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

Subject : Urgent Report : Unexplained Credit Score Drop and Stolen Car Situation Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention a concerning situation involving Equifax and XXXX XXXX, and I seek your assistance in resolving the issues at hand. 

Recently, I received an alert from Equifax notifying me of an XXXX drop in my credit score. Upon further investigation, I discovered that Equifax removed my mortgage and installment accounts ' credit history, specifically my car loan with XXXX auto. This is perplexing, as my credit report is clean and in good standing, and I have been making timely payments. Strangely, my last payment was just last week. 

Adding to the complexity, I received a letter from XXXX XXXX congratulating my sister, who is the cosigner, for paying off the car loan. This is perplexing as well, as I am the sole owner of the car and have made all the payments, including the final one last week. The letter was addressed solely to my sister, and it mentioned sending her the title in the coming weeks. 

The situation is further complicated by the fact that my car was stolen on XX/XX/2023, by an individual named XXXX XXXX. The theft occurred at the XXXX, XXXX XXXX, XXXX XXXX employees ' private parking, and the police report number is XXXX. Despite providing all relevant information, both XXXX XXXX  and the XXXX Police Department have been uncooperative in helping recover my stolen car. 

I am deeply concerned that after reporting this discrepancy, Equifax may re-add the account to my credit history, adversely affecting my credit score. I urgently seek your intervention and assistance in resolving both the credit reporting issue and the lack of cooperation in recovering my stolen car. 

I appreciate your prompt attention to this matter and your assistance in rectifying these challenges. Thank you for your time and support.
Product: Checking or savings account

PNC bank keeps freezing my account for fraud when I have called and went in and said I made the transactions
Product: Debt collection

I went and saw Dr. XXXX XXXX on XX/XX/2017 and paid him {$270.00} I was not happy with services rendered and I was refunded my money How can they put something in collections when I paid them and they gave my money back this is not right
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an issue with a reinsertion of the XXXX  XXXX account on my credit report by EQUIFAX. I initially disputed this account, and it was successfully removed. However, on reviewing my credit report yesterday, I discovered that the account had been reinserted without any notification, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates that I should have been notified in writing within five business days of the reinsertion. This lack of compliance has caused unnecessary harm, impacting my credit standing and trust in the reporting process. I request the CFPB to intervene to ensure that this account is permanently removed from my report and that the bureau adheres strictly to notification requirements for any future changes. I also ask for appropriate oversight measures to prevent further violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-ACCOUNT- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account.
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. 

Account name : XXXX XXXX XXXX Account no. # XXXX Account name : XXXX XXXX XXXX Account no. # : XXXX Account name : XXXX & XXXX Account no. # : XXXX Account name : XXXX Account no. # : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : 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: Checking or savings account

On XX/XX/XXXX XXXX XXXXXXXX XXXX I attempted to deposit money in a Schools First Credit Union ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California. The ATM took my cash. It was in the midst of counting it and stated I had {$290.00} at that point, and then it said transaction was incomplete. I called my financial institution ( XXXX XXXX XXXX ) on the first business day possible, which was XX/XX/, and they stated they were able to see a deposit attempted, but it didn't show any money whatsoever. They issued me a conditional credit, but said that would possibly be reversed. I am certain I deposited that cash, and I need that money to pay my bills.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX ACC XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

I have also disputed this issue with the XXXX credit bureaus and they have stated they have investigated this but it seems they have not. I am requesting proof of the investigation and also proof of what was used to validate this late payment. I am also requesting the bank statement of the original creditor that is claiming I am late. I would like proof of the date they claim they received the payment. Unless there is a bank statement proving that the payment was actually late, from their bank, it is not LEGALLY verifiable and needs to be removed. 

