23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I used the PNC Mobile APP XXXX to Transfer money to an individual to purchase Football Tickets for the XXXX XXXX vs XXXX XXXX XXXX on XX/XX/XXXX. I sent the buyer {$200.00} to his XXXX email address out of my checking Account and the seller never sent me the tickets and disappeared leaving me out {$200.00}. I immediately called both XXXX and PNC both of which who said there was nothing they could do as XXXX did not offer any buyer protection and it should only be used with friends and family. PNC took my dispute but spent less than 1 day researching anything and sent me a denial letter of my dispute. I was fraudulently scammed out of {$200.00} and my bank is doing nothing to help me retrieve my funds. They said i authorized the transaction therefore its my fault. This is no different than using XXXX or XXXX  and authorizing a transfer of funds why is XXXX any different? I feel I am wrongfully being cheated out of {$200.00} by both my bank and XXXX.
Product: Debt collection

On XX/XX/XXXX around XXXX I received a notification from XXXX XXXX stating that a new collection was added to my credit report as I proceded to go take a look I noticed it was from a XXXX XXXX creditor in which was reopened by a collection agency by the name of LVNY FUNDING LLC . I was stunned to see that over XXXX $ was used on a credit card that I had NOT a piece of knowledge about or how it was even put in my name l check my credit and monitor it daily and wasn't sure how this could even be possible. The date it said it was opened was back in XXXX XXXX on the XXXX, I was never aware of this problem until the date XX/XX/XXXX I've contacted XXXX XXXX stating my situation and all other credit bureaus such as XXXX, XXXX, and XXXX and also obtained a police report to report identity theft in an attempt to get the problem removed, disputed, investigated and resolved.This Problem Has had me stressed since the day it occurred and hope it can get fixed as soon as possible
Product: Credit reporting or other personal consumer reports

To whom it may concern, I can not access my consumer report. Please allow me to access my consumer. see my enclosed documentation XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite having paid my student loans in full, Equifax continues to report an outstanding balance on my credit report. This incorrect information has not only misrepresented my financial status but has also caused undue stress and potential harm to my creditworthiness. My primary goal is to ensure that the credit report accurately reflects the full payment of my student loans, while also maintaining the integrity of the payment history. This approach will prevent any negative impact on my credit score during the correction process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an incorrect address with Equifax for the last 7 months. I have called and sent dispute letters for the last months and Equifax has not corrected the inaccurate information on my credit report. What they keep saying is that they have updated my credit report but it stays the same. I sent dispute letters to Equifax on XX/XX/2021, XX/XX/2021, and phone call, XX/XX/2021, XX/XX/2021, XX/XX/2021, and the last one on XX/XX/2021. Equifax has failed to correct the address that does not belong to me. I seek remedy by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$190000.00}
Product: Vehicle loan or lease

I didn't give written permission to have these inaccurate accounts furnished on my report as per 15 USC 1681-a2, 15 USC 6802 b
Product: Bank account or service

Opened a Simple account XX/XX/2016, linked my local bank to the account, made a couple of EFT 's from my bank and then started using it for purchases in XX/XX/XXXX. Made a {$2000.00} EFT in XX/XX/XXXX that was debited from my bank balance, yet is in limbo in the Simple account. That transfer seems to have triggered a review and verification. As of XX/XX/XXXX, my account has been frozen with an original standing balance of {$1200.00} and the XXXX not added to the total balance but shows up in the ledger on the phone app. I was asked to submit my ID, SS card and 2 recent bank statements in PDF format. Several calls, messages and months later, my account remains frozen and unverified. I spoke with a manager today and was told that the PDF 's I sent them directly from my bank looked scanned are not acceptable. I asked if I could have the entire {$3200.00} transferred/deposited back into my bank account and was told, " no ''. I asked how else I could get this resolved and they had no answer. I 've used PDF 's from my local bank for verification with other institutions in the past without any issues. Simple seems to think my bank has a problem generating the proper documents, yet they have no other solution for me to submit the proper forms for verification that would unfreeze my funds.
Product: Student loan

