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

Today, XX/XX/2022, I spoke with XXXX in Consumer Relations and XXXX XXXX of the Fraud Dept at Transunion regarding hard inquiries on my Transunion Report. I do not have credit from any of the three lenders ; XXXX XXXX ; XXXX and XXXX XXXX XXXX. 
The first person I encountered when I called was a woman named XXXX. When I told her my situation she initially refused to transfer me to the Fraud Dept and said it would take three days for someone to call me back. After demanding I speak with someone from the Fraud Dept she finally gave me a file number # XXXX and passed me through to Fraud. There my problems only increased as the next Rep, XXXX XXXX repeatedly said they could not investigate hard inquiries and that I must send a letter of authorization stating I wanted the inquiries deleted. I told him I've sent at least three letters and the items have not been deleted. I then informed him that according to the FCRA Transunion 623 - 15 U.S.C. 1681s-2 The Bureau, shall be required to investigate a dispute concerning the accuracy of the information contained in my report based on my direct request. However, he stated Transunion does not investigate disputes. He then went on to reiterate I must send a letter - which I already did, 3x - stating I wanted the items deleted.
Product: Payday loan, title loan, or personal loan

I applied for and received a title loan on XX/XX/XXXX from XXXX in XXXX, NH. I had to give them the title to my XXXX XXXX XXXX in order to receive the loan. I got {$800.00} loan at 200 % interest. We made the following 3 payments, {$280.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, and {$240.00} on XX/XX/XXXX. Unfortunately the transmission on my car died and I can't afford to fix it or buy a new car, which caused me to lose my job. My fiance, who consigned, was hit by a XXXX XXXX yesterday, causing serious injuries that will put him out of work for at least a month. I called XXXX today to explain my situation as well as give them the location of the vehicle so they can repossess it. I spoke to a woman named XXXX who told me they weren't going to pick up the vehicle and that I still needed to resume payments. I told them that due to unforeseen circumstances I'm unable to make the payments, which is why I called them prior to the next payment being due and that's why I'm telling them where to pick up the vehicle. XXXX told me that's " not their problem and the money is still due ''. She then said collection calls to me, my fiance, and our friends that we listed as references will continue to resume. I told her XXXX  is not to call our friends under any circumstances, and since they don't want to work with us they can stop collection calls to us. XXXX said " that's not up to you, collection calls will resume '' and she hung up. I immediately called back and spoke to a woman who said her name was XXXX. When I asked how to spell her name she asked me why and I told her it was because I wanted to know who I was speaking with she repeated her name and when I told her I needed the spelling she then said okay then my name is XXXX. I proceeded to explain our situation to her and she cut me off by telling me that all collection calls will resume to both me my fiance and all three references on the application. When I told her to cease and desist all communication with me my fiance and anybody listed on the application she told me I can't make that request and collection calls will resume and hung up. At this point I was outraged and called back again, except this time they picked up and hung up three times. They must have called ID. I tried one more time and XXXX answered the phone, so I told her I was recording the call. She said " that's fine, pay your bill '' and hung up. I've already paid {$780.00} of the {$800.00} principal balance. I had no idea I'd lose my job because my car died andi had no transportation, or that my fiance would get hit by a car and be forced to miss work as well. I really thought by calling them, prior to the next payment being due, and being honest instead of ignoring their calls like most people do would be received in the unprofessional manner it was. I worked in XXXX  for years and if I ever spoke to a consumer in the manner they did, or lie about my name especially I would've been fired and surely reported to the FTC or FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I've been investing with Robinhood and I recently sold my stocks so I could withdraw the earnings and put them towards a new car. I did this on XX/XX/XXXX. Now it is XX/XX/XXXX and they are still not letting me withdraw my money. They just tell me my account is restricted from withdrawals. This is insane. I've emailed them dozens of times, messaged them on XXXX, XXXX, etc. The funds have already settled, they just won't release the money. Please help stop this app, this is an incredible scam.
Product: Student loan

