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

After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with XXXX XXXX XXXX. After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that XXXX XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. This letter is admittance to inaccurate information being furnished to XXXX, Transunion and XXXX for multiple years. ( Letter is Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that there is an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5800.00}
Product: Payday loan, title loan, or personal loan

I applied for and was approved for a payday loan with 3 lenders over the last 7 months trying to pay each one off only getting myself further into debt. I have paid the principal amount back plus some interest but the payments do not stop and I am financially unable to keep up. I was not aware these high interest loans were illegal in Pa.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX I contracted XXXX to dispute error on my credit report upon finding out about the Data Breech of my information as stated : Letter for Collections Attention : Credit reporting agencies, 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 XXXXXX/XX/XXXX To whom it may concern, This item was purchased by a third party debt collector XXXX XXXX  # XXXX closed XX/XX/XXXX, Debt Buyer XXXX XXXX XXXX XXXX XXXX Ive requested a XXXX, Debt Validation Letter with contract Signature for these accounts.This account must be deleted as the status is not correct, the amount is not correct and the account was Paid for less than owed by the Third Party Debt Collector. 

As you can see by my attached credit reports and highlighted issues. This information is Not Correct & Not Accurate. Therefore it must be deleted Immediately. Here is the account XXXX XXXX / XXXX opened XX/XX/XXXX current status Closed Collection Account for reference with the incorrect amount of XXXX XXXX also. 

How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation the FCRA as this is not accurate or complete. Delete This Immediately! Ive already submitted a complaint with Federal Trade Commission ( FTC ) # XXXX as data breech leaked my personal information. 

Thank You XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Company reporting income on my consumer report and committing tax fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

False reporting XXXX credit report
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX / XXXX Date Opened XX/XX/XXXX {$84.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX VIA XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX .... Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$130.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts appearing on my credit report due to identity theft stemming from the XXXX data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : 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 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/XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the XXXX data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Transunion to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Transunion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC
Product: Checking or savings account

I have a XXXX XXXX account with the firm robinhood and XXXX XXXX  is the partner bank that issues my debit card and my account has a XXXX XXXX  routing number so Im assuming thats who has my money as well ok so on XX/XX/XXXX i deposited {$35000.00} into this account and from the moment they received my money they have denied me access to my funds in any way possible my debit card never worked I couldnt transfer it back out to any of my other accounts or pay bills with my account and routing number or send out checks none of the features they advertised I contacted the company numerous times they have no live help so I can only email and wait for their reply which they would sometimes ignore me for weeks at a time during this nightmare they would ask me documents which I provided numbers of times to numerous support agents and their upload portal as well and they would ignore me again then write back in a week asking for the same documents then finally yesterday I was told they would be deactivating my account and discontinuing their relationship with me great best news in a while only when I asked about getting my money back I was met with a very vague you will not be able to withdraw any funds reply I asked again surely they can not keep my money from me but thats exactly what theyre doing is that keeping my money from me this entire time and now nobody will answer me as to how and when I get my money back from robinhood or XXXX XXXX  nobody its a joke this is almost {$35000.00} were talking about here and its really killing me not having any access to my funds for this long and I dont know what to do please help me all I want is my money back and to be done with this nightmare
Product: Credit card

On XX/XX/XXXX I was trying to hook up my new XXXX printer and was unsuccessful. I scanned a QR code provided by XXXX and called a number for XXXX Support. A man by the name of XXXX XXXX came on and took control of my laptop, showing me I had viruses. They charged me {$190.00} to clean up the viruses and told me I needed to their software to protect my laptop, other devices and their software would stop all viruses at the point of entry at the modem. I felt pressured to make this purchase but made a lifetime purchase. They temporarily got my printer working but it never stayed working. About a month later they called me and said I needed to upgrade my purchase because my modem was getting hacked by foreigners. They wanted over {$3000.00} more, when the original purchase was supposed to cover the modem. This is when I knew they were scamming me. Their company name is XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX is the only address I can find when searching for this company. 

I reported this to my credit card company, Elan Financial Services through XXXX Bank. Initially they reimbursed the charge of {$1200.00} on XX/XX/XXXX. After their investigation, they reversed that reimbursement saying that I willingly put in my credit card number for the purchase and received the services represented by the transaction. This is not true. I did not receive the services XXXX told me I had purchased. There would not have been a need to purchase further protection, if they had in fact provided the services they promised. 

