23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I contacted CashApp about fraudulent transactions that happened to one of my accounts. I let them know that I never received the card for the account and that someone had racked up about {$300.00} or more charges on my account. One day later, i received a message from CashApp stating that it found no transactions that looked suspicious. I even selected every transaction that was not a transaction authorized by me and they still rejected my claim. This caused me significant injury and as a result i couldn't make payments on my credit cards causing them to be closed without any notice for non sufficient funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX MO ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been reporting the same account but under two different card numbers. At the same time theyre also reporting that I have an XXXX balance as well. Ive made all necessary payments to ensure that my score will reflect such, however since XXXX XXXX continues to be negligent and report false data that continues to suppress my credit score which has been absolutely detrimental to my credit worthiness and has cost me additional costs due to there practices. Its clear as day that the accounts are inaccurate and also the same account with multiple balances being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mobile hotspot with XXXX on XX/XX/2018. I was told to get service with them I would have to pay {$80.00}. I decided I didn't want to go with XXXX but now they send me mail everyday to my address I get this one same letter iny mailbox. Five letters at one time, its the same letter and same reference number. I am just starting to repair my credit and don't want these negative inquiries on my credit account report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, this has been an ongoing struggle to get the credit reporting agencies to correctly report my credit information correctly. Apparently, there is another person by the same or very similar name and very similar social security number as mine. Over the past 9 or 10 years, I have sent numerous requests to the credit reporting bureaus to get my information accurately reported ; however, every time I check my credit report ( s ), I am given inaccurate information. I finally quit checking for the benefit of my mental health, since it was causing me much stress and anxiety.
About a month ago, I checked into my report and once again, the negligence and incompetence of our credit reporting agencies was evident. This time it was after a dispute with Equiax. Upon the return of my investigation, I discovered the following inaccuracies : 1 ) I had 2 incorrect previous addresses reported ( both of which have been disputed in the past 10 years ).
2 ) My correct social security was listed at the top of my report ; but for some ignorant reason, they listed another INCORRECT LAST 4 DIGITS OF SOMEONE ELSES SOCIAL SECURITY NUMBER UNDER " OTHER ID ''. ( I have disputed the use of a similar social security number in connection with my report in the past 10 years with all 3 credit reporting agencies ... even warning them in the notes about NOT reporting or confusing me with another individual with a similar social security number.
I AM A BORN CITIZEN OF THE USA AND I HAVE ONLY BEEN ISSUED ONE SOCIAL SECURITY NUMBER IN MY LIFETIME!!! WHY CA N'T THE CREDIT REPORTING AGENCIES ACCURATELY MATCH EVERY NUMBER TO THE CORRECT FILE!!!
3 ) I=2 entries of inaccurate employment reported. Both current and previous employment are inaccurate. I have disputed this in the past as well, and finally, Transunion and Experian have entered the information for my employment accurately.
Question ... why do n't they consult with each other or at least with previous corrections!
4 ) Innacurate credit account information. I disputed this account but likely it was linked back to my account back to the second social security number that was added to my file under " Other ID ''.
Equifax and the other credit bureaus can not continue to put amother person 's credit files and information on my record just because they are looking for a scapegoat to pay for that other person 's bad debts. I have NOT moved in the past 26 years. It should n't be that difficult to report accurate information. I am a very humdrum citizen. I do not have any delinquent accounts and never have ... until they started mixing up my credit files with another person. If I had the money to spare, and I were n't an average minority, I would seek legal council to sue for compensation. I have spent far too many man hours and extinguished way too much undue stress to correct this issue of incompetence. As I said, this has been going on for the past almost 10 years. I have called and written letters to correct the inaccuracies ... but to no avail for it appeared again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, i entered into an agreement with Synchrony Bank/Care Credit account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript be obtained if needed. I have Verbal Authorization on my Care Credit acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told Care Credit to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation 3 times and they continue to send back notices that they investigated it with no real investigation done. this last time they sent me back a notice yesterday that they were unable to honor my recent request because I did not provide sufficient identification information for them to verify my identity, or the information that I provided was not legible. I had all of the information I sent to them NOTORIZED. AND SENT CERTIFIED MAIL and which all included a copy of my drivers license and a copy of my social securtiy card. they did not provide me proof of an investigation was done, nor did they do an investigation. they just keep sending back these letters with excuses as to why they will not do an investigation. they continue to give me the run around. 

