23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the ongoing dispute regarding these negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -TransUnion 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reached out to XXXX  and Equifax to dispute inaccurate information regarding my name, address and accounts on my credit report on XXXX XXXX and asked that they immediately send me the method of verification for these accounts. To this day, I have not received an answer from both XXXX and Equifax.
Product: Checking or savings account

I have left my employer and I am trying to close my HSA account with PNC Bank and transfer the assets to a HSA with XXXX XXXX. XXXX has spoken with PNC multiple times to confirm the address to send the Transfer of Assets ( TOA ) form to and has sent the TOA on multiple occasions. PNC continually claims that they haven't received any of the documentation from XXXX. I started this process in early XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Product: Money transfer, virtual currency, or money service

I was initially looking to purchase a XXXX XXXX XXXX as a present for my wife and I was able to find an affordably priced one through XXXX XXXX. I asked the seller if they would be able to accept payment through XXXX, which I know would be protected a little bit through their payment processing. He said that he is Currently having some issues with XXXX payments but we could try it. After that did not correctly process he advised that we could use cash app to be able to transfer half of the money so that way he could cover shipping and once he provides me a tracking number, then I can send the rest of the funds. 

I send {$130.00} through cash app and he advises that the package will be to me by Wednesday and I have been unable to get a hold of the gentleman since. 

I then create a dispute with my bank at XXXX XXXX XXXX XXXX in Michigan, and they advise me that due to cash app and me authorizing the transfer of funds that they are unable to do anything with their dispute process, and to reach out to the company cash app for resolution. 

I created a dispute with cash app, where they effectively tell me that there is nothing that they can do, and that their platform is only for sending money to known individuals. Their dispute process allows me to request a refund from the individual who took my money who has XXXX incentive to send it back and once the individual declined the refund cash app says that they tried to get their refund and theres nothing else they can do. 

I even tried to do a chat with two different individuals, who just kept providing me a copy and paste response that I need to resolve this matter outside of cash app and cash app doesnt have any policies or procedures to be able to protect consumers for product purchases.
Product: Checking or savings account

I discovered that my account had been debited, without my authorization, to pay my HELOC payment- in XX/XX/XXXX and XX/XX/XXXX. Truist debited my accout for {$1800.00} in each month. As a result, I have incurred overdraft fees in the amount of {$110.00} and am currently unable to feed my XXXX children and purchase gas required to go to work. 

In XX/XX/XXXX, I canceled recurring payments because I am experiencing a hardship. However, Truist continues to debit my checking account ending in XXXX, without my authorization. As a result, my checking account has gone into default causing an inconvenience, which includes the inability to use my check card to purchase needed items such as food, gas, water, and other living expenses for my XXXX children. Due to my hardship, I am currently working with Truist mortgage servicing division ( in which I canceled recurring mortgage payments and this request was honored by Truist ). Not sure why they wouldn't honor my cancelation request for the Truist HELOC. 

Due to the hardship, I need the funds that were debited in XXXX and XXXX to feed my children and ensure I have gas money to go to work. I spoke with a representative on Friday, XX/XX/XXXX and they assured me that Truist would refund the debited funds, within two business days, since I am in need of them to ensure my children are able to eat. Since the funds were not refunded, as promised, I spoke with a Supervisor tonight, XX/XX/XXXX and she indicated that Truist will not refund the debited funds from XXXX and XXXX. 

This is the second time Truist has done this to me during a time of hardship. The last time Truist debited my account, without my authorization was in XXXX. Please, see my previous complaint. 

