23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Ive called an disputed this an I keep coming back the same
Product: Checking or savings account

Chase bank is constant slow showing accurate account information and this has resulted in check fe es. Plus they have  an option to not allow debits if the money is not there and if the company represents itself as reoccurring they take it resulting in negative balance and will not block the transaction no matter what.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a matter of great importance regarding my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), I have yet to see a resolution to the discrepancies within my credit report. These issues are causing me significant distress and require immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never requested to freeze or extra security to my credit reports. And this is not the first time, I want this arbitraire move to stop.
Product: Checking or savings account

I have a current complaint XXXX pending their review. The company only sent {$400.00} as a credit. The past weekend I was out town with my son and had some deposits and holds. I specifically when getting the account did not get any over draft protection, if the funds are not available nothing should be charged or removed from my account. I attempting to contact them and they disconnected the chat. After telling the hotel places a hold on my account an excuse causing the negative. The funds should not been excepted if was not there and every transaction they send me an alert and deducted and I move funds around to make sure that amount is available. Now that the gave me something this more fraudulent attempt to take it back through fees. Why give offers if theyre going to be a con about it. I made account positive when the call dropped and reported to you. Because this is a game to them and this is personal to me.
Product: Credit card or prepaid card

XX/XX/XXXX {$100.00} charge .... XX/XX/XXXX charge provisional credit reversal {$100.00} ... .. XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$120.00} charge.. XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$100.00} charge provisional credit reversal ... XX/XX/XXXX charge provisional credit reversal {$100.00} ... XX/XX/XXXX {$100.00} provisional credit reversal. 
And theirs is more charges but this is as far I could go on my credit card website.
Product: Money transfer, virtual currency, or money service

I have placed an advance for my product camera which cost of XXXX XXXX XXXX and one of the customer from USA asked for the and she as send the address to which I need to send and once the product reached I will get my money like that she as informed me ... but now she is not responding and that bank people also not responding and they are asking extra money for transfer of amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained submitting numerous disputes to Experian in regards to accounts that were deleted and now reappearing, The accounts are obsolete and should have been off of the account many years. Experian deleted a few months ago and now reappearing. A representative claimed they weren't ever removed, which is false as I attached a copy of the credit report to support that the accounts had been deleted, now reappering. I spoke to someone name XXXX XXXX XXXX who indicated that that the accounts were never deleted and claims they were verified which is a way to cover up them putting them back on my credit report. I received an alert from an outside organization that there was a change to my Experian credit file two months later and I was mortified to see that the old collection accounts had been placed back on my credit file. The alert by my bank is how I discovered the 16 accounts were reinserted on my credit and when I disputed, within a day I received an email stating the dispute was finalized and it is impossible to complete an accurate investigation for a dispute in a day or so. I do not know this creditor XXXX but this collection agency is falsifying opening dates/payment history because I have not had any accounts opened in over 10 years and they have an opening date of XX/XX/2016, The company falsified information saying the account was opened in XX/XX/2016. I am attaching the credit report to show the creditor was not on my credit file then it reappears. I have attached verification requests letters that have been submitted to Experian and disregarded.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE ON MY CREDIT REPORT XXXX XXXX NEVADA ADDRESS AND I NEVER LIVED IN XXXX XXXX NEVADA.  I DO HAVE FAMILY IN XXXX XXXX NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA STATE ISSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL 3 XXXX  XXXX, TRANSUNION. THERE WAS A CHAPTER XXXX, VEHICLE, LOAN, REALTY COMPANY CHAPTER XXXX BANKPRUTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MY DEBT. NEVER LIVED IN XXXX XXXX NEVADA. PLEASE ASSIST
Product: Mortgage

On XX/XX/XXXX PennyMac USA paid the incorrect tax liability to the City of XXXX. They paid the amount of {$3600.00} when the total tax liability due was only {$1000.00} ; meaning a {$2600.00} refund was due. Upon learning of the error I called PennyMac in early XX/XX/XXXX. The representative and I spoke with the XXXX Revenue Department and it was confirmed that it was an error on PennyMac 's side. It was stated that PennyMac needed to request the funds and provide the cancelled check and the refund would be provided within 6-8 weeks. 

4 months later in XX/XX/XXXX the issue still had not been resolved. I called PennyMac again in XX/XX/XXXX. They did not follow through with the initial request so a second request was created. I followed up again on XX/XX/XXXX and this time spoke to a supervisor who could not provide any more information on why the refund process was not occurring or provide any timetable to rectify the issue. I also spoke with the XXXX Revenue Department on XX/XX/XXXX which outlined the simple process and stated they had no record of PennyMac requesting the refund. 