ALL DOCUMENTS WERE SENT TO EXPERIAN CERTIFIED AND NOTORIZED
Product: Credit reporting or other personal consumer reports

I believe that as a consumer reporting agency the credit bureaus should respect our privacy rights because as is XXXX, XXXX and Transunion are credit bureaus and i am the consumer. i think i should have the right to make sure my private information is not being shared with any other third party or affiliates that i the consumer did not give my written consent and this is back by the law 15 USC 6801 which says " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer non public personal information. and the last time i checked i am the customer to the bureaus. these are the laws that back me 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 section 604 a section 2, 12 CFR section 1016.7, 15 USC1681 ( e ) ( b ) and the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting or other personal consumer reports

I do not recongize these lenders on these accounts nor were they authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A ( Section 2 ) States A consumer reporting agency can not furnish an account without written permission. 15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in 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 the information is inaccurate.
Product: Debt collection

XXXX violated FDCPA XXXX by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XXXX XXXX, XXXX and dismissed on XXXX XXXX, XXXX while the case was being held in XXXX XXXX GA as of XXXX XXXX, XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XXXX XXXX, XXXX. FDCPA XXXX -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XXXX XXXX XXXX, XXXX showing persistence and determination to continue violations of FDCPA XXXX. The unfair debt collection practices violating FDCPA XXXX to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XXXX XXXX, XXXX the bill of sale and affidavit from Wells Fargo to Defendant.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX XXXX at First Republic ( XXXX XXXX XXXXXXXX ) about First Republic 's Personal Line of Credit product. On both occasions, he told me the maximum credit line available to a prospective Personal Line of Credit borrower was {$350000.00}. 

Then yesterday he informed me that he was mistaken that the PLOC maximum was in fact {$100000.00} if the borrower did not intend to refinance debt which I told them I never intended to do. See correspondence below : Re : Personal Line of Credit at First Republic - quick follow up questions Inbox XXXX, XXXX XXXX Hi XXXX, I just checked in with Credit on this, being that this will be line for future utilization and not refinancing any existing debt the maximum loan request would be XXXX. I sincerely apologize for the confusion and take full responsibility for the miscommunication here. I know we have been talking about XXXX. 

As the regulator of First Republic, I would ask that you take 3 regulatory changes : 1. I would ask the CFPB to compel First Republic to more clearly communicate in their marketing diclosures and conversations with customers that their loan maximum is XXXX and only $ XXXX if they are refinancing debt. 

This is the relevant footnote from the current marketing document, " 2 Personal Line of Credit minimum is XXXX maximum is the lesser of XXXX or debt to be repaid at origination plus XXXX XXXX Line of credit can not be fully drawn at origination '' 2. First Republic told me this line of credit was unsecured. What they did not tell me was that this line of credit requires a borrower to provide a personal guarantee! Given the personal guarantee requirement, it is not in fact unsecured. The loan may be unsecured by collateral but is secured by a personal guarantee. That is at best highly misleading marketing and at worse just an outright falsehood. I would request that the XXXX require them to disclose that fact in their marketing footnotes. 

3. Nowhere in the Personal Line of Credit marketing footnotes do they disclose that borrowers who have a debt to income ratio of above 40 % will be rejected for the loan. I would request that the XXXX require them to disclose that fact in their marketing footnotes.
Product: Credit reporting or other personal consumer reports

I have been disputing this account for a most of XXXX. I am not sure why its on my account, but it is fraudulent. it was removed then added back to my credit report with another name on top but it's still the same creditor. This is unfair and unjust. i will attach my police and FTC report along with this complaint. 

XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XX/XX/XXXX ( XXXX yrs, XXXX mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to the credit reporting agency and let them know that XXXX XXXX XXXX account shouldn't be in credit report. I never gave them any written consent to report them.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against PNC Bank for engaging in unlawful debt collection practices, improper credit reporting, failure to honor arbitration, wrongful repossession, and mishandling of a negotiable instrument ( Bill of Exchange ). PNC Bank has failed to provide proper validation of debt, ignored my arbitration request, and has continued aggressive collection and repossession efforts despite active litigation. 

1. Failure to Process Bill of Exchange and Deceptive Banking Practices In XX/XX/XXXX, I issued a Bill of Exchange to PNC Bank as an alternative method of payment. 

On XX/XX/XXXX, PNC Bank responded with a boilerplate letter stating the Bill of Exchange was not a negotiable instrument under applicable law, but provided no legal substantiation for this claim. 

Despite my proof of claim and validation demands ( sent on XX/XX/XXXX and XX/XX/XXXX ), PNC failed to return the Bill of Exchange and continues to retain possession of it. 

This raises concerns of wrongful conversion and deceptive financial practices, as PNC Bank neither honored nor formally rejected the instrument with a proper legal explanation. 