I would like to ask if you could please assist me with receiving the unauthorized debited funds back from Truist. This practice is very deceptive, abusive, financialy cripling, and demoralizing.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX
Product: Credit reporting

i applied for a car loan and was denied for a report from equifax.i tried using the website but it was unable to deliver the file online so it wanted to transfer me to an agent which instead promptly hung up i tried this auto system 3 times and all were terminated by its auto service.no where does not give you an option for a real person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

XXXX XXXX XXXX is a XXXX traveler. I open active checking accounts internationally, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Briefly rested in the united states I was XXXX, and all my global international active checking accounts was stolen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX, XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX, XXXX XXXX, XXXX, & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX, Dated : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, Dated : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give permission to furnish this information on to my credit reports. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand the credit bureaus to produce a contract between them, I, and the consumer bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on credit reports. Despite my submission of clear evidence supporting inaccuracies, Experian has neither corrected nor removed the disputed items, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting systemic violations of the FCRA, including : Failing to forward consumer-provided evidence to furnishers during dispute investigations, as required under 15 U.S.C. 1681i ( a ) ( 2 ).

Accepting incomplete or unreliable responses from furnishers, in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.

Failing to provide consumers with proper notification of dispute outcomes, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

These issues align with my personal experience, where Experian has neglected its duty to perform a thorough reinvestigation of my disputes, as mandated by federal law. The companys failure to take appropriate corrective action has caused ongoing harm to my credit standing and violates my rights as a consumer under the FCRA.

I am requesting immediate corrective action to remove or rectify the disputed accounts and provide a detailed explanation of the investigation process, including any communication with data furnishers.

Experians failure to comply with its legal obligations has had significant financial consequences for me. If this matter is not resolved promptly, I will explore further legal remedies to ensure my rights are upheld.
Product: Credit reporting or other personal consumer reports

Statement says I have late payments but I do not. I closed the account prior. 
Closed account with highest balance of {$510.00} paid off 100 %, the missed payments are affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I went to XXXX Dealership in XXXX, just for a test drive ; I had a thought of buying and I asked to present a financial options ; First, they made us wait for 40 minutes ; They presented the offer ; I said thank you and said that I would come back. The manager came over ( XXXX ) and said that they have a great deal for me. They presented a discount and asked if I have a car to trade in. 

I did have a car to trade in but I didn't think of trading it at that moment. 
I gave out specifications as I remembered them, and they immediately stated that they will give us a high price for the vehicle. They DIDN'T SEE THE VEHICLE! They told me and my wife that they are willing to take a risk and if they lose ( trade-in value was estimated {$6500.00} ) then they will lose {$6500.00}. We told us that we are going to bring the vehicle and trade that in since I didn't remember specifications ( I have several cars, XXXX XXXX & XXXX ). 

I mentioned that I do not remember the vehicle specifications but they promised to take the car for a trade in value NO MATTER WHAT! 

Well, we got into a deal. Everything was great, up until the moment, they sent a girl with us to pick up the car that we were trading in. We already had the papers for the XXXX, we drove the XXXX Home but then got the papers for the trade in the car and that car they promised to take at their own risk no matter what, they Didn't accept the car. 

It results in getting us into a loan which at this point it doesn't exist because they didn't take our trade in the car. It results in tremendous credit score lose ( 54 points/ 3 hard inquiries ). XXXX TOLD me that their dealership is not doing HARD INQUIRES as other dealerships are doing. It was our MAIN CONCERN!  XXXX told us and reassured us multiple times that they ARE DIFFERENT and those inquire are not going to affect my credit score! IT WAS NOT TRUE! He did tell me that that loan won't affect my credit score that tremendously! 

The deal got withdrawn, my credit score fell That is completely unprofessional and completely false information given! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
Product: Vehicle loan or lease

Ally Financial received payment from XXXX XXXX on a GAP claim in the amount of {$6500.00} on XX/XX/2018. It took them two full weeks to process the payment. Since I had been making payments during the very extended claim process with XXXX XXXX. The payment of {$6500.00} resulted in an over payment of {$2100.00} on the loan which should have been refunded to me. I have confirmed with XXXX XXXX and they stated the payment made to Ally Financial was from the date of loss and any over payment should have been refunded to me by Ally. The overpayment has not been sent back to XXXX XXXX. I have made multiple calls to Ally Financial regarding this matter but still have not received the refund or even an explanation of why the funds do not show as a positive balance on the account.
Product: Checking or savings account

