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

On my Transunion report # XXXX dated XX/XX/2019 inaccurate information from the US Dept of Education was correctly removed from my report. Transunion then illegal re-added these items without any notification which is a violation of CRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] regulation.

Please find an excerpt below.

Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notice from Transunion.
Product: Mortgage

My husband and I thought the FHA forbearance program had ended. Being behind on our mortgage due to job losses starting in XX/XX/XXXX, we thought we were just going to have to lose the house. However we learned last month that we could still request forbearance and also get a loan modification. 

On XX/XX/XXXX, I contacted our servicer, PHFA, to ask for forbearance and begin the loan modification program. I was assured by a local housing counseling agency that due to the CARES act, my request would be granted and we could avoid the foreclosure as our request occurred before the moratorium expired. 
I contacted PHFA via email as the phone lines we busy, and I received a response from someone on their home retention department that day. The response said that she had forwarded my request to her supervisor. 

I did not hear anything back from that supervisor until XX/XX/XXXX. 
On XX/XX/XXXX, that employee said that we were not getting the COVID forbearance. She also claimed that our issues started prior to Covid and. Therefore we are ineligible. Admittedly, we experienced a setback in XX/XX/XXXX, but it was recoverable until the job losses in XXXX. She did include a form requesting income information for other foreclosure programs. 
I have been attempting to get that form back to her, but I am struggling to get through to my state unemployment office. Without their help, I am locked out of their online system ( due to an attempted fraudulent claim in my name ) and can not get income verification. I have a ticket number of XXXX and they are currently on ticket XXXX as of this morning. I emailed the supervisor at XXXX to inform her of this on XX/XX/XXXX, but I have not heard back. We also received letters informing us that they have begun foreclosure today. 

We feel that had the supervisor not delayed in responding to us, and not denied our forbearance request ( this occurred prior to the dates on the foreclosure letters ) we could have a chance to save our home. It was also our understanding that if you had income losses due to COVID, you couldnt be denied the forbearance regardless of whether or not you were behind on payments prior to XX/XX/XXXX. I would think that initial unemployment claims in XXXX and XX/XX/XXXX would be obvious proof of that. 
The supervisor also claims we havent responded in 2 years. However we initially reached out in XX/XX/XXXX and also contacted XXXX to apply for a state XXXX in XXXX XXXX. 
All we want is what was supposed to be afforded to us via the CARES Act. Six month forbearance starting from our request date of XX/XX/XXXX and the Covid loan modification. The past 18 months have been extremely difficult for my family. Multiple hospitalizations and other health issues have compounded this. Being able to keep our home would ensure that we can actually recover rather than continue to fall backwards. Any help you can offer would be greatly appreciated.
Product: Credit card

On XXXX/XXXX/15, I requested a funds transfer from my XXXX account to my PayPal account. On XXXX/XXXX/15, it was finally processed, but it hit my PayPal " Credit '' account, which is through XXXX Bank. I sent an email to PayPal on XXXX/XXXX/15 and on XXXX/XXXX/15, while also following up with a phone call later in the afternoon. I was advised my refund would be sent out no later than XXXX/XXXX/15. I questioned that and was told it was the company 's policy. Having worked in credit prior, I knew that was n't correct or legal. I sent a XXXX email right after the phone call advising them of Federal Statute : Title 12, Chapter II, Subchapter A, Part 226, Subpart B - 226.11 Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall -- ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

On XXXX/XXXX/15, I sent an email through XXXX Bank 's website and was advised someone would be in touch within XXXX hours. I have not heard from XXXX Bank personnel ... and now PayPal is not responding to my XXXX, direct messages, or emails. I also sent emails on XXXX/XXXX/15 and XXXX/XXXX/15 with no response. Whatever the penalty is for violating the statute, I want it applied to either PayPal, XXXX Bank, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was provided an update from XXXX XXXX in regard to my complaint against them for false information submitted on my credit file. XXXX XXXX responded to the complaint. However, TransUnion has not provided any update as stated in their response from XXXX XXXX. I am asking that TransUnion update my credit file with the response from XXXX XXXX. TransUnion has continued to violate my rights under the Fair Credit Reporting Act by not providing and or report inaccurate information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting that I have a dismissed bankruptcy in my credit report. I shouldnt have any reporting of a bankruptcy in my credit file. I have requested in writing on four different occasions for Experian and XXXX to conduct a reasonable investigation into this matter and to delete all reporting of dismissed bankruptcy from my public records and to cease & desist any type of bankruptcy reporting on any account. 
As of XX/XX/2019 Experian is currently reporting a dismissed bankruptcy in my public record file. Experian is also reporting a dismissed bankruptcy under account history and account status on a closed XXXX XXXX account. As of XX/XX/2019 XXXX it's currently listing an incorrect status and account history for XXXX XXXX XXXX closed account. Experian and XXXX  has confirmed that they have obtained public records from a third party vendor known as XXXX. As of XX/XX/2019 there is no bankruptcy reporting on my XXXX file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of Incorrect Information on Credit Report As my second attempt for resolution as your recent response to my request for reinvestigation left me alarmed. Your vague response was that the aforementioned accounts were " updated ''. However, According to FCRA 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ), your agency is suppose to provide and/or source of the information to which deemed this result. You did not comply with this law and thus, I am writing to again dispute as I am in the process of purchasing my first home. These fraudulent items are causing adverse actions hindering me from moving forward. The following fraudulent accounts on my credit report that I have recently become aware of. The accounts in question are : Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX ... 