2. Failure to Honor Arbitration On XX/XX/XXXX, I invoked my right to arbitration and filed a motion to compel arbitration in federal court. 

Despite this, PNC Bank has failed to acknowledge or honor my arbitration request and continues to pursue unlawful repossession actions. 

XXXX. Wrongful Repossession and Pending Vehicle Sale PNC illegally repossessed my vehicle twice ( XX/XX/XXXX and XX/XX/XXXX ) by entering secured property without consent. 

On XX/XX/XXXX, despite pending litigation and multiple court motions ( injunctive relief, replevin, TRO, and sanctions ), PNC Bank sent a Notice of Sale stating the car will be sold no later than XX/XX/XXXX. 

I hold a UCC-1 Security Lien on the vehicle, establishing superior interest, and PNC Bank is attempting to wrongfully take and sell my property without due process. 

4. Improper Credit Reporting & FDCPA Violations Despite my account being in dispute and under litigation, PNC Bank has : Closed my account without marking it as disputed. 

Reported missed and late payments, violating the Fair Credit Reporting Act ( FCRA ). 

Wrongfully reported a repossession, causing damage to my credit reputation. 

PNC Banks continued collection efforts despite the existence of the Bill of Exchange and arbitration motion constitute deceptive and unfair practices under CFPB and FDCPA regulations. 

XXXX. Failure to Validate Debt and Unlawful Collection Practices PNC continued issuing late payment notices ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) despite my requests for validation. 

Instead of validating the alleged debt, PNC continued aggressive collection actions and repossessed my vehicle while the matter was in dispute. 

This violates the Fair Debt Collection Practices Act ( FDCPA ) and raises concerns of unfair, deceptive, or abusive acts and practices ( UDAAPs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX XXXXXXXX Balance : {$49.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$3000.00}, XXXX  XXXX Balance : {$13000.00}
Product: Debt collection

The company is Conns. I have had a credit account with them since XXXX of XXXX. I have made my regular payments every month since that loan was established. This month, I was unable to make the full payment on my credit account and called them on the due date of XX/XX/XXXX and explained to them that I could make a partial payment, which I did of {$30.00}, which leaves me with a balance of {$74.00}. I explained to them on several occasions that I will pay the remaining balance due on XX/XX/XXXX or XXXX, and no later than the XXXX of next month. They began by asking me why I couldnt make the full payment, which is none of their business, especially with the fact that I have not had any past problems with the monthly payment. They refused to make further payment arrangements with me, and have been texting me multiple times. These people are intrusive, and harassing me at this point. As a good customer, I would expect a positive interaction with them, but not this. This is very upsetting to me emotionally. An additional note : each and every time I have made a payment over the phone, they also ask me what my source of income is, or who is my employer. That is none of their business either. They also threatened to report me to the credit agencies if I didnt make the full payment. They also said, Well you came into our store looking for an item and we provided that service to you, why cant you be responsible enough to pay your bill on time?
Product: Checking or savings account

Subject : Urgent Dispute Complaint Regarding Unauthorized Transfer of {$120.00} Dear PayPal Resolution Team, I am writing to formally dispute an unauthorized transaction of {$120.00} that was transferred from my account to one of XXXX XXXX XXXX 's accounts, which was unexpectedly closed. As a result, the funds were never received, and I believe they may have been stolen.

This situation has created a financial burden for me, and I kindly request your immediate attention to this matter. Given that the transfer was made without my consent, I ask that you credit my account for the full amount of {$120.00}. 

I appreciate your understanding and cooperation in resolving this issue swiftly. Thank you for your prompt response. 

Sincerely, Your Name : XXXX XXXX XXXX Your PayPal Account Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XXXX, this account was reported as 60 days late and is adversely affecting my credit score. I've asked them to correct this mistake and they refuse. This account was closed earlier and a check was made out to me. Impossible to be late.
Product: Credit reporting or other personal consumer reports

I have tried to resolve a MAJOR issue with XXXX  XXXX yet they refuse to help with the issue main issue is that I went from an XXXX credit score while I was in the middle of getting an SBA loan to save my business, they closed both my Credit cards out of nowhere while they were both paid on TIME every single month and many times paid in full right away as I was serious about building good credit, they continue to report wrong balance and wrong payment history on my credit reports with Experian and XXXX. I need the to remove all negative payment history from my credit report and update the balance. OR REMOVE ASAP FROM BOTH credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out-of-pocket costs and expenses, and loss of personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this XXXX XXXX as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me an attached letter that they do NOT, so how did you legally verify this?