On XX/XX/2019, I made the decision to log on to my student loan to pay my loan off of just {$50.00}. I was unaware at the time that maybe I did something wrong, but the payment of {$50.00} said it would process through in the next 2-3 business days. Yesterday afternoon, I tried to make a purchase on XXXX, but my purchase was denied, which that has never happened until yesterday. I look into my bank account and saw that the loan agency, Great Lakes, has charged me with $ XXXX.I do not even have half close to that amount in personal checkings account. I talk with several different Great Lakes reps about my issue and they informed me that they could not do anything regarding my payment mishap. They told me to call my bank and see if they could reverse the payment on my account. I was able to talk with a few bankers at the bank and they told me to contact the loan agency, but I told the bankers that my loan agency referred me to them to speak with it was nothing they could do to reverse the payment. I was told by a banker that they would fix the issue, but my account is still resting at a - {$39000.00}. I have no way to pay for anything, use my card to make any purchases. I am lost and devastated at this point, because now I am penniless because of the mishap that occurred on XXXX. I thought my loan agency would take agency, but they failed to do so, now I am worried that I won't be able to pay any other bills I owe, which is not good for me. I need help with this issue immediately. Please help me.
Product: Mortgage

Carrington Mortgage Company has not been updating my balance or the status my loan correctly to all three credit bureaus. Every time I check each month the balance is thousands of dollars off and incorrect. Making my credit score low and my debt higher than it actually is. As of today my balance is {$440000.00} with a pending payment which will lower that balance. On my credit reports it says my balance is {$450000.00}.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report an incorrect address listed on my credit report. The address in question does not belong to me and is inaccurately linked to my credit profile. This error could potentially impact my creditworthiness and cause inconvenience when applying for credit or other financial services. I kindly request the CFPB 's assistance in investigating and resolving this issue promptly. I have attached supporting documents, such as proof of my current address, to help facilitate the correction process. Please let me know if any additional information is required. Thank you for your attention to this matter. Addresses are listed below. 
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
Product: Money transfer, virtual currency, or money service

I am filling out A complaint against cash app ( Block, inc. ) due to inadequate customer, service and unfair practices, which violate the consumer, financial protection act ( CFPA ). Specifically, Cash have failed to take timely and effective measures to prevent an address fraud on their platform that form 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 and regulation E. These actions have caused significant inconvenience in financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I went to make a deposit with Bank of America on XX/XX/XXXX. I initially wanted to deposit 11 - {$100.00} bills, 40 - {$20.00} bills, 1 - {$10.00} bill and a {$300.00} check. When I reached the counter I remembered that I had an additional {$200.00} that I wanted to add to the {$2200.00} that I had already written on the slip. I handed the two {$100.00} bills to the teller without realizing in the moment that I needed to adjust the amount I had written on the slip. The teller didnt adjust the total amount either.

The following Tuesday, XX/XX/XXXX, I made a call to Bank of America customer service. I was told that they would open a claim and that I would be contacted within five days with a solution.

I didnt receive a call, so on XX/XX/XXXX I had my daughter call them as my English is limited. Through her conversation I learned that there in fact was no claim that was filed and I needed to go into the branch to resolve this issue. 

On XX/XX/XXXX I went into the same branch with my daughter and spoke with the branch manager. She checked the tellers and the banks records that day and said that there was nothing off about their records for that day and that theres nothing that they can further do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violanted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602. A. Stated i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any on the following items of information Any other adveerse item of information, other than record of convitions of crime 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: Debt collection

I asked TD bank usa that Unauthorized charges appear on that account billing statement. therefore that is an inaccurate incomplete balance being reported. I am not legally responsible for that amount that is being reported to the consumer reporting agencies. The Fair Credit Billing Act affords me that right, which TD Bank Usa N.A. has committed a major violation. as well as the violation of the Fair Credit Reporting act section 623
Product: Debt collection

XXXX XXXX XXXX Patron Place Apt XXXX XXXX, SC XXXX XXXX XXXX Re : Request for Correction of Late Payment Entry ( 15 USC 1666b - Fair Credit Billing Act ) Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report, which I believe to be in error. The entry in question relates to a late payment reported by XXXX, XXXX, and XXXX, listed on my credit report as of XX/XX/year>. I respectfully request that this entry be investigated and corrected in accordance with the Fair Credit Billing Act, specifically 15 USC 1666b, which governs billing errors and the correction of disputed items.

