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

I request these fraudulent inquiries be deleted/removed from my Transunion credit report immediately. 

XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are fraudulent inquiries that I did not authorize appearing on my Transunion credit report that I request be removed immediately. I filed a police report, and provided the police report and identity information to Transunion. Please delete these inquiries. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! A police report was filed. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX , XXXX XXXX  XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute the erroneous information being reported by my creditors. The errors on my credit reports have had a significant negative impact on my life. Specifically, I believe that several violations have occurred, including those under the Fair Credit Reporting Act ( FCRA ). 

First, I would like to bring to your attention the fact that TransUnion and XXXX are listing account number XXXXXXXX XXXX as a mortgage account instead of a real estate account. This is a clear violation of the FCRA. 

Additionally, I have noticed that XXXX and XXXX are not reporting the monthly payment as {$0.00}, as reported by TransUnion. Furthermore, XXXX is not reporting the balance of {$0.00}, as reported by TransUnion and XXXX. This is another violation of the FCRA. 

Moreover, TransUnion or XXXX is reporting that sowing is due every month, but actual seeding is unreported. TransUnion has set a credit ceiling of {$0.00}, but XXXX and XXXX have made no reports, which is yet another violation of the FCRA. 

Furthermore, TransUnion is reporting that the account was 120 days past due, but XXXX is reporting that it was Account moved to another location or reported to XXXX at least four installments or 120 days past due. This discrepancy is a violation of the FCRA. 

In addition, XXXX and XXXX are not receiving reports of remarks that were transferred to TransUnion or another lender, which is another violation of the FCRA. The misuse of e-OCAR and the wrong Metro2 format are also violations of the FCRA. 

Lastly, between XX/XX/2022, and XX/XX/2022, a remark code for a charged-off account was added to the account. This is a violation of the FCRA. 

These violations have had a significant impact on my life. I have been denied credit because of these inaccurate reports, and my ability to secure housing and employment has been hindered. It has caused me a great deal of emotional distress and has affected my quality of life. 

I respectfully request that you enforce the legal rights that I am entitled to under the FCRA and have the creditors remove these unverified collection accounts from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Nelnet recently reported my student loan account as 90 days late to XXXX, and other two bureaus. However, I was never properly notified about the delinquency. All Nelnet communication went to my spam folder, and I was unaware of the missed payments until I reviewed my credit report. 

As soon as I realized the situation, I immediately paid my account in full to bring it current. I contacted Nelnet directly to request a XXXX XXXX, but I was told they are unable to remove the late mark. 

Given my history of responsible payments and the fact that I was never properly notified, I am requesting that the 90-day late payment be removed from my credit report. I kindly ask CFPB to investigate this matter, as this reporting has drastically affected my credit score and does not reflect my overall creditworthiness. 

Thank you for your time and assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

I want all money that wasnt returned They took {$500.00} from me and said they couldnt give it back to me
Product: Money transfer, virtual currency, or money service

am filing 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 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 loss, and I seek appropriate redress of these violations
Product: Credit card

On XX/XX/XXXX, two men came to my door claiming to represent a charity asking for donations for magazine subscriptions to help poor and underprivileged children. I agreed to make a donation of {$54.00}, and used my Best Buy Citi Visa Credit Card. I was emailed a receipt for {$54.00} ( see XXXX  XXXX ). 

A few days later, I noticed the charge of {$2200.00} in my account which I did not authorize. The charge was the same day as the {$54.00} charge, which strangely did not appear on my statement, and I did not use this card anywhere else. Thinking this must be an accidental overcharge, I instigated a dispute online with Best Buy Credit Services ( BBCS ) where I uploaded my receipt showing {$54.00}. The receipt for {$54.00} had no contact information of the charity or merchant to first try to resolve with. 

On XX/XX/XXXX, I received a letter from BBCS crediting my account and stating, We now consider this matter resolved and have completed our investigation. ( See XXXX  XXXX ). 

However, on XX/XX/XXXX, I received another letter from BBCS saying I was responsible ( XXXX  XXXX ), and the documentation provided by BBCS was a receipt from a merchant located in Texas for {$2200.00} ( XXXX  XXXX. ) This receipt is completely different from the one I was provided for {$54.00}. A quick XXXX search of the address the receipt showed the address on the receipt as an apartment building, and not a seemingly legitimate business or charity. I attempted to call and email this merchant. Most went unanswered, but I did get a one sentence replay saying " We apologize for this '' with no indication that they are going to reverse the charge ( XXXX  XXXX. ) To date, they have not reversed the charge. 

