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

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ 2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX  XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 2. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX All Banks- non specific Inquiry date : XX/XX/2020 2020
Product: Credit card or prepaid card

I have opened the Citi Double Cash Card on XX/XX/XXXX, I have waited for two weeks but nothing in the mail, so I called Citibank about the issue I have and they told me the card has been activated and has charges on the card. Here is the problem, I never receive the card, so those are the unauthorized charges. I filed the dispute and asked them to send me the new card, when I get the new card I activated it and set up the online account but I still see the unauthorized charges amount ( {$490.00} ) on my card. ( They didn't credit me back ) So I called them again about the issue and they said the team is still investigating the case. However, on XX/XX/XXXX I received a letter from Citibank about the case and they said they concluded the investigation and it wasn't enough to support my claim. I have waited and called them so many times after the first call, but still nothing is solved.
Product: Credit reporting

I used the annualcreditreport website to request all XXXX credit reports. Experian rejected my request, even though I had all my banking information in front of me and accurately responded to the security questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX. I had to pay my first lease payment when I leased the vehicle. XXXX XXXX is stating they are reporting all payments to all major credit bureaus. When I got my annual credit report this year, I noticed my first car payment was not reported on my TransUnion Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with XXXX XXXX XXXX, who sent me a history report that shows a first payment was made of {$320.00}. In XXXX I disputed the inaccuracies with TransUnion Credit Reporting Agency and with XXXX. I received my TransUnion Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe XXXX XXXX more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to XXXX XXXX XXXX on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. TransUnion placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit fil
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item, because it doesnt belong to me and, I asked for verification, and they were unable to provide that information, so I was sent a status update, saying it was deleted but, its still there and they are failing to do what they said they did or going to do
Product: Money transfer, virtual currency, or money service

We were defrauded by an entity posing as the Small Business Administration SBA.

By the time we realized we had been scammed, we had made 3 payments to this entity from our Chase business bank account over a 3 month period.. Chase claims they are not responsible for restoring these funds to our account, as we authorized their disbursement. We were scammed, so approved their disbursement under false pretenses. This does not qualify as " approval ''.
Product: Mortgage

Pennymac regularly sends advertising emails about refinancing opportunities. In it it states that it will give a .05 % point credit in addition to a {$1100.00} credit towards closing costs. When I started the process with them, I referenced this add specificially as a motivator to pursuing a refinance. They started the process and did not inform me that this is only for purchasing a new loan, not a refinance as the advertisement states. I started the process and spent {$450.00} on an appraiser, get to the end of the process, and was informed that this was not applicable to me. Later, I went through a process of trying get my PMI waived due to the amount of equity in my home. They told me they would not start the process unless I paid {$100.00} for an appraiser. I asked a lot of questions feeling mislead by my previous experiences with the refinance, and they assured me this was to appraise my home and send someone out to take a look. They never sent someone out and sent me a letter saying that they would not waive the PMI. I paid for a service and I did not receive it.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check from the Treasury Department for {$9900.00}. On XX/XX/XXXX at XXXX the funds were available in the account. Since they were available I made a XXXX payment to XXXX XXXX to pay for a XXXX I am having for {$2000.00}. Before the check I deposited my balance was around {$1400.00}. At XXXX the bank put a XXXX alert on the check I deposited withdrawing the {$9900.00} from my account. Because of the XXXX payment I had made in the morning the account got overdraft for {$550.00} and change. I called them, I went to the branch and they said there is nothing they could do despite that they were able to verify that I work for the Federal Government and that the money was a loan from my XXXX retirement fund. They said that the hold could last between 1 day to 8 days without any warranty. They left me with absolutely no money to live until my next paycheck on XX/XX/XXXX because of what they did. They do not take responsibility of what they did. Till today they money isnt available. I had to borrow money from a friend until this is resolved if its ever resolved. I havent been able to pay for my XXXX with the loan I took for it and Im at risk of having my XXXX canceled and loose the flight and hotel reservation because of this unfair hold placed on my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, and Equifax continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous of unauthorized inquiries on my TransUnion credit report. I sent letters to Transunion dated, XXXX XXXX XX/XX/2021, and XX/XX/2021. I NEVER received a reply to any of the letters. I contacted TransUnion on XX/XX/2021 and spoke with XXXX XXXX, Supervisor in special handling, who advised she does not see any of my letters. I confirmed the addresses I mailed them to, she advised the address was not the issue. She advised if they feel a letter is from a credit repair agency they will not process them. Well, I explained to her I AM NOT a credit repair agency I am my self and I have unauthorized inquiries on my credit report and they are refusing to reply to me. She advised there is nothing she can do because they deem they don't have to. I truly think that's against my consumer rights. How can you just choose not to process my request. From my understanding accourding to consumer laws they have 30-45 days to respond to me and they have yet to respond
Product: Debt collection