The details of the disputed account are as follows : Creditor Name : Navy Federal Credit Union Account Number : XXXX and XXXX Date of Late Payment Reported : XX/XX/year> Under the Fair Credit Billing Act, creditors are required to notify the consumer of any billing errors and provide a reasonable time to dispute the error. I believe that the payments were not late therefore, it should not have resulted in charge offs on my credit report. 

Please investigate this matter and, if appropriate, update my credit report to reflect the accurate payment history. I am requesting that this late payment be removed from my credit report if found to be inaccurate. 

In accordance with the Fair Credit Reporting Act, I expect a response within 30 days. If further documentation or clarification is needed to support my claim, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

. I entered the bank Saturday morning XXXX XXXX, 2015 to cash a check from my employer. I was informed I would not be able to cash my check because the amount of funds in the account was not enough to cover the check but I could deposit it. I said this does n't make any sense I am a member here and I need to pay to have my tires fixed next door. He ( XXXX ) told me there was nothing he could do so I asked why have n't I received my debit card and he looked into my account and said it had been mailed two days prior. I asked if and when I get my card will I have trouble with accessing my funds once my employer begins to submit direct deposits, he said no. I requested to withdraw the funds I had in the account and asked if there was a bank close with the logo on my check. He told me where it was located, the teller gave me my funds and I left. My debit card arrived in the mail on XXXX/XXXX/2015, it would not activate. I called the customer service line, I went to a branch and was informed a replacement card was ordered. I did not authorize a replacement card nor did I ever ask for XXXX. I called into the branch requesting the name of the person who helped me on Saturday and XXXX answered the phone, after describing my situation he informed me he was the one who helped and said we discussed a replacement card and hung up in my face but we did not and the other teller that was standing there should be aware of that as well. I believe XXXX put in the fake request for a debit card as a retaliation of me having an attitude about not being able to cash my check and withdrawing the funds that day. I did not authorize the transaction and it put me in a bind of being able to pay my bills because electronic check is not accepted.
Product: Vehicle loan or lease

I financed a car in XXXX with Chrysler Capital in order to take advantage of a promotion. I made XXXX payments before getting a new loan as told to do so my the car salesman. I refinanced my loan with XXXX. The application was approved on XX/XX/XXXX. The check was received on XX/XX/XXXX, at Chryslers correct address according to XXXX. I received a bill from Chrysler Capital dated XX/XX/XXXX. In the account activity, it says the vehicle was paid off on XX/XX/XXXX, and the payment was reversed on XX/XX/XXXX. Meanwhile, I, the consumer, am receiving bills from two banks ( Chrysler and XXXX ) for the same vehicle. I have communicated with both banks three separate times now with no effect. This experience has been very frustrating for me the consumer. I am the one whos name and credit are the online. I would like for the two institutions to communicate with each other and resolve this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as an authorized user to a credit card without my consent. The card holder is my father, and he has my social security number. We are no longer in contact and I do not know how to reach him as we are estranged. I continue to receive negative ratings on my credit report due to his high balances and late payments. This is affecting my credit rating. I contacted the Citibank customer service sometime last year and they stated that they were unable to remove me as an authorized user, and that I had to contact the cardholder to do so. 
The credit card is reported on my credit report as, " CITIBANK CBNA/XXXX  '' and the source is reported as, " XXXX. '' The address of the card company is reported as, " XXXX XXXX XXXX, XXXX XXXX, SD XXXX. '' Any help with this matter is much appreciated!
Product: Credit reporting or other personal consumer reports

There is an inquiry that I don't recognize on my report and I extremely disappointed. I have never permitted this, and this company have just decided to pull them up without my authorization. I have reached out to Equifax about this information and I have not heard from them since.
Product: Bank account or service