I replied to BBCSs XX/XX/XXXX letter in writing via certified mail, trying to explain the situation and stating that I did not authorize this charge, and it is clear that this is a case of fraud. I made the additional step of filing a police report with my local police department. The case number is XXXX ( IL ) XXXX XXXX # XXXX. My letter was sent to BBCS on XX/XX/XXXX ( XXXX  XXXX ). 

BBCS replied on XX/XX/XXXXXXXX  saying I need to resolve this this the merchant, because they are unable to recover the funds ( XXXX  XXXX. ) On XX/XX/XXXX, I've sent another letter to BBCS ( XXXX  XXXX ) trying to explain that I did attempt to contact the merchant, but my call and emails are basically being ignored. I also requested again, as I did in the previous letter, that the {$2200.00} should be credited to my account as this clearly is a case of fraud and should be covered by Citi Visas fraud protection policy. This is also when I filed the complaint with the CFPB and hope you can assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an inaccurate report to Experian. After 30 days, I did not hear from the company. Therefore, I filed a CFPB complaint a few days ago. In an attempt to immediately respond, Experian did not fix the account. Instead, they published incomplete results and started a new dispute. What they did was illegal and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed a bankruptcy with experian credit bureau and for the months of  XXXX  and  XXXX   2017  they never disputed my complaint. I have sent them a certified letter which was signed for on  XXXX   XXXX ,2017. I also contacted the clerk of court in  XXXX   XXXX  and told me this belonged to a   XXXX    XXXX  whom i do not know. They are listing inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud. My report has incorrect addresses and accounts that do not belong to me.
Product: Debt collection

First point collection XXXX

15 U.S. Code 1692c
15 U.S. Code 1692g
15 U.S. Code 1681 e(b)
Product: Vehicle loan or lease

The original company that financed my vehicle is now bankrupt now I dont know where to pay my car note.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was pulled multiple times by my previous loan officer- XXXX XXXX without my consent. I initially gave consent the first time she pulled my report. After that, she continuously pulled my report without notifying me or asking if she could. When I discovered she had done this around 10 times, I confronted her. She said she would ask for the credit pulls to be revoked. That was in XX/XX/2020. It has been 4 months and none of the credit pulls that followed the first pull have been removed from my report. This is a gross misuse of my personal information and credit report! I should not have to be worried about my own lender sabotaging my credit. 
Furthermore, I would like to report immoral business practices. I was originally contacted by XXXX, she said she was with my companys retention department and that I qualified for a lower interest rate. She did not disclose that I would have to PAY to qualify for a lower rate! Instead she waited until it was time to sign papers and I saw an exorbitant amount of fees being charged for points. When I approached her about this, she verbally abused and manipulated me saying how hard she had worked on my loan and that she isnt an hourly employee, etc etc. not only did she wait until this time to disclose this, it is my opinion that she also had me pay for my appraisal out of pocket in order to make me feel financially obligated to carry through this refi, as I was never given paperwork before the appraisal to go over the fees and costs to get the loan. 
Overall I was partially scammed ( {$750.00} for the appraisal ) and my credit report was also misused. 
Now, I have my loan in deferment and can not access my account. Their mobile app has not worked in weeks and their website just had me set up a secondary authentication with my phone number. When trying to log in after this, I would initiate the authentication text but it never comes to my phone! I am now locked out of my account. 
I was given paperwork with an email for the deferment department. I have tried to email it several times and it comes back that the server rejected the email or that the address can not be found! 
It does not seem like this company cares about its people and it does not seem like they are set up to actually help customers while in deferment!
Product: Debt collection

Keep getting repeat emails from Resurgent. I have no idea what the debt/collection is about, it's not mine. Called them on XX/XX/2024 and got nowhere. They want personal information that i won't give out over the phone.
Product: Student loan