Wakefield and associates is a debt collection that agency that receives Medical debt out of XXXX, CO. When you call to make a payment they offer to charge your bank account for free or to charge your credit card for {$5.00}. With this being a medical debt it should be made as easy as possible to pay and charging XXXX dollars extra every time is outrageous. It 's gouging consumers who may already be having a hard time.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been imposed in error and would like to appeal this decision. 

First and foremost, I want to emphasize that I have always been a conscientious and compliant PayPal user. To the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. The sudden and permanent limitation of my account has not only caused significant inconvenience but also raised concerns about the security and fairness of PayPal 's review process. 

I kindly request that PayPal re-investigates my case thoroughly, taking into consideration any possible errors or misunderstandings that may have led to this limitation. If there are specific concerns or issues that need to be addressed, I am more than willing to cooperate and provide any necessary information to resolve this matter promptly. 

My primary goal is to restore access to my PayPal account so that I can continue to use your services for my financial transactions. I have always valued the convenience and security that PayPal offers, and I believe that this situation can be resolved to the benefit of both parties. 

I understand that PayPal takes matters of account security and policy compliance seriously, and I share that commitment. I kindly request that you review my account once again and, if possible, consider reinstating it. I believe that a fair and careful review will demonstrate that I am a responsible and compliant user of PayPal services. 

Thank you for your attention to this matter. I look forward to a prompt response and resolution of this issue. Please do not hesitate to contact me at XXXX should you require any further information or clarification.
Product: Debt collection

I trust this letter finds you well. I am writing to address a concern regarding my credit report, specifically concerning late payments associated with XXXX ( Account : XXXX ).
Product: Mortgage

I received Shellpoint package of letters stating that they were correct in reporting my XXXX payment was late. What was missing was Shellpoint letter from XXXXXXXX XXXX XXXX clarifying that Shellpoint is my loan servicer. 

The notice I received from XXXX XXXX XXXX stated XXXX XXXX is my loan server NOT SHELLPOINT ( See attached ). I paid XXXX XXXX as directed by XXXX the XXXX mortgage payment. 

In XXXX Shellpoint said that they were the loan servicing company not XXXX XXXX. I took their word for it and paid the XXXX XXXX XXXX XXXX Payment noting to Shellpoint I Paid XXXX XXXX for XXXX. 

Shellpoint took two months to get the XXXX XXXX XXXX payment to be returned to Shellpoint on XX/XX/XXXX. As a result Shellpoint delays and not accpting XXXXXXXX XXXX XXXX instructions seriously ruined my credit by reporting me late for the XXXX payment. 

My complaint ; I still do not have proof that Shellpoint reached out to XXXXXXXX XXXX XXXX to correct their instructions that XXXX XXXX is my loan server, not Shellpoint. Shellpoint had no right to the XXXX payment as XXXX ( see attached ) clearly states for me pay XXXX XXXX the XXXX payment. 

Shellpoint said they sent me a welcome letter, which I told them I never received. If I did, I would not have reached out to XXXX to ask who is my new loan servicing company. 

Shellpoint customer loan service does not take calls or ever called me. Shellpoint or XXXX XXXX XXXX never told me or stated that Shellpoint was my loan server for the XX/XX/XXXX payment ... ... .Only XXXX  stated that XXXX XXXX XXXX my loan server on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  bankruptcy XXXX  XXXX reference account # 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 with my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI
Product: Checking or savings account