Complaint to MOHELA ACCT NUMBER : XXXX Hello My name is XXXX XXXX XXXX XXXX I have a certification of XXXX approved on XXXX XXXX XXXX XXXX XXXX plan FOR THE ACCOUNT XXXX. They are committing discrimination against XXXX XXXX borrowers. I have had an approved XXXX since XX/XX/ and without my consent they want me to pay the full amount. Now I called XXXX times and talked with XXXX  representatives to resolve the situation. I need my XXXX back. The XXXX repayment plan approved on XXXX XXXX XXXX is : XXXX : And the XXXX payment Amount for this plan is : XXXX FOR XXXXXXXX XXXX PAYMENTS. 

As a result of everything that happened with Mohela, I had to request a new repayment plan, when there was already an approved one. I understand that the process they have put me through is unfair. It is a process that is detrimental to the borrower. They also did not want to process the payment deferral until XX/XX/, in which the requested repayment plan is approved. To date, they have not wanted to process my new request nor the documents that support it. The customer service is terrible, they don't want to talk to XXXX customers. They hang up the phone when you ask to speak to a supervisor. I am desperate and saddened and I don't know what else to do after so many calls and emails written almost XXXX with this company. I have exhausted all available resources and that is why I very respectfully turn to you for help. 

I have a XXXXl complaints to Mohela with no response or resolution. 


Complaint- XXXX XXXX XXXX  Complaint- XXXX XXXX XXXX   Complaint- XXXX XXXX XXXX Complaint- XXXX XXXX XXXX  Complaint- XXXX XXXX XXXX Complaint- XXXX XXXX XXXX I appreciate all the help you can give me for this terrible situation.
Product: Debt collection

On XX/XX/XXXX, I paid my internet bill with XXXX early, as I was closing the account it was typically auto drafted from. Despite removing the account from my online account and paying the bill on XX/XX/XXXX, XXXX attempted to autodraft on XX/XX/XXXX on my closed account, resulting in ( 1 ) a negative balance on my XXXX account XXXX XXXX XXXX a rejection of the draft by my former bank. 

I contacted on XXXX XXXX to inform them the negative balance should be XXXX, as I was notified by my former bank that the autodraft was rejected. At that time, the customer service rep for XXXX  removed the old account from their end ( even though it was already gone from the customer-facing site ) and assured me the account would be balanced shortly. 

On XX/XX/XXXX, the customer account site still showed a balance of XXXX. 

As of this morning, XX/XX/XXXX, the balance was {$0.00}. 

Today, I got a letter XXXX see attached ) from TRS Recovery Services , Inc claiming that XXXX had turned the " debt '' over to collections and I now owe {$89.00} + {$30.00} " returned Item fee. '' This letter is dated XX/XX/XXXX, XXXX days after I contacted XXXX. In addition, there is no way they would have turned an account where nothing was due over to collections. 

To " resolve '' the dispute, I went to the TRS  website, only to find they require my SSN, as well as a routing and checking account number for a dispute, despite having assigned a " reference number '' to the case. I then contacted XXXX to see if they could resolve the issue. 

See attached screenshot. The XXXX company does not use TRS Recovery for debt collection, they show my account as in good standing, and there is no debt in collection. 

I called the number on the TRS letter. The only way to talk to an actual person was to lie in the phone tree and claim I didn't have a reference number. When I did get an " XXXX XXXX '' on the line, she asked for my reference number. When I gave it to her, she hung up on me. 

This is clearly fraud.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fullfill its legal obligation under FCRA fair credit report act, to conduct a resonable and INVESTIGATION of dispute information in the credit report, leaving unverifiable account, innacurate infomation to resolved. The consumer Financial Protection Bereau CFPB has recently filed a lawsuit against Equifax, for system issues such as failing for foward consumer provided evidence to furnishers, response, accepting unrealible and failing to adequately notify consumers of dispute outcomes, these align with my experience, where XXXX has neither corrected nor removed disputed items DESPITE the evidence I PROVIDED, causing me harm to my credit standing.
Product: Debt collection

MCCALLA LLC> IS OPERATING UNDER A FRAUDULENT STATUTE AND THE UNLAWFUL ACTIONS OF BEING GIVEN INSTRUCTIONS FROM XXXX XXXX XXXX XXXX AS ATTORNEY IN FACT FOR XXXX XXXX. 
But these are all lies...

