or money service

Bought {$5000.00} worth of  XXXX  from Coinbase on  XXXX   XXXX .  XXXX  was promised to arrive in my Coinbase  XXXX  wallet on  XXXX   XXXX . It is  XXXX   XXXX  today and I still do not have the promised bitcoins. Funds were taken out of my bank account by Coinbase. Coinbase customer service is non existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 lost, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently have been repairing my credit and noticed a bunch of inquiries from lenders I currently have no open accounts with and for the most part have no knowledge of applying for!
Product: Payday loan, title loan, or personal loan

I took out a XXXX payday loan around XX/XX/2020. Unbeknownst to me, they are charging me 700 % interest every other week. ACH payments of payments XXXX are being deducted from my bank account. I read complaints from XXXX  and other consumers are going through the same. Also the company is not willing to work out a solution because they are under some tribal immunity from adhering from our state laws regulating caps on percentages. Well I feel like if I am not a member or governed under their reservation of laws then this loan should be illegal. I am willing to pay the principal back on top of the XXXX they have already taken out. I wish the government would step in stop this form of practice that the Indian tribal reservations have set up.
Product: Credit reporting or other personal consumer reports

I've discovered inaccuracies on my credit report in relation to 15 USC 16c-2. The inquiries shown were not authorized and are hurting my credit. Please erase all unauthorized hard inquiries. Thank you!
Product: Mortgage

I contacted the mortgage company and asked them to remove the monthly Private Mortgage Insurance since my home is under 78 % loan to value. I received a letter from the company that stated I need to have the loan with them for at least 2 years before they will consider removing the monthly Private Mortgage Insurance from my loan.
Product: Student loan

In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following account listed on my credit report : \n Account Name : XXXX XXXX Account Number : XXXX Amount : {$15000.00} Account Name : XXXX I am writing to formally request the removal of an account from my credit report as reported by TransUnion XXXX This request is based on the recent deletion of an account by XXXX, XXXX XXXX XXXX. I recently disputed a charge-o for Account Name : XXXX XXXX Account Number : XXXX Amount : {$15000.00} ; Account Name ; XXXX .. following a thorough investigation, XXXX, XXXX XXXX XXXX has completely removed this unverifiable/Fraudulent account from my report as of XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX and XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX, XXXX and Transunion has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX, XXXX XXXX XXXX XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX, XXXX XXXX XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I was attempting to replace my debit card on file to another debit card with Cash App. It was not allowing me to complete change it stated invalid debit card number so I attempted several times and still no success. I clicked on Cash App support from there application and was led to customer service representative. The representative fraudulently transferred money to other accounts and to bitcoin stating this is how they fix issues with debit cards that have issues with invalid number can not add card. I had about {$3300.00} in my cash app account and after the fraudulent transactions some of which was returned about {$1000.00} as a tactic to convince me it was legitimate and i would get all my money back once my debit card issue was corrected. He provided a fraudulent call back number that he used to call me back and text me fraudulently about cash app account status. Also {$8700.00} was withdrawn fraudulently from my XXXX  debit card on file with several fraudulently transactions. Currently I am disputing those charges as fraud with XXXX but they did not offer a chargeback until they investigated this fraud stating they dont do chargeback since its a third party app. In total i lost {$11000.00} ( {$2200.00} lost from cash app balance and {$8700.00} lost from XXXX  debit account. I submitted complaint to both cash app and XXXX bank. But cash app responded within a couple hours stating they can not reverse charges and only way is if I ask the recipient ( the fraudster ) for a refund. The representative asked me to transfer money to someone I had previously transferred money to on cash app so that he could correct the debit card issue but it was his tactic to just transfer more money to other accounts and bitcoin wallets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX  attached ).