I had opened an account with TD Bank ( account # XXXX ) as a way of teaching my XXXX XXXX XXXX daughter about banking. All of her chore money went into this account and, if she decided she wanted to make a purchase, I would either write a check or use the debit card. I thought it was important for her to learn the value of a banking relationship and the importance of safeguarding her funds by using a bank. Unfortunately, this experience has only taught her that banks are not to be trusted and that her money is better kept under the mattress than with a banking institution. Due to a medical issue, I am catching up on mail communication and I notice that TD has halved the balance in my daughter 's account due to a {$15.00} " Maintenance Fee '' along with a {$1.00} " Paper Statement Fee. '' Aside from never having received any disclosure regarding these fees at account opening, there is very little activity on this account. My daughter 's transaction are few ( she's XXXX and doesn't deposit or withdraw much ). In addition, all of my other accounts are managed online so, had I been advised of a paper statement fee, I would have gladly signed up for online access. It seems as if TD is looking to completely deplete all the funds my daughter worked so hard for with their fees. I suspect that, when this happens, they will continue to add fees until the account goes negative at which time they will likely send me a bill. Unacceptable. Customer service at the bank is horrible and only corroborates that said fees are " valid '' despite my not being made aware of them when the account was opened. 

I am fully prepared to contact the local media. I'm sure the residents of the State of CT ( and perhaps, elsewhere ) would love to hear that TD Bank took every cent of a XXXX XXXX XXXX girl 's money. Money which she, by the way, worked for by helping neighbors shovel snow, rake leaves, etc. This is unconscionable.
Product: Credit reporting or other personal consumer reports

I applied to an apartment on XX/XX/XXXX and I was notified I have a balance on an apartment from XXXX. I was never a signed leaseholder on this apartment to start off with. Also, the apartment has a XXXX balance and should not be showing on my report. I filed a dispute two weeks ago and still have not heard anything back. Not to mention, they did not supply my with a copy of adverse action. I called the apartment and they let me know this should not be on my report at all and they are not sure why it is.
Product: Bank account or service

I submitted a claim for unauthorized charges on my debit card. At the time I was in XXXX. The rep requested information regarding the where about of my debit card wallet etc. I advised her that due to the fact XXXX I sent my personal belongings home with my sister to ensure that they were safe. In addition I advised her that my pin number was written on an identification card for my bank accounts but not stating for which account it was for. I was under the impression that XXXX my sisters many friends took my wallet due to him not being around for few days after however later learned that he did not in fact take it and my sister must have left my bag in her car at home and It was taken. I called and spoke with a supervisor and she advised since I had given my pin to someone or allowed my XXXX son to see me using my pin I am somehow responsible for charges that someone made without my approval, and it was not anyone that I knew personally. They refuse to re-open and investigate look at ATM Cams or surveillance. How am I to feel protected against fraud and misuse of my card when the bank will not protect me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : XXXX is reporting no late payments, Experian is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and XXXX is reporting no late payments, XXXX : XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, Experian is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian is reporting an opened date of XX/XX/XXXX and XXXX is not reporting this account, XXXX  Account Number XXXX XXXX and XXXX is not reporting this account, Experian is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I have 2 accounts showing with XXXX XXXX. One inactive, one active. The balance of the inactive account is {$350.00}, but the account closed with the balance. I requested a new/transfer account at my current address. XXXX XXXX started services via online, but requested the previous account balance through my deposit ( {$350.00} ), which is no issue. But XXXX XXXX wants me to pay {$350.00} twice for the active and inactive account. My deposit would have never been the exact amount that I owe from my previous account ( {$350.00} ), if I didn't owe XXXX XXXX. Deposits are based on credit and payment history. There's nothing wrong with my credit, so the deposit was based on my payment history. And the {$350.00} is the payment history. The inactive account has been reported to the collections, but the active account is still open waiting for the {$350.00} to be paid + my current monthly bill. One rep told me the deposit just so happened to be the same as my previous account balance. DUH! If XXXX is basing deposits on my payment history, then of course my deposit is showing as {$350.00} that was left unpaid on the other account. She then went on to tell me theyre systems didnt communicate to each other, so the accounts was split instead of transferred. But, XXXX isn't trying to settle my accounts, transfer them, or combine them. I put my request online to TRANSFER my services, but their system didn't TRANSFER my accounts. Instead, it opened a new account and has me facing two different balances. The reps on the phone are horrible, I spoke to at least 4-5 different people who all had different answers. They were very careless and refused to investigate and determine the root cause of this issue. Their answers were " oh well, you still have to pay the balance, oh well the system didn't transfer your accounts, it's not a deposit, one rep told me it is my deposit and it has to be paid. There was another rep who was a little helpful- she mentioned this has been happening a lot and they havent yet found a resolution. As of now, customers are overpaying until XXXX finds the root cause. 

Helvey & associates is the collections company thats incorrectly reporting this information.