They are ALSO stating that they investigated but there are old dates from XXXX showing, yet I disputed most recently in XXXX. 
transunion : XX/XX/23 XXXX : XX/XX/23 XXXX : XX/XX/23 Attached is XXXX payments made in XXXX, in the midst of which they claimed payments were late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX # XXXX, US DEPT ED # XXXX.
Product: Mortgage

I was told on two occasions my refinance was approved and a closing was imminent. The first occasion was XX/XX/2020, I received a call from a processor who advised me not to make my XXXX mortgage payment because those funds would be used at the closing. The closing never occurred and I received late fees once I made the payment. This happened again in XX/XX/2020 and then I was told my mortgage application had expired and I am no longer eligible for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I borrowed auto loan through XXXX XXXX XXXX since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call XXXX to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to XX/XX/XXXX credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, XXXX insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to XX/XX/XXXX regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.
Product: Student loan

I applied for the XXXX student loan pay pause refund on or around XX/XX/2022. At the time I was told I should receive check in around XXXX XXXX weeks time. 
I called again a few weeks later and was told that because of the amount of request, the time was pushed to XXXX weeks. I wasn't told if the refund was approved or not so I called back and told told that the refund was indeed approved. But the timeframe is still XXXX weeks. 
I called again a few weeks later because I received no updates. At this time I was told that my refund WOULD NOT be approved because of a case with XXXX XXXX XXXX XXXX I called XXXX XXXX and they told me that my case will not affect my refund. 
I called again and couldn't get anyone on the line to assist with a status. 
I called today ( XX/XX/2022 ) and told that my loan will NOT be received until XXXX weeks AFTER it is completed. 
I find this totally unacceptable. Everytime I call I get different information and everytime I call I get different reps providing different information or status updates. Now my refund is not scheduled until XXXX at the earliest. I planned bills and payments based on the timeframe in was given before. And now I feel I'm not getting accurate data from. Aidvantage.
Product: Checking or savings account

On XX/XX/XXXX I was on vacation in XXXX XXXX Florida, on XX/XX/XXXX I logged into my online banking and realized that there had been 26 fraudulent charges made on my wifes debit card. I immediately contacted my bank Truist formally known as BB & T/SunTrust to inform them that there had been 26 fraudulent charges made to XXXX using my wifes debit card, at that time I asked them to lock the card those charges were not made by my wife or me, Ive been asked how they could let 26 consecutive charges go through without contacting me to alert me or to ask me if these charges were fraudulent. I was informed by Truist fraud department that due to the merger happening that weekend and then switching all their systems that a lot of the fraud was not being detected, and XXXX XXXX I checked my online banking again and realized that there had been an additional 10 charges XXXX using my debit card fraudulently I again immediately contacted Truist to inform them that my debit card had been used fraudulently and they needed to lock it, I asked to submit a fraud report and was told that I could not submit a report until all the charges had cleared and were no longer pending, on XXXX to XX/XX/XXXX I contacted Truist again to make a formal fraud report for the 31 charges that were made to XXXX  using my debit card and my wifes debit card fraudulently, on XX/XX/XXXX to my bank account was credited {$2100.00} for the fraudulent activity that had taken place, on XX/XX/XXXX I received a letter from Truist stating that a thorough investigation had been conducted and completed and no errors were found and they would on XX/XX/XXXX to take back the {$2100.00} that belong to my wife and me that was fraudulently spent, I have called Truist several times and been placed on hold two and three hours at a time and passed from one person to another with absolutely zero results, I have been to the bank in person and worked with a banking specialist named XXXX at Truist Bank located in XXXX XXXX XXXX Virginia and also put on hold for three hours with absolutely zero results from the bank, I have contacted XXXX and when they passed me the fraudulent department I was past the truest and again on hold for two hours with no results, when I have gotten contact with the Truist fraud department I have asked them about the investigation and how 31 charges the XXXX were not detected and can not be construed as fraud, I was told that a lot of fraud happened between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX when truest was merging with SunTrust and BB & T, I have tried to work with the bank and have gotten zero results please help me in this matter. And this complaint I have sent the attachment of the statements showing all my claim for the fraudulent activity and also the letter that she was that me saying they are taking my money again.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX I made 2 instant transfers into my Venmo account. They totaled {$22.00}. On XX/XX/XXXX i attempted to transfer those funds to my bank account. I tried two different accounts and even tried my XXXX XXXX  account to no avail. I relented and decided to use the debit card Venmo issued. Went into a XXXX and attempted to make a {$14.00} purchase. The card declined. We attempted again, thinking it was an error and it was still declined. I called Venmos support and was told Id have to wait for an email from customer support. I explained to them that waiting for an email wasnt an option and that I needed my money now! They didnt give a XXXX. Im currently on hold awaiting a supervisor ( who I hope understands how illegal this is and removes the unwarranted freeze on my account ). They will not tell me what caused it to freeze and as I pointed out to them, nothing about the way I use the account has changed. Theyre literally stealing from their clientele in the middle of a recession and pandemic! This has to stop. A quick XXXX search shows that Im not the first they have done this to and I say they should be shut down for it. This country doesnt need scam companies. I want my money and I want them out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 20 different letters copy of my signature required service via UPS and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days.

