23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 ) ( 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Bank account or service

I was making a cash deposit at PNC ATM in XXXX, PA and the ATM broke down during the transaction and it did not credit my account and did not give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have sent two letters to Equifax requesting the incorrect information be removed from my credit report. The address were removed that don't belong to me but they removed the incorrect name. I am remarried and my name is not affiliated to XXXX. 

My drivers license and social all have XXXX XXXX. I received no notification from Equifax to confirm and my letter clearly stated to remove XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I disputed XXXX of my student loan accounts with all three credit bureaus TransUnion, XXXX and XXXX via certified mail. 
I asked them to verify student loan accounts from XXXX and they didnt provide any proof that said accounts should still should be reporting balances. 
XXXX transferred all of my student loan accounts to XXXX in XX/XX/2023. 
My XXXX accounts should be reporting XXXX balances. However, now I have XXXX student loan accounts reflecting on my credit report. This is apprehending my credit creditably tremendously.
Product: Money transfer, virtual currency, or money service

I set up a PayPal account XXXX and as soon as I received the money in my account {$1500.00} they permanently locked me out during the coronavirus crisis making more stressful to take care of my family telling me I can not recieve my money for 180 days. They told me I had 2 accounts that I owed amounts on and that if I paid then that would restore my account and I would have complete access to my funds {$1200.00} after making accounts current which I did no questions but as soon as I paid the locked me out. If i cant use PayPal then why allow me to make an account verify me and then keep my money. I'm not a seller this was only a transfer ONLY. Legally they are not a bank and can only hold funds up to 21 days by law. Now they wont respond of give me my money nor an explanation. They can not keep anybodys money it is not legal. And with this crisis I should not have to apply for government assistance when I legally have my own money they will not give me. I also have photos of conversation with PayPal telling me if I make old accounts current that they would give me access to my money in that account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Bank XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX You literally had enough time to verify this account and because you didnt anytime send me even 1 shred of evidence that this is my account or that I have any liability or responsibility or ownership, it needs to be deleted.Im pretty certain that you violated a bunch of federal laws : 1. You didnt prove the creditor even responded 2. You didnt send me anything at all to verify this was mine 3. Youre being paid to report this by a creditor I cant even get ahold of 4. This is absolutely false info being reported and section 609 protects me specifically against this! 

XXXX was able to verify accurately. How was there different outcomes with the same investigations. 

Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on all 3 credit reporting agencies that are not mine and I did not authorize. 
The companies can not give me any information and XXXX, XXXX and Experian refuse to take them off!!! 
I have an XXXX average credit score, I take my credit health seriously. I can not believe these companies are allowed to do this!!!!!
Product: Payday loan, title loan, or personal loan

I was originally set up on auto payments through the HCS Loans website, however their system routinely failed to pull the money out on the due date so in XXXX I manually made my payment and withdrew from their auto payments. Despite their system failing to pull funds as scheduled I made all of my payments timely or within the 3 day grace window, my due date is the XXXX of every month. 

I was originally contacted by a collector on XX/XX/XXXX that once I explained that I have made monthly payments they are just being made early he ended the call. 

Since deciding to manually make my payments I have been paying at the beginning of the month. They are telling me now, XX/XX/XXXX, that their system can not recognize the early payments correctly and that I need to make two payments in XXXX to get caught up because their system reads my XXXX payment, XX/XX/XXXX, as an XXXX payment even though it was clearly made in XXXX and the XXXX payment had already been made. The representative transferred me to a manager who said that they could not credit the XX/XX/XXXX payment as a XXXX payment because the XXXX billing cycle was still in affect when i made that payment and that I need to make two payments to get caught up. 

The representative and manager both agreed that they could see monthly payments but that my XXXX payment came in to early so it can not be reflected as a XXXX payment. I told the manager that I would happily go ahead and pay my XX/XX/XXXX payment if they would go ahead and have their system recognize the XXXX payment as a XXXX payment or as not due. She said that they could not do that. She said that I am now being charged late fees ( even though the payments actually came in early ) and my account now reflects interest charges which per my contract it should not. 