1. MCCALLA ceo XXXX XXXX has been served with a writ of XXXX XXXX which leaves his company to be dissolved for their actions. 
2. Revocation of power of attorney has been submitted on public record and sent to MCCALL and XXXX XXXX XXXX XXXX This ends all agreements and terminates the Attorney in fact relationship. 
3. The deed of property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reconveyed to the private Trust of owner in possession. 

so now I serve XXXX XXXX XXXX XXXX and their co-conspirators XXXX XXXX XXXX XXXX  and H.U.D in a suit of exclusive equity for " Equity regards the beneficiary as the true owner '' " Equity will not allow a statute to be used as a cloak for fraud ''
Product: Debt collection

LVNV Funding XXXX XXXX XXXXXXXX XXXX SC XXXX Acct # XXXX Reporting to XXXX   {$960.00} This Debt is not mine. Attached is Certified Mail Receipt of yet another letter asking for a contract with my signature from their firm.. Not some made up bill, not another just pay this letter ... ..If they can not show us a contract between me and LVNV Funding with my signature, then this must by law come off my credit. Ive written over 15 letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

In 2015 I lost my job 3 days after my first mortgage loan payment on XX/XX/XXXX. I spent 8 months without a job and early XX/XX/XXXX I fell behind on my loan payments.  As a result, my original loan was refinanced and payments under the new loan started on XX/XX/XXXX The XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX were applied to the old loan. By XX/XX/XXXX XX/XX/XXXX according to Penny Mac records I was 2 months behind. Issue solved and registered for auto-draft. Ever since then, every month I have to call because they draft the money from my account but for some reason they put it on hold and the money never gets deducted from my account unless I call and curse and swear to somebody. Today I received a call that I didn't pay XX/XX/XXXX XX/XX/XXXX. I'm pretty sure I called onXX/XX/XXXXto check on my account. Same thing... lady told me money was drafted and put on hold. But the person that called me today says the money was applied to XX/XX/XXXX and not XX/XX/XXXX. I have talked to collection agents, supervisors, they transfer me to a complaint division of some sorts... and everyone promises to fix the problem and it's been already a yr and problem hasn't been solved. I think that the money they had put on hold for XX/XX/XXXX was applied to XX/XX/XXXX instead. I'm pretty sure that I called on XX/XX/XXXX to check on the status for XX/XX/XXXX payment... and still, they messed it up. Don't know what to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card is currently reporting on my credit report. This account is not mine and I disputed it as identity theft with XXXX  and they removed it from my Experian credit report after receiving my identity theft affidavit but then they added back to my Experian credit report. I have done everything thing I needed to being a victim of identity theft but they are reporting on my Experian as 90 days late. This is not account.
Product: Consumer Loan

My finance company refuses to automatically debit my banking account despite being authorized to do so. Their " policy '' is that it was past due. It was past due because they failed to debit the account before it became past due.
Product: Debt collection

This Company ( The Thomas Agency Inc ) Never sent Me any Information on this so call debit of {$52.00} dollars. I know it was paid and they ruin my credit by filing this on my credit reports in XX/XX/XXXX.I know I paid it in XX/XX/XXXX
Product: Debt collection

I paid {$110.00} to  XXXX   XXXX   XXXX  in person when I closed my account and gave them back The equipment I was renting To receive the internet. They must have sold my information to another company because now Diversified consultant inc Is on my credit Report as of   XXXX   XXXX   XXXX     claiming that I ow e Them { $110.00}. Because of the false claim that I owe money, my  credit score w ent down. I do n't no who th is Company  is. I do n't owe them anything my last bill was paid with  XXXX   XXXX   XXXX .   Please help Me Thank You
Product: Debt collection