Account name XXXX XXXX XXXX XXXX Account number XXXX. 

I have no knowledge or record of this account sand I believe this represents a mistake on the report 1 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v gravens ( mo ) 281 sw 715,719, i presume that no proof of the alleged debt, nor therefore any debt, in fact therefore exists The FCRA, under its purpose and intent in Section 1681 ( previously Section 602 ), was enacted to protect the privacy of consumers, and I believe this has been violated in my case.

Furthermore, under FCRA Section 604, " Permissible purposes of consumer reports '' ( 15 U.S.C. 1681b ), a consumer reporting agency is allowed to furnish a report only under certain circumstances, which I believe have not been met in my situation.

Therefore, I respectfully request that you promptly investigate this matter and, if my complaint is found to be justified, promptly delete the disputed item from my credit report.

In addition, I request copies of the documentation verifying the debt and the identity of the original creditor, in accordance with Section 609 ( 15 U.S.C. 1681g ).

Please acknowledge receipt of this letter and inform me of the results of your investigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX was transferred from my saving account to my checking account by scammers passing as XXXX that hacked our computer and I was told that XXXX sent {$42000.00} by mistake as they were attempting to give a credit for {$420.00} on my checking account at Citibank. I was unable to verify where this money came from because the computer went blank. They gave instructions to send {$41000.00} to a scammer 's bank account : XXXX XXXX XXXX NY at XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX I told them that it was between XXXX and Citibank to get the funds back. They got very abusive over the phone. I went to the bank on my way to a doctor and instead of asking for the balance in my savings account, I gave the instruction to send the money via money transfer. At the doctor 's office I realized that the money must have been from my savings account and I went back to the Citibank branch within an hour and told them to recall the transfer. I stopped talking to the scammers and never gave them the reference number of the transfer. After running around all over the place following the instruction of another scammer passing as the security officer of XXXX ; this person came to the telephone when I attempted to call XXXX When I got home, I realized that this guy was another scammer. My sons and I immediately called Citibank, New York that night to recall again the fraudulent transfer. The bank representative on the line said that the wire transfer was being recalled and the funds will be frozen. However, Citibank was negligent because I feel that they did not recall the funds on the XXXX but the following day XX/XX/XXXX and did not request XXXX XXXXXXXX XXXX  to freeze the funds. It was until 20 days later XX/XX/XXXX that they scalated it to fraud. They were nonchalant about freezing the funds and flagging down the transaction. They claimed that they elevated it to fraud on XX/XX/XXXX. We reported it to the FBI in writing on XX/XX/XXXX as fraud and went again to the Citibank branch to report it on XX/XX/XXXX and over the phone the bank officer told Citi New York it was fraud and proceeded to close the account and open a new one. My XXXX sons and I continued to call Citibank every other day to see if they had informed XXXX XXXXXXXX XXXX  that the account was opened for Money laundering the funds obtained from hacking. I wish that if Citibank New York was not going to inform the XXXX XXXX. XXXX about the fraud, they should have informed us and given a phone number to call XXXX and tell them to freeze the funds. We tried contacting XXXX XXXX  directly but too many days have passed and they refused to talk to us telling us to contact their Holding Company. Citibank said thank you for sending the affidavit on XX/XX/XXXX, even though they never requested an affidavit from us and therefore, we never sent XXXX. The officer at the branch showed me the written message sent to Citi New York on XX/XX/XXXX for the second time after recalling the transfer the previous day and it clearly stated fraud.
Product: Money transfer, virtual currency, or money service