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Product: Debt collection

Certified mail was received on XX/XX/2021 by ( debt collector ) requesting validation of debt.They responded with medical records, a Direct violation of HIPPA regulations.Not only did these documents have proedures and /or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed HIPAA form authorizing access to any such medical records.
Product: Debt collection

Equifax and XXXX  is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. I am a consumer and this is not a third party filing this report. I have attached several documents for your review. Please look over them carefully and see how the credit reporting agencies are violating my consumer rights by reporting inaccurate information on my report. Thank you.
Product: Debt collection

I SENT A LETTER REQUESTING VERIFICATION. ONLY RECIEVING PHONE CALLS
Product: Money transfer, virtual currency, or money service

XX/XX/year> my account was suspended when I tried to transfer my balance to my bank. This is MY only venmo account that Ive had for YEARS and Ive sent in the confirming documents to them but they wont release my account or give me my XXXX dollars back. 
Ive contacted them numerous times via message, email and call. Ive threatened to take action, and now I am filing a formal Complaint with many companies about this disgrace and dispicable behavior from a LARGE financial company. XXXX never do business with them again and will be warning everyone to keep their money out of venmo. I want my money back, as we have children and a vacation to go on for the XXXX of XXXX, we need groceries and gas. This is so much money and the company is making me wait for my own funds. It is not ethical to make someone wait for their own money.
Product: Vehicle loan or lease

My vehicle was deemed totalled XX/XX/XXXX. I sent the POA and other documents to XXXX XXXX XXXX  who forwarded the information to Kia Motors Finance on XX/XX/XXXX. Supposedly the documents were never received, so the letter of guarantee to actually close the loan was not issued. I was told multiple times before XX/XX/XXXX that the documents were received and the letter of guarantee had been sent. However, when I spoke to an agent on XX/XX/XXXX, I was told the documents had not actually been received. I requested for the insurance to resend and supposedly this was done on XX/XX/XXXX, which KMF verified when I've followed up. I was told the LOG would be sent in XXXX business days and as of today, XX/XX/XXXX, no LOG has been generated. I've called, as well as the insurance company, and each time, no one can provide an answer, but can only escalate the issue. I've requested information 4 times from the Total Loss department and received nothing in response. In the meantime, the loan is still open and I'm required to make payments that are hard to produce, especially considering that I have now had a new car for THREE months.
Product: Mortgage

I am writing to formally express my concern regarding the lack of response to my previous request for specific documents related to my homestead property. I have requested that Lakeview Loan Servicing , LLC provide the following documents, Despite my previous email request, I have not received these documents or a satisfactory response. I request that Lakeview Loan Servicing , LLC provide the requested documents promptly to allow me to review them thoroughly. I have not received any documentation or a response.
Product: Checking or savings account

I deposited a check of {$4000.00} on XX/XX/year>. The funds were available to me on XX/XX/XXXX. I have been getting the run around from different branches why i cant access my funds even though they show available to me. They say the check is invalid even though it has gone through and taken out of the account that was check was from. Then its, we cant verify your information. Then its just give it a few days to post even though it has fully posted. I called loss and provention customer service they said my funds are available and i have been to 5 different branches and spoken to the branch manager and they give me one of those reasons or others.