Now my mortgage is coming up for reassessment in XX/XX/XXXX and  with such a large negative balance in my escrow my monthly payments will likely increase. It 's unfair that I as the consumer have to take the burden of mistake made by mortgage holder.
Product: Vehicle loan or lease

I am a Licensed Used Car Dealer with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to XXXX the loan in which I new. I inquired about a XXXX XXXX truck, explained to him that my Transunion score was a XXXX and that I only had XXXX Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my Transunion Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my Transunion report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 45 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  have allowed XXXX XXXX XXXX to report inaccurate information. It has been brought to their attention but they continue to ignore this concern. The law requires information to be accurate and timely on credit reports and if it is not it must be removed. Even after their investigation, it does not match what the creditor claims. I had to start legal action in an effort to resolve this concern.
Product: Debt collection

The creditor Olympic Collections arrived at my home to give me a summons. When I refused to sign he gave the papers to my roommate and informed us that he will keep coming back. After checking with my county clerk I found out this summons was fake. It did not have a proper case number nor the county clerk 's information. It threatens lawsuit, court fees and garnishment if I do not pay an amount that was more than double the amount owed for " court fees ''. I 've enclosed these documents, as you can see they are dated for XX/XX/XXXX and XX/XX/XXXX. I 've received these on XX/XX/XXXX.
Product: Debt collection

I would like to be added to the lawsuit against Wells Fargo. I have since paid off the loan but I had extensive problems with them over charges, late fees they kept tacking on, dates payment was due that kept changing forcing me into owing late fees month after month I continually fought with their customer service over charges they kept adding to my account. 
I personally felt like I was a victim of extortion. 
My account with them : XXXX XXXX XXXX XXXX XXXX XXXX, WA. XXXX XXXX Acct # : XXXX XXXX XXXX XXXX
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00},
Product: Credit reporting or other personal consumer reports

15 USC 1681b Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

According to the FCRA you are in violation of my consumer rights. These accounts have been deleted from my account 3 times and now you are changing the account numbers. You had 5 days to send me a certified letter, saying these accounts was going back on my credit report. My card wasnt lost are stolen with XXXX XXXX. They changed the account number. Please send me a copy of the certified letter, with my name on it, with my address? I was unaware of these items would be placed back on my credit profile. I didnt have an opportunity to dispute the information. These accounts have been reinserted 3 times!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXX XXXX  account last year to help build my credit. XXXX as a company promised to help with a loan which you pay back to build credit of {$500.00}. you actually get a loan which is $ XXXX {$170.00}. i updated my payment option choice to there app and when it was time for the first payment to be withdrawn it never came out. i called customer service they said they would waive the fee and they updated the card and the one payment was forgiven the next month i added for an insta-loan, one of there other programs i told them to take both payments from the same card. XXXX XXXX  choice to take from a XXXX card to make my payment arrangements instead of the one i requested an they had Technical difficulties for 2 months on my payment dates. they told me my account was delinquent but i could pay to have it in good standing. i was frustrated and agreed and paid i called customer and asked why is this reporting to my credit as late an collection they said that the system has already placed me in collections before my payment took process. there are numerous reviews on Trusted websites about moneylion messing up peoples reporting i think there a company just collecting data an no real purpose of helping rebuild credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report involving Lexis Nexis. It has been over 30 days later I have not received a response yet. I feel like I am being wrongly treated, ignored of my disputes, as well as having my Privacy violated under 15 U.S. Code 16 81 ( A ) ( 4 ) due to the items being reported. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my lexis nexis/credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. There is a FTC report as well due to My information also being impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Student loan

I contacted National Recoveries when I first started new employment and entered into a loan repay program. All of the paperwork was submitted by email and fax. My name and address was to be corrected. The company did collect from my bank account the agreed upon amount for 8 of the 9 months. The repay program was for 9 months. The bank account had my correct address and name. The debt collector should have had this information corrected. I never received a notice that I needed to sign a new repay agreement. I was told after the repay program I could enter into a deferment. However, upon realizing the last payments at 9 months was not taken out of my bank account, I contacted National Recoveries. At this time I was told that they sent me a packet ( to the incorrect address and incorrect name ) and that I would need to reinter into a new agreement and pay another 9 months. I decided to let my lawyer handle this, as I quickly realized this company is a scam, and makes money off of keeping clients in debt rather than helping to get them out of default. The longer they keep you in their company and as a non payer, the more money they receive from the US Dept. of Edu. Fast forward to 2016 and my entire tax return is withheld due to this debt, that they continue to hold me under rather than letting me complete my repay agreement so I can enter into a default. As a single mother of XXXX children, working a state job, and receiving state benefits just to make it paycheck to paycheck this is a disgusting tactic employed by this company. I do not understand why the EDU continues to use them as a contractor.
Product: Money transfer, virtual currency, or money service

