23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Product: Money transfer, virtual currency, or money service

Wire transfer completed on XX/XX/XXXX from my local bank for {$12000.00} to Coinbase, INC. Coinbase says wires are posted to your account the SAME DAY day if received by XXXX EST, they received my wire at XXXX EST on XX/XX/XXXX. The wire as of today XX/XX/XXXX the funds have not been credit to my Coinbase account. I have emailed the company multiple times only to receive generic responses that do not resolve my lost wire. 

XX/XX/XXXX - I emailed XXXX to say my wire has not been posted. Coinbase responses on XX/XX/XXXX with a generic mass message saying it could take XXXX days from the when the wire was completed ( already over 20 days received ) and have me a link to case # XXXX which says it was specific to my case status but the link takes me to a their general FAQ page. I responded on XX/XX/XXXX to this email asking them to reverse the wire immediately and attached the wire confirmation information my local bank provides to me. No response as of XX/XX/XXXX. 

XX/XX/XXXX - I emailed XXXX asking where my funds are, they sent back a mass response generic message saying it could take several days and if I the wire was not posted in 2 business days reply with case # XXXX. They also gave me a link to follow up on the case but it goes to the general FAQ page, not my specific case. 

XX/XX/XXXX - I relied to XXXX to say my funds were still not in my account. With no response. 

XX/XX/XXXX - Replied again to XXXX saying the funds have not been posted. No reply from company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX,
Product: Debt collection

A collection agency, for an amount I have no knowledge of and never had knowledge of, fraudulently inserted a derogatory notation in an attempt to extort money. I called the underlying entity the collection agency claimed the debt to be from and they have no knowledge of debt in my name. At any rate, I was never notified of a debt nor was I ever given a chance to review it - which is a requirement of law. The actions by the collection agency are extremely illegal. 

The collection agency must remove any derogatory information from my file, otherwise I will sue them in federal court.
Product: Credit card or prepaid card

I opened my first Chase credit card on XX/XX/XXXX. Since then I have opened and closed more cards with chase. I have always payed my cards in full every month and have never been late on a single payment. I have been a customer since XX/XX/XXXX with my chase checking account and have never had a negative balance, I also financed my car with chase and fully paid it off. I took some time off from getting new chase credit cards, however on XX/XX/XXXX I opened up a business card and was instantly approved. I opened another on XX/XX/XXXX, two more in XX/XX/XXXX, and most recently two in XX/XX/XXXX. I was approved for all of them. Some were approved automatically and others I had to speak with the lending team and shift credit from opened accounts to be able to open the new card. The reason I opened all these cards is because I travel a lot and like to maximize all my rewards. I never once carried a balance or had a late payment. Suddenly on XX/XX/XXXX Chase closed all my credit cards and sent me individual letters for each stating " too many accounts opened recently '' and " too many requests for credit or/reviews of credit ''. I reached out to Chase and they said the decision was final. As a customer since XX/XX/XXXX I felt this was extremely unfair. If they have an issue with opening all these cards they should simply have rules in place to not allow me to open them. I even offered to close some, or reduce my credit limit but they decided not to keep even one opened. They charged me annual fees on these cards which I have paid and still closed all my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is XXXX, XXXX Experian. They are putting a name on my credit report that's not mine. My name is XXXX XXXX, not XXXX XXXX. They're saying that XXXX XXXX is accurate. That's not my name. I sent them my Driver 's license with my name on it. That's identifying me. But they're refusing to correct it. I want it to be Immediately removed and corrected on my credit report. I want my true name on my report and no other name that's not mine. I also want to be compensated for this dispute. Because I'm trying to get a mortgage and it's causing me problems to do so. I want to be compensated {$1000.00} for there disregard of my credit report and my name.
Product: Debt collection

I have no knowledge about this account, I try to get information on it but I was unable to get it i been trying to resolve this cus in 2024 is when I am working and have XXXX credit card but before I didnt it thats why I have no knowledge of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

-The original conversation with Transunion was initiated to remove an inaccurate inquiry on my credit report. 

-Transunion stated I was to contact the company ( XXXXXXXX XXXX XXXX XXXX reached out to XXXXXXXX XXXX and advised them of the concern and inaccuracy, mistaken or fraudulent inquiry of my credit account. 

-After a 23-minute call to them, reaching a live person and giving my full name and the last 4 of my SSN. I was advised that I don't have an acct with them nor do they have any inquiries pertaining to my information provided. 

- XXXX XXXX  advised me to contact Transunion again to dispute and challenge the inaccurate information. 

-Additional call to TransUnion was conducted and I was advised the second time after exspressing my prior conversation with XXXXXXXX XXXX with them, to call CFPB to file a complaint. 