I have twice requested the investigation information from Elan Financial Services that was used in their investigation and both times they said they would send it. I still have not received the information.
Product: Credit reporting or other personal consumer reports

This is in reference to Account XXXX XXXX XXXX XXXX  ) Dear TransUnion, I am writing to dispute the accuracy of account XXXX XXXXXXXX on my credit report. Following the completion of your most recent reinvestigation, I am requesting The Method Of Validation used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : 1. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished.

2. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt.

3. The business name and address of the furnisher of this information.

If TransUnion is not able to provide the requested information above upon 15 days of their receipt of this dispute, I am requesting that this account be immediately deleted from my credit report. 
I demand that you refrain from using any stall tactics in response to this letter. You are required to respond within 15 days of your receipt of this dispute, I look forward to your response.
Product: Credit reporting or other personal consumer reports

XXXX is reporting the wrong names, addresses, and account information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong addresses Wrong account information- account that are over 10yrs old and closed, reporting late payment on closed account, reporting late payments on account in deferment.
Product: Checking or savings account

I received an offer on Citi 's website and via email to receive {$400.00} if I open an account with {$15000.00} in initial funding ( with many restrictions in fine print ). 

I opened and funded the account on XX/XX/XXXX by clicking on the offer and providing the information needed to open an account. 

I followed up with customer service on XX/XX/XXXX to verify that I was meeting the terms of the promotion. I was told that I was meeting the terms of the promotion and that I could expect to have my account credited after I kept the funds in the account for 60 days. 

I followed up with customer service to ensure that I was correctly meeting the terms of the offer on XX/XX/XXXX and inquire about the promotion. The representative told me that I was meeting the terms and that I could expect to see a {$400.00} credit on XX/XX/XXXX. 

I followed up again on XX/XX/XXXX to inquire about the offer. I was told that I would receive the {$400.00} credit on XX/XX/XXXX. 

I followed up again on XX/XX/XXXX to inquire about the offer. I was told that a case would be open to investigate my issue. I received a communication on XX/XX/XXXX saying that their investigation was complete and that they were not aware of any promotion offered in conjugation with the opening of my account.
Product: Money transfer, virtual currency, or money service

I initiated a transfer of XXXX to XXXX ( XXXX with fees charged to my credit card ) with Western Union. Transfer number XXXX. The transaction was put on hold by the Compliance Department at Western Union and they sent an email asking for a copy of a valid government ID and other personally Identifier information. I refused to provide this information becase western Union did not provide a secure way to send them this information. I think it is irresponsible from Western Union to ask for sensitive information via email, without an encrypted channel to protect that information. For that reason, I requested the transaction to be cancelled, but they are saying that they will only cancel it if I send them the documentation they have requested. Bottom line, Western Union is negligent and irresponsible, and their procedures do not make sense. They are risking their clients data by asking for sensitive information and not providing a secure channel to send that information. It seems that the information security department at Western Union is non existent or completely incompetent. I need my money to be refunded to my account without having to expose my information
Product: Credit card or prepaid card

In XXXX I made a purchase of shoes ( sandals ) via the internet. They are expensive, cost around {$100.00} but great for people with bad backs and knees, they have extra cushion. What I received were cheap plastic sandals. I tried over weeks to resolve the matter with the merchant. The merchant wants me to make an additional purchase for which they will give me a discount. First I can't afford to make another purchase and second I don't trust them. The merchant has tried everything to stop me from returning the merchandise. I paid to have it shipped to me they should pay to take it back. Every time I make a better offer to them to return they add more difficulty including saying that they would not be able to resell the item. I finally filed a dispute. My dispute was declined because I was still in possession of the item. I provided ample evidence that I tried to work with the merchant. The merchant even shut down the web link to my purchase and their website to which I also provided evident to the credit card company.
Product: Checking or savings account

Nearly three weeks ago, I deposited a XXXX check into my PNC account. The account was then immediately restricted. Initially, I was told it was until the check cleared. A week later, after it cleared, the restriction was still in place. They then told me theyre reviewing the account history and the only access I would have to the funds would be to go into a branch, have a banker call them to lift the restriction temporarily, withdraw some funds, then theyd put the restriction back on pending their review. 