I am waiting on a reply from a higher up manager but was told that it can take a while and that they will not make their system reflect the XX/XX/XXXX payment as a XXXX payment. They are crediting it as an extra XXXX payment. I also offered to from now on wait until at least the XXXX of the month to make payments to be sure that the billing cycle for the previous month was over. However the first representative told me I needed to wait until the XXXX and the manager said the XXXX but that the XXXX billing cycle ended the XXXX so they dont seem to know when their billing cycle ends. My payment history per their website is below. 

They are now, XX/XX/XXXX, telling me that even though the payments are clearly made monthly that I am behind because my XXXX payment was too early to be credited as a XXXX payment. 

They are trying to collect an extra payment from me even though I have made a payment every month and are now trying to charge me additional fees on top of that. My first payment was due in XX/XX/XXXX. 

Payment history per their website : XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

Identity Theft and Non-Removal of Disputed Items from Credit Report Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue related to identity theft that has severely impacted my credit report. My identity was stolen in connection with the XXXX Equifax data breach, during which sensitive personal information was exposed to unauthorized individuals. As a result, numerous accounts and inquiries that I did not authorize have appeared on my credit reports with the three major credit reporting agencies : Equifax, XXXX, and XXXX. 

Despite my diligent efforts to dispute these items with the credit reporting agencies under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ), the agencies have failed to remove the fraudulent items. I have explained that these accounts do not belong to me. 

Summary of Key Issues : XXXX. Fraudulent Accounts : My credit reports list several accounts and inquiries that I did not open or authorize. 
XXXX. Disputed Items Ignored : Despite my repeated disputes, the reporting agencies have failed to conduct a proper investigation as required under 15 U.S.C. 1681i ( a ). 
XXXX. Failure to Comply with FTC Identity Theft Protections : I have submitted FTC identity theft reports and requested that the agencies block or suppress fraudulent items under 15 U.S.C. 1681c-2 ( a ). The agencies have not adhered to these protections.

This situation has caused significant financial harm and emotional distress, as these inaccuracies have resulted in reduced creditworthiness and difficulty securing basic financial services. 

Request for CFPB Intervention : I am seeking the CFPBs intervention to : XXXX. Ensure that the credit reporting agencies comply with the provisions of the FCRA by thoroughly investigating my disputes and removing the fraudulent items. 
XXXX. Verify that the credit reporting agencies have implemented identity theft protections as required under the FCRA and FTC guidance. 
XXXX. Hold the credit reporting agencies accountable for their noncompliance and failure to address my identity theft claims adequately. 

Supporting Documentation : I have attached the following to support my case : XXXX. Copies of my disputes submitted to the credit reporting agencies. 
XXXX. Equifax email stating that my information was infact exposed in the data breach XXXX. Correspondence showing my attempts to resolve these issues. 
XXXX. Copies of my credit reports highlighting the fraudulent items. 

This matter is urgent, as the unresolved inaccuracies on my credit report continue to cause substantial harm. I trust that the CFPB will advocate for my rights and help bring resolution to this matter. 

Thank you for your attention and assistance. Please feel free to contact me directly if additional information or documentation is needed.
Product: Mortgage