-now I'm filing a complaint and would appreciate the removal of the inaccurate inquiry of my credit report. on XX/XX/2022. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$870.00} XXXX XXXX BALANCED {$470.00}
Product: Bank account or service

Paypal limited my account on XXXX XXXX, and would hold my cash balance of {$2700.00} for 180 days. And I was told this action was not appeable.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Bankruptcy Filed in Error Dear Transunion I am writing to formally dispute the bankruptcy listed on my credit report under. This bankruptcy was filed in error and does not accurately reflect my financial history. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the inaccurate information from my credit report. 

Legal Basis for Removal 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation of disputed items. As this bankruptcy was filed in error, its inclusion on my credit report constitutes an inaccurate entry. 


2. Case Law XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) : In this case, the court emphasized the importance of maintaining accuracy in credit reporting. Erroneous reporting of a bankruptcy is a violation of this standard. 


XXXX. FCRA, 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy of the information they report. The erroneous listing of this bankruptcy fails to meet this requirement. 



I have attached documentation supporting my claim, including [ list any documents, e.g., court orders, correspondence with the court, or other evidence proving the error ]. Please conduct a thorough investigation and provide me with a written response detailing your findings. 

Additionally, I request that you provide the source of the bankruptcy information and the method by which it was verified. If you can not verify the accuracy of this information, I expect it to be promptly deleted as required by law. 

Failure to address this matter within the 30-day timeframe established by the FCRA may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your reply and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

this problem is with ocwen loan servicing ... .they somehow have taken my morgage from a XXXX escrow overage to now my payments are late and i am now {$7000.00} behind..i contacted you previously but nothing was done.
Product: Checking or savings account

Ally case number : XXXX Short version : Ally has locked all my accounts. I can not access any funds in order to open a new account and move my direct deposits over, including XXXX. XXXX payments, tax refunds, 457 distributions, etc. 

Long version : My mother died and I received a check from the estate ( {$12000.00} ). I deposited this check on XXXX to Ally money market savings. The issuing bank had bad contact info for my sister ( the sender ), and marked it RETURN TO MAKER on XX/XX/year>. 

The pending deposit was removed from my Ally account and my sister and her bank worked out the communication issues. *NOTE : I did not access or attempt to access the funds after deposit. * After she and her bank got on the same page again my sister asked me to redeposit. I did so on XXXX XXXX. Ally 's app would not accept it saying it had already deposited. I contacted Ally chat support ( I have the emailed transcript ) and was told by rep Mahogany I could e-deposit a replacement check or send in the original for consideraton of redeposit by mail to XXXX XXXX XXXX, XXXX, PA XXXX. I sent it on XX/XX/XXXX, ( incorrectly ) believing that would be simpler. 

On XX/XX/XXXX I received text and email notice that my access and accounts were frozen due to " suspicious activity ''. Both my accounts have been locked since then and I have bills due that I can not pay without access to at least the uninvolved account. Ally is unable to provide a timeline for resolution. 

The sender has cut a replacement check which I will deposit into whatever accounts I have access to.
Product: Checking or savings account

PenFed ( Pentagon Federal ) Credit Union keeps transferring money back from my checking account to my savings account so that every single time I do a bill pay, the check that is supposed to go to the payee ends up BOUNCING!

They are not ONLY defrauding me, but had been engaging in systematically harassing me through these fraudulent transactions where they bounce checks that I issue from my checking account through bill pay ON PURPOSE.

Before I do any bill pay, I MAKE SURE that I have enough money from my checking account to cover the amount of check I am writing.

As soon as I have issued a bill pay check from my check account, PenFed EITHER closes my checking account OR transfers the money back from my checking account to my savings account WITHOUT MY CONSENT AND KNOWLEDGE!

This has happened TWICE already, and they are doing this to force me to close my accounts with them, not to mention contributing to my unnecessary stress and greatly affecting my state of mind.

Thus, PenFed is committing fraud on my behalf by intentionally and knowingly making it look like I am bouncing checks when I AM NOT, not to mention cruelly and consistently harassing me.

They are also prolonging transactions on purpose so that they can control how long I keep my accounts open instead of me doing that!

There was also a time that one of the member representatives told us ( family member and I ) over the phone that we would have to go back to Texas to deal with this account in a satisfactory manner.

No travel to where the account was opened, no satisfactory resolution was what this PenFed employee indicated.