I have been a XXXX  for over four years now. As a XXXX, I qualify for the PSLF program. I have been making payments since 2014 on my student loan. Recently I found out that I was put into the wrong program for qualifying payments. After paying back about {$14000.00} dollars in student loans, It shows that I have only had 6 qualifying payments. SIX!! I did the math and based on my current monthly payments, it calculates to about 70 qualifying payments. I tried to call the phone number and they said that I wasn't in the correct repayment plan. They knew I was a XXXX and they placed me in the wrong program. I tried calling the Department of Education ; still no help. It's a shame that this company is the only option for PSLF because based off of all the negative reviews and complaints, they are taking  advantage of XXXX like myself and others. For a company to prey on the people that work in the public sector is a shame.
Product: Money transfer, virtual currency, or money service

I was approached on XXXX by a name claiming he was romantically interested in me and also wanted to teach me how to trade cryptocurrency. He was very persistent, forceful and manipulative. He pushed me to wire transfer large portions of my savings to coinbase where he then instructed me to send those funds to an address where I could then use my investment to trade on a fake version of XXXX called XXXX. He even showed me how I could transfer my funds back to coinbase to assure me that the process was safe and legitimate. I have screenshots of many of these and his XXXX is still in use. The handle is @ XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME A AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED FOR THIS DISPUTE!
Product: Checking or savings account

My direct deposit was deposited to my checking account by the company i work for on XX/XX/year> in the amount of XXXX. I reached out to the bank ( Capital One ) for 3 days and all they can say is that they are experiencing a outage and cant give me no other information or when it will be fixed.
Product: Debt collection

XX/XX/2022 Sunrise Credit Services contacted me regarding an alleged debt of {$390.00}. When informed that I am not aware of and do not believe I owe this debt, Sunrise directed me to their online portal and told me that I had " verified '' the debt on a recorded line. This is untrue. They also told me that they had sent me a letter that I had not received. I informed them of this and asked that they resend that letter and email it if they are willing. They informed me that they are not required to do that and, in the meantime, unless I pay it, they will report it to my credit to damage it. In addition, when I told them my name, they did not believe me and even hung up on me so that I had to call back to understand why they contacted me. If I had not called back, I would not have been aware of this alleged debt in the first place.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions are settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Someone used my social security number to open 2 accounts at TD bank. I did not open these accounts.
Product: Mortgage

Please note We have EXTENSIVE MORTGAGE FRAUD AND IDENTITY THEFT. Real Property XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was stolen from us on yesterday THROUGH XXXX XXXX SUPERIOR COURT. The MAGISTRATE JUDGE XXXX XXXX XXXX was the PRESIDING JUDGE IN THE SUPERIOR COURT who ruled for ALL DEFENDANTS INCLUDING STRAWBUYERS WHO FRAUDULUENTLY PURCHASED THE HOME THROUGH ALDRIDGE PITE LLP. The names of the STRAWBUYERS ARE XXXX XXXX AND XXXX XXXX. 
THE MAGISTRATE JUDGE PRESIDED OVER BOTH CIVIL ACTIONS ON THE SAME DAY AND TIME XX/XX/XXXX AT XXXX. THE JUDGE COMMMITTED FRAUD AND APPEARED TO HAVE BEEN PAID OFF BY XXXXXXXX XXXX  TO ENSURE THE REFERNCE PROPERTY WAS BACK INTO THEIR POSSESSION. IRONICALLY, THE SUPERIOR COURT JUDGE WHICH OUR CASE IS ASSIGNED TO IS XXXX XXXX. CASE NUMBER XXXX AND CASE NUMBER XXXX WITHIN THE SUPERIOR COURT OF XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
ENTITIES AND INDIVIDUALS INVOLVED : XXXX XXXX XXXX, MAGISTRATE JUDGE OF XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX REPRESENTED BY XXXX XXXX AND XXXX XXXX XXXXXXXX XXXX REPRESENTED BY XXXX XXXX WITH XXXX AND XXXX XXXX XXXX WITH ALDRIDGE PITE LLP REPRESENTING ALDRIDGE PITE LLP XXXX XXXX REPRESENTING XXXXXXXX XXXX XXXXXXXX REPRESENTING XXXX XXXX XXXX XXXXXXXX SOME OF THE ABOVE PARTIES AND MORE WERE INVOLVED IN THE THEFT OF ALL RESIDENTIAL PROPERTIES AND COMMERCIAL PROPERTIES AND WERE AWARE OF FRAUD ON ALL PROPERTIES BY OTHERS. 

THE ABOVE INDIVIDUALS HAVE ILLEGALLY ENGAGED IN REAL ESTATE THEFT, FRAUD AND FORGERY. THE PRESIDING JUDGE ALLOWED XXXX XXXX XXXX TO PROVIDE A HANDWRITTEN RECEIPT AS PROOF OF PURCHASE FOR THE PROPERTY. 