I have been buying bitcoin and ethereum on XXXX XXXX for a few months now and this is the first issue iv had, and yet its a big one. Coinbase charged me twice for most if not all my transactions. Onc3 on the day i purchesed them, and then they charged me the same amount for all my purchases again on XXXX. XXXX, 2018. I have included my online bank statements. The ones with the red mark next to them are the second charge and the ones with the blue are the original charge on the day i purchased. I also provided my coinbase purchase history where i outlined all my transactions in purple. I have tried to contact support mant times and can not seem to get ahold or get through via email or phone. My Case number with coinbase is XXXX
Product: Student loan

I received a loan for XXXX dollars to put myself through school in XX/XX/XXXX. I do not have all the documentation however my current balance is XXXX dollar and I have paid XXXX. They denied my request to enter forbearance during XX/XX/XXXX-XX/XX/XXXX even though I had proof I was still enrolled in a graduate program. They have compounded interest upon me unfairly. In the statement I am looking at it states I have satisfied XXXX dollars of principal and yet I still owe XXXX dollars?? They are price gouging! I would like the interest that accrued to be reduced/eliminated from when I could not make payments while enrolled in a graduate program. Thank you very much for your time.
Product: Debt collection

A supposed debt collector named Receivable Management Partners has called me five times in the past ten days between XX/XX/XXXX and XXXX. They voicemails demanding I pay an unspecified debt and despite blocking their number they continue to call me through different phone numbers.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ), 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 ), states 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 or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a
inorougn ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a paying customer with TRANSUNION my problem is most of the time I refresh my report is gets disconnected stating technical difficulties also the dispute website never works. I have disputed the inaccurate inquiries in my account and transition stated that its not their responsibilities to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my account was compromised. I tried to dispute this with XXXX already. I did not apply with Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible when the open date is inaccurate, the last date is not accurate, the payment history is empty and inaccurate and no validation of any accounts requested have been mailed to me. 

I am saddened that my rights were violated as a consumer over and over again under : 15.U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2. Also states a consumer agency can not furnish an account without my written instructions. 

I have been suffering for decades due to " bad '' credit history. I have been profiled, label and denied funding due to what is reported on my credit report. Life has been hard. It is heartbreak to find out, that this is not of my doing but the lack of accurate research on the part of the credit report before furnishing anything under my name. Attached you will see that no accounts have any accurate information which is mind-blowing. I am reaching out as a frustrated and fed-up consumer determined to get answers.
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.

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 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 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 ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

These companies have not and never do a thorough investigation nor do they provide proof in writing showing a thorough investigation or results. Furthermore I have not given written permission to anyone to report on my behalf on my credit reports or use my information. 

The following needs to deleted from my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XX/XX/2023 MY TAX REFUND WAS DEPOSITED INTO MY CHIME ACCOUNT FOR THE AMOUNT {$25000.00} IMMEDIATELY THEY LOCKED MY ACCOUNT AND FROZE MY FUNDS I CALLED AND EMAILED THEM AND THEY REQUESTED THAT I SEND DOCUMENTS TO THEM VERIFYING MY TAX REFUND. I SENT THEM EVERYTHING THEY REQUESTED, INCLUDING MY ID, MY TAX TRANSCRIPTS, PROOF OF MY MAILING ADDRESS, AND THE RECEIPT FROM TAX PREPARATION. I SENT SEVERAL EMAILS AFTER THIS TO VERIFY THAT THEY RECEIVED EVERYTHING AND THEY HAVE NOT RESPONDED. THEY REFUSE TO UNLOCK MY ACCOUNT, OR SEND MY FUNDS TO ME IN THE FORM OF A CHECK, THEY ALSO REFUSE TO SEND MY MONEY BACK TO THE BANK THAT DEPOSITED MY FUNDS IN THE FIRST PLACE. I CONTACTED THE XXXX  TO FILE A COMPLAINT AGAINST THIS COMPANY AND THEY DENIED RECEIVING THE PAPERWORK I SENT THRU THEIR SECURE WEBSITE AND REFUSED TO REFUND MY FUNDS OR PROVIDE ANY TYPE OF SOLUTION. THEY ARE SIMPLY KEEPING MY MONEY IN THEIR ACCOUNT WHICH IS STEALING. IT IS MY UNDERSTANDING THAT XXXX XXXX  XXXX OR XXXX XXXX, XXXX IS IN CHARGE OF REGULATING CHIME. PLEASE SEND ME MY MONEY IN THE FORM OF A CHECK OR RETURN MY FUNDS TO THE BANK THAT DEPOSITED MY FUNDS INTO THE CHIME ACCOUNT.
Product: Credit card

Without fail, I have ensured that payments on this account are made promptly, avoiding any instances of being overdue. The reasons behind the presence of late payment remarks on my accounts are unclear to me. As stipulated by XXXX XXXX XXXX - Billing Error, corrections must be made.