Asked for collection account to be deleted for incorrect dates. National credit adjusters then reached out and threaten to sue me and garnish wages for the debt they bought
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$2500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX I transferred {$60.00} from my XXXX  to my XXXX bank. This money was for my groceries/food. When I tried to order a food delivery I found my acct was frozen. I had to wait til this morning to call when XXXX customer service opened. I've called several times, been hung up on, told it will take XXXX bus days to resolve, have sent numerous emails. I haven't slept dealing with this issue was up all night trying to do sum thing to unfreeze my acct only to b told this morning that it will be XXXX bus days. I didn't have insufficient funds, why they did this they won't say. This was my food money for the wk and now I don't know what I'm gon na do. I'm XXXX and XXXX and about to fall apart over this. How can XXXX take my money and hold it for XXXX days????? I'm attaching the emails. Please help me XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX, and # XXXX - US Bankruptcy Court has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX consumer report that is being furnished by EQUIFAX, XXXX and XXXX ( CRAs. The CRAs are furnishing this consumer report, divulging private information without the express written authorization of the Surety. This unauthorized activity by the CRAs has caused serious harm. This is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury if CRAs fail to CEASE & DESIST reporting without the consent of Surety.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several unauthorized inquiries on my credit report, as provided by XXXX. After obtaining a copy of my report, I have identified the following inquiries that I believe are unauthorized and not attached to any of my accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, I request that you conduct an immediate investigation into these matters and remove these inquiries from my credit report. 
* Inquiry Details : * 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 XXXX XXXX XXXX XXXX Explanation of Inaccuracy : * All of the listed inquiries are unauthorized and not associated with any accounts in my name. 
* Request for XXXX XXXX and Removal : * I request that XXXX immediately investigate the unauthorized inquiries listed above and remove them from my credit report. 
* Reference to FCRA - 15 U.S. Code 1681a : * I want to bring to your attention the FCRA, specifically 15 U.S. Code 1681a, which outlines definitions and rules of construction related to consumer reporting agencies. As per the FCRA, inaccurate and unauthorized information should be promptly investigated and corrected.
Product: Mortgage

We had a prior loan with PennyMac with another home that we sold, so we decided to use them since we were familiar with them and had history. In the midst of the loan process I lost my job and so we were just using my husband 's income. He is collecting XXXX and money from rentals. We were asked to put more money down, which we did in an excess of $ XXXX to close. The new construction build was valued at around $ XXXX. In the beginning my husband offered to pay off the few small loans that he had and the loan officer asked him not to. As we move forward with the process, weeks later he told him he would have to pay off at closing. My husband wanted to pay off sooner so that it would not impact his debt to income ratio. The loan officer sent a text asking him to submit copy of his XXXX. He told him that he is not collecting XXXX and never had, just XXXX and the rental incomes from his properties. We were scheduled to close on XXXX to learn on XXXX that the Loan Originator/Officer, XXXX XXXX inputted that he had two XXXX one a XXXX. This is not what we told him. XXXX went ahead and submitted false information. We are not out of a home and close to $ XXXX that we paid to the builder. When we spoke with the loan officers manager on XXXX he told me there was nothing they could do. This is unacceptable, they rode us along all this time. We initiated the call to find out that this was the state we were in. The loan officer 's manager, XXXX XXXX said that he called me on XXXX. I have no missed calls or voice messages from him. I am very shocked with disbelief in the way our file was handled. The loan officer also told us to record that we were paying off our car although he knew we were not doing that. My husband told him, so you want us to lie and say we paid it off? We can't do that. All this took place on a recorded line. We want the money we paid to the builder and his manager made no indication that they were even considering paying us back. XXXX XXXX is the Manager and XXXX XXXX is the Loan Officer we were dealing with.
Product: Money transfer, virtual currency, or money service

I transferred money to XXXX through Western Union. 
Tracking number MCTN XXXX on XX/XX/2020 to XXXX XXXX XXXX. 
The tracking number got changed to XXXX XXXX XXXX He was never able to get his money. 
They told him they thought it was fraudulent. 
I assure you it is not.