ALDRIDGE PITE LLP WAS NOT REQUIRED TO VALIDATE THE DEBT OF THE ABOVE PROPERTY NOR PRODUCE THE ORIGINAL COPIES OF ALL DOCUMENTS WE SUPPOSEFULLY HAD SIGNED. WE HAVE REQUESTED THESE DOCUMENT PRIOR TO XXXX OF XXXX. 

THE JUDGE STATED ALTHOUGH THE WARRANTLY DEED HAD ANOTHER COUNTY, XXXX, WHICH WAS THE INCORRECT COUNTY LISTED AT THE TOP OF THE DEED AND THE HOME RESIDED IN XXXX, HE STATED IT WAS LEGAL BECAUSE WITHIN THE BODY OF THE DOCUMENT IT MENTIONED XXXX XXXX. 

HE ALSO ALLOWED ALDRIDGE PITE TO STATE THEY WERE NOT SERVE PROPERLY WHICH IS A LIE AND ALLOWED THIS TO BE THE BASE FOR DISMISSAL BASICALLY FOR ALL OF THOSE INVOLVED IN THIS FRADULUENT PROCESS.
Product: Checking or savings account

So, currently I have a PayPal business account, and with it a PayPal Business Debit XXXX. This debit card is subject to a daily limit of {$400.00} for things like cash advances, atm withdrawals, etc. In addition to this, I have a XXXX XXXX account, and with it a XXXX XXXX Debit Card. This debit card is also subject to similar limits, but its limit is {$1000.00}. Now, I am trying to move funds from PayPal to XXXX XXXX, I attempt to add money to XXXX XXXX with the PayPal Debit card, but I want to move more than the {$400.00} limit so its unable to complete. So I go to PayPal and I attempt to transfer the funds to the XXXX XXXX debit card, and again it declines. Confused, as I was attempting less than the {$1000.00} limit the XXXX XXXX card is subject to, I call PayPal customer service. I am then told, once by a representative and again by their supervisor, that in PayPals system it is not able to distinguish a difference between an attempt to charge going through the paypal card versus an attempt to charge going through the XXXX XXXX card. They are apparently identical charge codes, thus the system things any charge going through the XXXX XXXX card is actually going through the paypal card, as of course they only recognize their own service, and is imposing the withdrawl limit of {$400.00} on it. After bringing up the fact that on this very website there is documentation stating that the card issuer is the one who can determine the limits a card is subject to and the fact that PayPal is not the card issuer I was told there was nothing more that could be done and that I was free to report them to you. So, heres me doing that.
Product: Checking or savings account

I dont remember the dates I closed the wells Fargo account a couple years ago and they were constantly taking out fees from my savings and checking. I contacted about this several times. I am trying to join the Wells Fargo settlement
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$48000.00XXXX DEPTEDXXXX XXXX Balance Owed : {$56000.00XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX
Product: Credit card or prepaid card

I received my XX/XX/XXXX credit card account billing from PNC Bank. I made one purchase, on my credit card, in the amount of {$20.00} and they charged me interest of {$.00}. But I noticed they also charged me a minimum interest charge of {$1.00}. When I called PNC and inquired about the {$1.00} I was told that this is company policy. So because I didn't meet their policy of at least purchasing and amount on the card to cover the {$1.00} they charged me, at a profit for PNC of {$1.00}, in which I received no benefit what so ever. 

I was so irritated by the reason I got from their representative that I closed the account. How is PNC getting away with this when they charge you extra money when the consumer gets no benefit as to purchasing an item on their card? 

I wouldn't have noticed the charge if I had not looked at my bill from XX/XX/2018 closer then I usually do. I would assume that other PNC customers are not noticing the minimum charge and that is why I am complaining both for myself and other customers as well. 

And I did not appreciate the representative 's quote of, " It is company policy. '' How many times have I heard that when a customer has a complaint. 

Anyway my complaint ; as to how PNC gets away with charging a minimum interest and if you don't reach the minimum interest charge you still have to pay them interest with no purchases on my part. And it is all profit on the bottom line for PNC. And what if you don't use the card for a certain billing month they still charge you {$1.00}? 

I have a couple of charge cards that do not have a minimum charge and I will continue to use them.