As of today, Thursday, XX/XX/2022 at XXXX, I called XXXXpital One Bank to dispute a certain transaction that caused my account to go into overdraft. I was told by the agent that his manager said there is nothing they can do but I just need to pay the negative balance. The way I set my account up from the very beginning was I opted out of Overdraft Protection in other words, I didn't want the bank to pay for any transaction if there is no money to cover the transaction. I have proof of this. I also set up text messaging to alert me when there is a transaction that shows how much the transaction was, what store, the amount now available in the account after the transaction and the date and time. On Tuesday, XX/XX/2022, I made an in store purchase at XXXX in the amount of {$50.00}, I have proof of this thru my text messages from Capital XXXX itself. It showed I had {$81.00} left in my account after this transaction. I made 2 more transactions after this date. So on Monday, XX/XX/2022, I receive notification that my account is in the negative of {$41.00}. But also on this same day, another company who is on autopay tries to get their payment and it rejects because of insufficient funds .Long story short, I had my account in Auto Decline. No transactions should have never went thru and leave me owing back to the bank.
Product: Debt collection

Opum ( XXXX XXXX ) harassing me all of a sudden after XXXX years without no billing notification, mail or email notification telling me I owe {$100.00} in medical bills. XX/XX/22 and XX/XX/22 Optum XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is unjust billing practices after XXXX years without notification that these debt collectors are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. I am filing a complaint, I would like this to stop.
Product: Payday loan, title loan, or personal loan

I took out a short term installment loan with CashNetUsa to facilitate a small emergency. I In order to avoid excessive fees, I attempted to pay the loan off early, by debit card, the day before the first installment payment was due. I chose " Pay off outstadning balance '' option and made the payment. However, their website is dilibertly decitful in making the customer think they paid off the then loan when in fact they didn't. The pay oustadnding balance ( which all consumers would agree means the total loan balance due ) is not the total loan balance due. They calculate the payment with the CAB fee, and do not include the full principal, so your actually left with one more payment PLUS interest PLUS another CAB fee, even though in the contract it specifically states that if you pay the loan off early you avoid other CAB fees. They are dilibertly misleading consumers by using the term " Pay Off Outstading Balance '' so that conumsers think they are paying off the loan early and saving on the CAB fee, when in fact they have a small principal amout left, which will incur more interest and another CAB fee. For example, I took out an installment loan for {$800.00}. The day before the final payment, I choose " Pay Off Outstading Balance Option '', and paid {$820.00}. When you make the payment, there is no breakdown on the screen that shows what portion is going toward Principal, Interest and CAB fee, its just one lump sum that is auto-populated by the system. After making the {$820.00} payment, my account still showed an ACH for {$150.00} due the next day. Thinking this was automaticly done by the system, I contacted CashNetUsa via their chat option, and requested the ACH be canccelled. They confirmed and cancelled the ACH. If I had not logged back into CashNetUsa, I would not have knonw that the account was not paid in full. Once I logged back onto the system, I saw the same amount of {$150.00} to be ACH drafted in two weeks. I contacted several different members via the chat option on the website to ask why I still owed a balance even though I picked " Pay Off Outstadning Balance '' option and paid with a debit card the day before my first payment was due. All the customer associates I spoke with repeated that I still owed {$150.00} but would not tell me why I owed this amount, even though I picked " Pay Off Outstanding Balance ''. Until I examied the reciept I recieved from email did I not realize that the " Pay Off Outstading Balance Option '' did not include the full principal and none of the customer asstiance associates explained this as well.This is a flat out deceptive practice aimed at generating more interest and CAB fees from Users.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap..GENERAL REV ( Original Creditor : 07 XXXX XXXX XXXX 2 ) XXXX