My home is located in XXXX Florida. On XX/XX/XXXX hurricane Ian hit the Gulf Coast leaving damages throughout neighborhoods. It was declared a devastated area by FEMA. I reported my damages with my home insurance XXXX XXXX  They issued me {$45000.00} for repairs. As directed. I had to endorsed the check and mail it to SPS Select Portfolio in UT. The endorsed there part and only sent me back $ XXXXto start my repairs. I have 390 sq ft of fence to replace PVC., a new roof, replacement for window screens, paint. Pool equipment repair, Prior before getting my money for the repairs I had to take out of pocket some costs like a tarp to cover the roof as well as hold my place with contractors to order supplies as there was a huge demand. I was instructed but SPS to log into a website called " Insurance Claims '' this shows me steps that is needed to complete once repairs are complete. They indicated I would get back the {$5000.00} after the final inspection was done. I received a text from there inspector XXXX who only wanted pictures of the final completion of the damages which I sent. SHe said it would take 7-10days. THis was sent and it was uploaded into the company 's site on XX/XX/XXXX. They still haven't released the money. They stated that only 95 % was done. I spoke to many reps and the last one stated that she will note that paint and clean up isn't based on structure and funds would be released this was two weeks ago and still no indication from there website that the rest of the money pay back for the work that was done was sent. The contractors want to pay off the balance and its leaving me in a very bad way with these workers and I don't want to go to collection. The house that is damage is an investment property and I was unable to rent during these time for the property not being safe. I requested a defer for mortgage assistance back in XX/XX/XXXX but it still hasn't finalized. I keep in touch every week and the underwriter who keep asking for the same docs over and over wont move forward. Even there Reps don't understand what is going on. I have complied with every request and they wont release the {$5000.00} or move forward with the mortgage assistance. They are stealing the home owners money and not releasing it to me to pay my contractors. can you help.
Product: Checking or savings account

I reached out to Cit Bank on Friday, XX/XX/2025. I spoke with the customer service rep stating that I was having issues trying to add my " XXXX XXXX  account '' onto their external accounts section. I was put on hold for about XXXX minutes & the rep came back onto the phone stating they were still looking into this & then came back XXXX minutes later & stated that my account will need to be under " bank review '' for XXXX hours. And I ask why is my account going under review & she couldn't give me an explanation but stated that someone would reach out to me & so I called on Thursday, XX/XX/2025 since I haven't heard from anyone asking for an update & the rep took my information & stated someone should reach out to me the following day. So I got a call from someone on Friday, XX/XX/2025 stating that they needed to verify that it was really me & told them that I responded to all of the security questions that was asked & they needed me to send over a bank statement from " XXXX  XXXX  '' to verify this is me & he provided me the email address & I sent my bank statement over & I was told I should hear from someone in one or two business days. As of today, I have not heard from anyone regarding this matter. And at this time I would like to withdraw all of my money out this bank.
Product: Credit reporting

I have been using a credit monitoring service for sometime now. When my husband and I were in the process of applying for a preapproval for a mortgage, our credit scores were a lot higher than the credit monitoring service showed. The XXXX credit monitoring service showed a score of XXXX but when the mortgage company pulled my credit my score was XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion for violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>. I sent a letter to Transunion requesting an investigation into the completeness and accuracy of the following account : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Despite my request for investigation, Transunion failed to take appropriate action as mandated by the FCRA. Specifically, Transunion neglected to comply with the following provisions : XXXX. Violation of 15 USC 1681i ( 5 ) : Transunion failed to promptly delete or modify inaccurate or unverifiable information from my credit file, as required by law. Despite the dispute, Transunion affirmed the accuracy of the disputed information without conducting a proper reinvestigation. 
XXXX. Violation of 15 USC 1681s-2 : Transunion unlawfully furnished information to consumer reporting agencies, knowing or having reasonable cause to believe that the information provided was inaccurate.

4. Violation of 15 USC 1681i ( 7 ) : Transunion failed to provide me with a description of the reinvestigation procedure within 15 days of my request, as mandated by law. 

XXXX. In light of these violations, I am seeking the following remedies : Prompt deletion of inaccurate information from my credit file. 
Notification to the furnisher of the inaccurate information regarding the modifications made to my credit file. 
A detailed description of the reinvestigation procedure conducted by Transunion. 

I have enclosed copies of all relevant correspondence and documentation related to this matter for your review. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their violations of the Fair Credit Reporting Act. 