That sounds like EXTORTION using interstate communication to me!
Product: Vehicle loan or lease

I have reached the end of my loan with Santander consumer usa and they say I still owe more than XXXX. And they never applied XXXX XXXX to the principal payment that I know of on at least 26 months of paymens probably more because I have been locked out of the account. I thought I would qualify for the Mutli state settlement with Santander and the 34 states but Santander tells me I am not. I need some help
Product: Checking or savings account

On XX/XX/2020, TD Bank blocked my online access. The security procedures of the bank malfunctioned. The only possible avenue to resolve this was over the telephone - not email, chat or some other method. I spent over 5 hours waiting on the telephone for someone to answer. I requested that my account access be restored and a  method be implemented to resolve this in the future. The TD employee terminated the call without warning. At the moment, solely due to TD 's negligence and malfeasance, I can not access my money. All of their branches are closed.
Product: Debt collection

The company involved ( Navient ) has repeatedly called, my work phone, home phone and cell phone regarding a private student loan that I may have co-signed for, however the private student loans have reached the Michigan statute of limitations. The loan periods originated in XXXX through XXXX and have been accruing interest and is now over {$100000.00}. They are reporting these on my credit report which is damaging my credit score. They have threatened to report the loans in default and attempt further collection actions on these old debts. I have never had any communication directly with this creditor. Additionally, the primary borrower and myself has previously filed for bankruptcy protection and as we understand, these debts should have been closed and removed from record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Acc # XXXX I have been disputing this account for over a year and i have ask for verification of this account they send me nothing back not a contract nothing from that specific bank always come back as verified and nothing else my last letter Ive ask for a fair investigation about the account or else i was going to file a complaint i got the same response account verified they dont tell me how its verified or send me nothing back a contract something with my signature on it
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX IN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting

XXXX XXXX XXXX is a collection account that was reporting to all XXXX bureaus and when I disputed the account and requested documentation, XXXX XXXX XXXX claimed they sent the debt back to the hospital and requested for it to be removed from all XXXX bureaus. However its still reporting on Equifax credit file and I 've disputed this account on number occasions. XXXX XXXX XXXX states they have already requested for it to be removed and Equifax has not removed it.
Product: Debt collection

Went to a dealership where they gave false information to the lender, than gave me a faulty car back in XX/XX/2021 with Professional Finance
Product: Credit card or prepaid card

on XX/XX/2018, I went to PC Richard and purchased a XXXX Dryer for my home using a PC Richards credit card. One of the staff members took the dryer to my home that day using a hand-truck and told me I just had to give him {$30.00}. When I arrived home my husband informed me that our dryer was working, when he went to remove the old dryer he noticed it was unplugged. I went back to PC RICHARDS and found the same gentlemen who brought my machine and informed him that the one at home was working and asked him to return the new one. He did and to my knowledge that was the end of that. 

I applied for the credit card that same day when I was offered a discount if I did. The address on my state ID was outdated it appears, I called Synchrony to tell them about the issue and they stated the ID on file had my previous XXXX address so I am assuming that they sent the billing information there as well. Since I returned the Dryer I believed that was why I never received a bill. This account is now in collections with XXXX and impacting my credit.
Product: Credit reporting or other personal consumer reports

I was advised to make this complaint for the investigator to see Experian and XXXX responses to me and Florida 's Attorney General office, and for both companies to respond back to CFPB. 

Both companies informed me that they were unable to verify the information and declined my request. It was advised that I include the successful outcomes of XXXX and other specialty credit reporting agencies that adhered to the law. XXXX and Experian are the only agencies with which I am experiencing issues and delays. Despite being advised by CFPB to comply with the law in XX/XX/year>, it appears that both companies are still engaging in negligence. I have been denied housing since XX/XX/year>, and I am unable to rebuild my life successfully. The majority of my monthly income has been allocated to hotel expenses, which is further impeding my ability to achieve financial stability. 

The law clearly states that Experian and XXXX can not question the validity of trafficking documentation establishing that I'm a victim of XXXX XXXX, which is attached to this complaint. I did not authorize the release of any of my information from healthcare facilities, nor will I ever authorize such release to a credit reporting agency. Experian and XXXX continued dissemination of sensitive information has put my life in great danger because I believe that I can be found again due to their actions. They are attempting to verify information with anyone who answers the phone, and I do not know to the extent that they have gone to discredit my XXXX situation. 

Due to me being homeless and not able to secure housing, my mental health has plummeted to an all-time low. Experian and XXXX have subjected me to the same feeling of hopelessness and defeat that I once experienced while I was being XXXX.
Product: Money transfer, virtual currency, or money service

I closed my Coinbase account a few weeks ago and asked to have a check cut and mailed to my residential address, which they have on file. That did not happen so I opened a second support case, asking again, please cut a check and mail to my address. Not only did I not get a response to either customer support case, the second case was apparently erased from their records. The amount of money involved is relatively small. However, I had also asked them to delete all information about me in their DB as they appear to be a very amateurish operation. - scary for a " financial institution ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX XXXX XXXX  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX