23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I made an international money transfer through Remitly. 

I accidentally made the transaction to an incorrect account number on XX/XX/XXXX. 

Reference No : XXXX Bank Name : XXXX XXXXXXXX XXXX  Amount : XXXX dollars I contacted the receiver bank directly and they gave me the information that they already reverse the amount from the incorrect account to XXXX XXXX account by XXXX XXXX XXXX. 

NO : XXXX XXXX ] The receiver bank cant provide any further information beyond this limit and inorder to keep the confidentiality of that unknown account. 
I tried calling and mailing Remitly customer service multiple times for the amount reversal.But even after more than one month time period, I didn't get the refund and misleading with incorrect information.The response that gave me " Their partner/ Delivery bank isn't responding to their email communication. So, they can refund the money until then ".

So please check into this matter. Waiting for your response. 

Thank you.
Product: Vehicle loan or lease

I put in a application for a vehicle loan, specifically told the person what I was looking for ( cargo van ), I even ask her if I can get a personal loan with this type of vehicle, her response was as long as youre not using it for commercial use, its fine, we proceeded with the application, she asked me had I picked out a vehicle yet, I told her I was at the dealership at that time, Im looking at this cargo van but not sure if this will be the one, but I will be getting one, we even discussed the mileage on vehicle as well. We hung up after application, I received a pre approval not long after ( within hours ), received a check next business day, took check to dealership ( around XX/XX/XXXX or so ), signed papers and I even reached out to Navy federal about 2 weeks after deal to confirm payment due date, and amount I was told at that time the check was sent back to dealership because it had no Pin #, I called dealership to explain provided dealership with the info they needed to provide to navy federal and didnt hear from dealership until today, XX/XX/XXXX explaining to me that Navy Federal will not fund the truck and I will need to return truck, so I offered to contact navy federal myself to find out issue, I was told they cant fund a commercial vehicle I explained to them I 100 percent told the person that put my application in what I was getting.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX accepted into a debt management program. Consolidated credit solutions payments are made through consolidated credit solutions capital one shows account current every month through app as consolidated credit solutions is paying the {$15.00} fixed paid agreement account shows current minimum payment met yet XXXX XXXX continuously reports late on credit see screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX of XXXX- I ask them to to try and Qualify me for a car under my Business EIN ( I did not give them my personal SSN ) and It still appeared on my Personal Credit File. 

XX/XX/XXXX This is the same situation as with XXXX XXXX of XXXX. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. I applied for a credit card. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. 

The below are all Inquiries that I did not authorize : Equifax : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC does not allow one to link their banking data to various systems online. I have to use another bank account instead of PNC to link to systems and it's quite annoying to not be able to monitor transactions in my primary bank account by linking to other online platforms and systems. For example, I'm a XXXX. I've tried to link transactions to XXXX, an online rental platform, it says PNC won't do it. I've tried to link to another rental platform, same problem. And now I'm trying to link to XXXX to manage rental payments - won't allow me to connect the PNC account. Not cool.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I am writing to you with heavy heart that XXXX XXXX bank reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately. 

I am sending the letter from XXXX XXXX saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that XXXX XXXX is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks after than conversation i received a letter saying they will not fix it as it was  not their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I asked that TN child support provide me a certified copy of their final forensic audit and complete audit trail of my child support account. I needed verification of the audit debt entry in accordance with XXXX, and also proving compliance with XXXX Matching Principles, and in accordance with XXXX, and in accordance with XXXX XXXX, and in accordance with Accord and XXXX Conventions. I requested that they show me the full double-entry bookkeeping accounting ledger, but that was not done. I advised Experian of this matter on XX/XX/22. Because TN child support could not provide the information, Experian MUST remove TN child support from my credit report. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a purchase online from XXXX. During the checkout process, XXXX offered a XXXX XXXX option of 6 easy payments of {$49.00}. At no point during the checkout process, did XXXX notify me that a credit report would be pulled in order to use XXXX XXXX. In fact I never entered a Social Security number which is usually required to apply for credit. There was no notification, no pop-up box saying selecting value pay would authorize XXXX XXXX To pull a credit report. The item was {$300.00}, I have {$21000.00} in available credit and did not need to use XXXX XXXX. It gave me the option, and there was no disclaimer about how it worked. I made the purchase, chose XXXX XXXX and checked out. The very next day, I received a notification that there was a new inquiry on my credit report. I looked and to my shock, it was from XXXX XXXX. I immediately reached out to their credit department, and spoke with a representative there. She told me that Equifax allows them to only submit Name and Address to pull credit reports, and this was how they were able to obtain my credit report. How is this even allowed. I thought requesting credit required a social security number. Anytime in the past when I have applied, that is the one piece if information that I must supply. Needless to say, I told her that this was deceptive business practices and to have the inquiry removed. She told me they could not do that, and I would need to reach out to Equifax directly. So I went online to Equifax and disputed the inquiry on my credit report. I received an email back that they validated the information as correct and that I authorized XXXX  XXXX  to pull a credit report without my social security number. I believe these are false and deceptive business practices and I need this to be investigated by the CFPB. No one should be able to obtain a credit report without my express consent or without me providing my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Early warning. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking.
Product: Credit reporting or other personal consumer reports

Equifax continues to report inquiries that are not mine. These inquiries are causing me damages and to be denied credit. I have not given any of these companies my personal details for them to access my private consumer file and Equifax allowing this behavior is a violation of my rights. Remove any names other than XXXX XXXX XXXX spelled exactly as stated my only legal mailing address is po box XXXX XXXX XXXX MI XXXX there should be no other addresses if so delete them immediately and remove and security freeze and or blocks on my profile immediately. Dont ask for my identification because it is attached to this complaint so take note of it so you will not be sued.
Product: Money transfer, virtual currency, or money service

I am submitting this complaint due to my disputes not being handled properly. There have been many times I've been scammed using Zelle before scam warning acknowledgments existed. Zelle never investigated my claims properly so my money has never been returned to me. Zelle has neglected to protect their customers and allow scammers to take these monies without having a good resolution for the person being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX bought a debt from Discover Bank on a credit card. Sent illegal letters threatening litigation, and refused to follow federal guidelines outlined in the FCRA to validate the debt. The last request to validate the debt was sent in XXXX of XXXX, the first requests were sent to Discover in XXXX. Neither party validated the debt under the guidelines of the FCRA and are in direct violation of Federal law. 

The debt collector also violated the contract agreement with Discover and is attempting to use the legal system as a scare tactic even when the contract with Discover states neither party can use the court system. 

Discover claims charges were reversed, bank statements with XXXX XXXX XXXX ( the bank used to make the payments ) show the payments, totaling over XXXX XXXX USD did clear to Discover. Neither party has followed written or verbal requests to validate the debt and both refuse to follow Federal laws and regulations or even state laws.
Product: Money transfer, virtual currency, or money service

The negligent mishandling of fraud situation by Chase with my Chase account, it was reported to the branch on XX/XX/2023 in person at about XXXX XXXX, my account was compromised by a XXXX group after responding to an e-mail ( Phishing e-mail ). Chase issued a wire transfer that afternoon for {$9000.00} to the scam, they had time to freeze the account prior to the issuing the wire transfer, this was never approved by me or my wife. The person who received the wire transfer was : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX, Arizona XXXX ew Chase denied the claim stating " We are denying your claim because during our review we found that you did not take the appropriate steps to protect your account from theft or unauthorized use. We will not reimburse your account. '' I have requested a copy of the claim file but was denied by Chase. 
Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account XXXX. This is a fraudulent account that is also violating the law! 
Under Section 15 USC 16811 ( 5 ) ( B ), if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. This account is not complete and accurate I have attached copy 's of my credit report showing that it is reporting definitely across all 3 credit bureaus I have attached my report to this complaint. This account was deleted from my credit report then re added with out any explanation!
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau Re : Complaint against LVNV Funding LLC Account Reference : XXXX I am writing to file a complaint against LVNV Funding LLC regarding their improper credit reporting practices of my Webbank/Fingerhut account. 
Description of Issue : I am experiencing ongoing issues with LVNV Funding LLC repeatedly reporting an account that has been closed multiple times. The account in question relates to a XXXX ( XXXX ) account, which shows the following closure dates : XXXX. First closure : XX/XX/XXXX XXXX. Second closure : XX/XX/XXXX Key Facts : Original creditor : Webbank/Fingerhut Account opened : XX/XX/XXXX Last payment made : XX/XX/XXXX Current balance : {$0.00} Payment status : No late payments ( XXXX for XX/XX/XXXX days late ) Specific Issues : XXXX. LVNV Funding continues to report this account as if it's a new account despite it being closed since XXXX XXXX. The company appears to be re-opening the same account annually, which is incorrect and potentially violates credit reporting regulations XXXX. The account has been verified as closed multiple times, yet continues to appear on my credit reports XXXX. This repeated reporting is negatively impacting my credit abilities and financial opportunities Previous Resolution Attempts : I have made multiple disputes through both XXXX and XXXX regarding this matter, but my disputes have been denied. Despite providing evidence of the account closure and multiple reporting discrepancies, the issue remains unresolved. 
Impact : This incorrect reporting has significantly affected my ability to : Obtain new credit Maintain an accurate credit history Trust in the accuracy of my credit report Requested Resolution : I request that LVNV Funding LLC : 1. Remove all duplicate entries of this account 2. Cease reporting this account as new or open 3. Correct the reporting to show the accurate closure date 4. Provide written confirmation of these corrections I am requesting the CFPB 's assistance in resolving this matter as previous attempts through credit bureaus have been unsuccessful. This situation appears to violate the Fair Credit Reporting Act 's requirement for accurate credit reporting. 
Contact Information for Referenced Companies : LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX WEBBANK/FINGERHUT XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I authorize the CFPB to contact LVNV Funding LLC on XXXX XXXX XXXX this matter. Below is additional documentation which is reported to the credit bureaus. 
Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was born in XX/XX/XXXX, making me XXXX was and still in high school when said loan was taken out in my name. XXXX, company name XXXX XXXX XXXX Ive contacted them on several occasions but to no avail. 

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was routinely checking my credit score on XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted XXXX  and Equifax to have the account removed. I have also contacted the company, XXXX, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting XXXX to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is XXXX.
Product: Mortgage

I had a bankruptcy XXXX in XXXX of XXXX discharging a first mortgage and second mortgage on my residence.The first mortgage payment has gone from XXXX to XXXX in the last 2 years and it is now XXXX am not paying the second that was XXXX in bankruptcy.I have been denied a modification by XXXX XXXXI was told upon the bankruptcy from the then second mortgage servicer to not worry about the loan because i would be ablew to obtain a discharge as the property was under XXXX XXXX originated both mortgages butr sold the XXXX to many servicers now it is being handled by XXXX XXXX XXXX are difficult and unresponsive, i have mad them offers for a lien release in the format that they requested and they are either ignored or answered with a number they know i cant comply XXXX second mortgagee had previously agreed to give me a discharge and are now reneging on the XXXX, All subsequent efforts to effectively buy the discharge results in them not hgetting back to XXXX though this is the same mortgage that had collection efforts made during my bankruptcy and even asked me to produce a " NOTICE OF NON REAFFIRMATION ''? 
I am being forced into foreclosure after having been given errant information by the mortgage servicer.XXXX
Product: Debt collection

Received a letter from the collection from XXXX XXXX who work at XXXX XXXX XXXX XXXX. The manager of the apartment already contact him telling that I am no in the contract lease but he didnt answer. I contact him 3 times asking for the name of his boss or manager he didnt give me the name. His answer was he doesnt know anything, he can no do anything instead he try to send me to a customer service when I said no I need the name of your boss he hang up the phone. Thanks to XXXX XXXX my credit score is down and I am in collection for within that I am no owe. I hope you guys can stop this kind of abusive and make this guy fired for be so unprofessional and disrespectful.