On Monday, XX/XX/XXXX, I went into the branch to withdraw the funds I would need for the week. I was told the account was closed XXXX minutes prior and that I was mailed out a check. I asked PNC bank to stop payment on the supposed check they mailed to me ( when the account was closed less than an hour before ), allow me to withdraw the funds or at least what I need for the week, and they refused. 

This has caused a nightmare for me, both professionally and personally. First, all of my credit card and loan payments were returned causing me to incur returned payment fees and late fees with creditors while also putting those accounts in restricted status. Second, because I work in sales and Im required to buy lunches or dinners for potential clients, having no access to my funds, and being unable to use my other credit cards, I am unable to perform my job, which is now in jeopardy. So I am looking to go after them as this has been ongoing for XXXX weeks and is now jeopardizing my career. They also did not warn me that the account would be closed and allow me an opportunity to withdraw some, if not all, funds.
Product: Credit reporting or other personal consumer reports

See attachements. 

In XX/XX/year>, I became aware that an account with XXXX XXXX XXXX  ( Account # XXXX ) was being reported as a " Collection/Chargeoff '' on my credit reports with TransUnion,. This reporting is inaccurate and unlawful because the creditor, XXXX XXXX XXXX, issued a Form 1099-C, Cancellation of Debt, for this account. 

Key Facts and Timeline : Issuance of Form XXXX : In XX/XX/year>, I received a Form 1099-C from XXXX XXXX XXXX, confirming that the debt associated with this account had been canceled. Under the Internal Revenue Code ( IRC ), the issuance of a 1099-C signifies that the debt has been forgiven and the creditor no longer has the legal right to collect or report it as an active debt.

Inaccurate Credit Reporting : Despite the cancellation of the debt, the account continues to be reported as a " Collection/Chargeoff '' on my credit reports. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate, complete, and verifiable. 

Actions Taken : I contacted XXXX XXXX XXXX to dispute the inaccurate reporting and requested that they update the credit bureaus to reflect the cancellation of the debt. 
I filed a formal dispute with TransUnion,, providing a copy of the Form 1099-C as evidence.

To date, the account remains on my credit report as a derogatory item, causing significant harm to my credit profile and ability to obtain financing.

Legal Basis for Dispute : The continued reporting of this account as a " Collection/Chargeoff '' violates the following laws : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c ( a ) ( 5 ) : Requires that canceled debts not be reported as active or derogatory.

15 U.S.C. 1681i : Requires credit bureaus to investigate and correct inaccurate information.

Internal Revenue Code ( IRC ) : The issuance of a Form 1099-C confirms that the debt has been canceled, and the creditor no longer has the legal right to collect or report it. 

Request for Resolution : I am requesting that the CFPB assist in resolving this matter by : Ensuring that XXXX XXXX XXXX updates the credit bureaus to reflect the cancellation of the debt and removes the account from my credit report. 

Requiring TransUnion to delete the account from my credit report, as it is being reported inaccurately and unlawfully. 

Supporting Evidence : I have attached a copy of the Form 1099-C and my credit report highlighting the disputed account for your reference. 

Thank you for your assistance in resolving this matter. Please let me know if additional information is required.
Product: Student loan

The amount of money they wanted for a monthly payment was way too high for me to achieve. They made the process of lowering the payments almost impossible and took several months, every time I spoke to a person they had different answers and explanations. I was told the payments got lowered to XXXX dollars a month but when I received my first bill it was for XXXX+. Now I can not reach anyone at the company or get any answers. This is just an example of the headaches this company has given me. I am trying my hardest to stay above the waters and do what 's right with paying back my loans and the company is making it impossible for this to be smooth.
Product: Debt collection

XX/XX/XXXX Amount {$3800.00} Phone call about the debt on XXXX XXXX Send a letter to my address the date the the letter was XXXX XXXX Debt collection company : Central Portfolio Control , Inc. 

Original creditor : XXXX XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX, XXXX  I graduated from this college in XX/XX/XXXX. The school had a very strict policy that each student must clear all the expenses before they could graduate and get an official transcript. Also each student must have a meeting with a person from financial department to go over the tuition and student loans, if it had been taken out. 

More over the company that managed the school XXXX XXXX XXXX XXXX XXXX, abruptly shutdown due to its financial situation, causing a lot of people to lose their jobs. 

Therefore, there is no way that I owe this debt as they claimed.