I 'm handling the estate account for my deceased domestic partner. I went to Bank of America on XXXX XXXX, 2016 to withdraw the funds from his account to transfer into the estate account. The helpful and friendly employee helped me submit my initial request and I was told I 'd hear something from them in 7-10 business days. I heard nothing from BofA in the following month. I went back on XXXX XXXX, to see what was going on. BofA generated a letter on that date, which was in the account computer files, accessed by an employee at the branch. I never received that letter from BofA by mail. The same employee helped me submit the rest of the paperwork that was now required. We sent the notarized documents via fax to the appropriate department and I was told I would receive a check in 7-10 business days. I heard nothing from them in the next 5 weeks. I went back today, XXXX XXXX. I worked with the same employee from the second visit. She said that the department was supposed to contact the XXXX XXXX 's Court with a question, but they had failed to do that in the five weeks between visits. She was appalled, helpful and very apologetic. I do not understand why it has taken 3 visits and more than 2.5 months to get this resolved.
Product: Checking or savings account

On XX/XX/year>, I opened a Tradestation new account, submitted/applied the code for a {$150.00} account bonus, and I deposited {$500.00} in my Tradestation Equities Account and their requirement for my {$150.00} bonus. My money has been deposited since XX/XX/year> and the bank has failed and refused to pay my bonus of {$150.00}. They are engaging in bait and switch tactics to entice new customers to open new accounts and not pay the bonuses that are earned. Tradestation has been impossible to deal with and they refuse to honor the promotion.
Product: Credit reporting or other personal consumer reports

Capital One reported lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed
Product: Credit card

XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX 1999 and have not removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax is still reporting an account on my credit file my XXXX XXXX XXXX. If XXXX and Equifax review the response from XXXX XXXX XXXX from Consumer Financial protection bureau web portal report number XXXX. Response was submitted by XXXX XXXX XXXX on XX/XX/2022 which states they dont own the account and according to the Fair Credit Report Act if you dont own the account you can not report any accounts the someones credit file. XXXX XXXX XXXX has not right to report this account. This is a serious and fraudulent account that you all are allowing XXXX XXXX XXXX to report. I have attached a copy of their response which states they are trying to collect on the behalf of someone else. Again XXXX XXXX XXXX does not own this account and legally they can not report it. So at this point Equifax and XXXX is liable as well.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone attempted to receive a loan using my information through Sallie Mae. Hard inquiry is not by me and should be removed from my credit report.
Product: Debt collection

they have the wrong date and no account number for me to research date should be XXXX  XXXX XXXX and i need a account number to go thru my records XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Original Amount {$270.00} Original Creditor XXXX XXXX ( XXXX )
Product: Debt collection

I don't recall having a contractual relationship with this collection company SUNRISECRED. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Mortgage

I APPLIED FOR A LOAN MODIFICATION FROM MY PRIMARY LENDER, XXXX XXXX XXXX. THE LOAN MODIFICATION WAS ACTUALLY APPROVED BY THE BANK AS CONFIRMED BY SPECIAL LOAN SERVICING ( SLS ). THE APPROVAL LETTER WAS NEVER MAILED TO ME BEFORE IT WAS TRANSFERED TO SLS. AS THE NEW SERVICING COMPANY, THE ISSUE OF MODIFICATION RESURFACED AGAIN WITH SLS OF WHICH ALL MY SUBSEQUENT MODIFICATION APPLICATIONS WERE DENIED BY SLS ON THE GROUND THAT I VIOLATED THE PREVIOUS MODIFICATION WITH XXXX XXXX XXXX, THE APPROVAL LETTER OF WHICH I NEVER RECEIVED. IF I WAS ACTUALLY NOTIFIED BY XXXX XXXX XXXX BEFORE MY LOAN WAS TRANSFERED TO SLS, I WOULD NOT HAVE BEEN IN THIS PREDICAMENT BECAUSE I WOULD HAVE COMPLIED WITH THE TERMS OF THE APPROVAL. FAILURE TO NOTIFY ME WAS PREJUDICIAL TO MY CAUSE. THIS IS MY PRIMARY HOUSE AND I AM A SINGLE PARENT OF XXXX ( XXXX ) CHILDREN AND IT MY WISH TO KEEP MY HOUSE. MY FOR FURTHER RESPONSE, EMAIL ADDRESS IS : XXXXXXXXXXXX