Thank you for your attention to this matter XXXX XXXX
Product: Credit reporting or other personal consumer reports

i was in a very XXXX  relationship with my XXXX  husband who is now serving XXXX XXXX for his actions against XXXX  and my XXXX. i found several accounts he opened in my name that i had no knowledge of or had given permission to be opened. 
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. 

a ftc report has been filed and is attached to this complaint.
Product: Credit card or prepaid card

This fraudulent Capital One credit card account was opened on XX/XX/2019. I have no knowledge of this account. I have tried several procedures to have this account deleted from my credit report. As I didn't know the proper steps to take this fraudulent account just remained on my credit report. I have contacted Capital One directly about this complaint. They did nothing. I even paid the account off through their collection department in hopes that the account would be deleted from my credit report as told to me by a representative on the phone. This account remains on my credit report and is affecting me dearly at the time of this PANDEMIC ( COVID-19 ). Capital One has no signature bearing my name in wet ink on no contract validating this account. This fraudulent Capital One credit card account should be deleted from my XXXX  credit report immediately.
Product: Checking or savings account

I lost {$1000.00} cash right in front of my eyes on XX/XX/23. It was so bewildering that I'm reaching out here. On XX/XX/23, around XXXX PM, I went to the PNC bank Mt. XXXX XXXX to deposit a total of {$2000.00}, consisting of XXXX {$100.00} bills. 

There was XXXX teller attending to another customer at the counter, so I filled out a deposit ticket. When it was my turn, I handed the cash and the deposit slip to the XXXX teller who was wearing a mask. We engaged in small talk about the mask. I couldn't see what she did with the money afterward because the area visible to me was narrow. 
Then the teller told me that I only gave her {$1000.00}, despite me double-checking that it was {$2000.00}, both before arriving at the bank and after. I explained this fact to her even after we arrived at the bank, but her response was that she only received {$1000.00}. The teller started counting the money and claimed that her balance was correct. I was dumbfounded because I was certain that I had brought XXXX {$100.00} bills with me, and I confirmed it before leaving and after arriving at the bank. 

In the meantime, another customer overheard our conversation and suggested that it would be best to report it to the police. So I immediately reported the incident to the police. Shortly after, an officer arrived, and I explained the situation, but the bank representatives said that all they could do was check the balance after completing their tasks. Later, around XXXXXXXX XXXX, the branch manager arrived at the bank and repeated the same story. So I waited in front of the bank until they finished checking the balance. 
It was past XXXX PM when the bank manager informed me that the extra {$1000.00} was not found after confirming the balance. 
Then, the only thing left for me to do was to contact the police and request XXXX footage review. I left a note requesting the footage review. Now, it seems like this is all I can do, so I'm leaving this message here. Please, help me find the missing {$1000.00} that disappeared right in front of my eyes. I feel incredibly unjust about this. 

I reported the incident to the bank 's customer service call center, but I haven't received any response. The branch manager mentioned that they would conduct an internal investigation, but they said that they wouldn't contact me separately. It's really disappointing that the bank is not taking any action in this situation.
Product: Student loan

1st Disbursement XX/XX/XXXX XXXX XXXX parent plus loan variable rate XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. 4.61 % XXXX XX/XX/XXXX XXXX XXXX XXXX. 4.86 % XXXX XXXX. 4.61 % XXXX. XX/XX/XXXX XXXX XXXX XXXX. 8 % XXXX. XX/XX/XXXX XXXX consolidation loan XXXX balance XXXX XXXX original principal XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX all payments were made on time Navient has repeatedly ignored the moratorium and hurt my credit... further they phone me 2 times per day to demand paymen
Product: Debt collection

XXXX XXXX, XXXX written request to validate debt sent certified mail directly to XXXX XXXX XXXX. As of today, XXXX XXXX, XXXX I have not received written documentation to validate such debt. Furthermore, I have submitted 3 times already a dispute with EQUIFAX this same information and keep being told to make contact with XXXX XXXX XXXX. I have done so and XXXX XXXX XXXX has failed to validate this debt in a timely manner. 
EQUIFAX states that this collection agency has supplied information confirming this debt belongs to me but has failed to provide me with said information. 
EQUIFAX states 'Notice to Consumers- " You may request a description of the procedure used to determine the accuracy and the completeness of the information.. '' I HAVE BEEN DENIED THIS INFORMATION IN ALL 3 DISPUTES SUBMITTED TO EQUIFAX. 
The collection agency has failed to validate this debt and I have been treated unfairly by the credit bureau in reference to this debt.