I had opened a PayPal account and was using it pretty often well I ended up messing up and violated the user terms and agreements so my account was permanently limited on XX/XX/2020 when I still have {$900.00} in that account and I was told that I can no longer use PayPal and any money I have in the account will be held for 180 days at which time I was supposed to get an email with instructions on how to withdrawal my money out it has been 11 months now almost a year and I have still not received any information on how or when I will be able to transfer my money out I've tried countless times to contact PayPal to receive any information or answers and haven't gotten any response
Product: Credit reporting or other personal consumer reports

AS A VICTIM OF IDENTITY THEFT I AM EXTREMELY OFFENDED. EQUIFAX HAS CONTINUOUSLY VIOLATED MY CONSUMER LAW RIGHT15 U.S.C 1681C-2, BY NOT REMOVING ITEMS FROM MY CREDIT REPORT AFTER RECEIVING ALL THE PROPER DOCUMENTATION AGAIN RECENTLY ON XX/XX/year>, INCLUDING MY IDENTITY THEFT REPORT FOR ACCOUNTS, 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 AS WELL AS A SLEW OF INQUIRES FROM 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 THEY HAVE ALSO CHOSE TO VIOLATE MY CONSUMER LAW RIGHT15 U.S.C. 1681c ( a ) ( 4 ) BY FURNISHING A COLLECTION THAT IS OLDER THAN 7 YEARS OLDXXXX XXXX XXXX ACCT # XXXX. TO ADD INSULT TO INJURY, EQUIFAX IS THE ONLY CREDIT BUREAU THAT FURNISHES THIS ACCOUNT. IN FACT, EQUIFAX IS THE ONLY ONE FURNISHING ALL OF THESE ACCOUNTS. AFTER BOTH XXXX AND XXXX HAD FINISHED THEIR INVESTIGATIONS, THEY RESPECTFULLY REMOVED THEM ALL. AFTER RECENTLY SPEAKING WITH EQUIFAX, I ASKED THEM WHY THEY HADN'T REMOVED THE ITEMS AND WHY THEY WERE VIOLATING MY RIGHTS. A MANAGER RESPONDED THAT THEY DO THINGS DIFFERENTLY THAN THE CONSUMER LAWS, AND WHEN I ASKED HER TO READ MY RIGHTS, SHE REFUSED TO DO SO PROBABLY BECAUSE SHE DIDN'T WANT TO IMPLICATE THE COMPANY TO SEEM ABOVE THE LAW AFTER SHE SAID THEIR COMPANY DOES THINGS DIFFERENTLY FROM THE LAW. THIS IMPLIES TO ME THAT EQUIFAX BELIEVES THEY ARE, IN FACT, ABOVE THE LAW, WHICH IS GROUNDS FOR A CIVIL LAW SUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX castellanos XXXX XXXX mdpa all XXXX XXXX XXXX ftc violations that was filed
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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

There is a bankruptcy ( Case # XXXX ) showing on my credit report with Transunion. I have submitted numerous disputes with no results. When the dispute was complete on each occasion, I was advised that they received their information from the public records source/reporter XXXX XXXX. I have contacted XXXX XXXX and also the courthouse that was said to have reported and was advised that there are no public records for me.I submitted all documentation received. I contacted Transunion and spoke with XXXX XXXX and was given a file number of XXXX. She advised that they did receive all documentation from the courthouse and XXXX XXXX and still refused to remove it with the previous disputes. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion a total of ( 5 ) written requests over the past year and a half to validate a Chapter XXXX Bankruptcy displaying under my credit file. The credit bureau responds to my requests with the same messages repeatedly by stating that the investigation was verified and reports accurately as to how it reflects with the US Federal Bankruptcy Court. Transunion does not send supporting documentation ( method of validation used - who validated and their contact information ). A general statement as a response to my inquiry does not validate such request. How was this vallidated? The US Bankruptcy Court does not validate with 3rd parties. 

1 ) TransUnion responded that the completed investigation was verified by the data furnisher 'USBK Court XXXX Florida ' and that they will NOT continue to re-investigate such requests from me. 2 ) I took it upon myself to send a letter to the USBK Court XXXX Florida and asked how such procedure information is validated with Credit Bureaus. The USBK Court House sent me a returned letter explaining that they DO NOT validate information with 3rd parties and have no jurisdiction over reporting agencies. TransUnion sends me the same automated / generic letter in response to my request to validate a Chapter XXXX BK. They continuously claim they will not re-investigate. How could they have claimed to validate such information with the USBK Court House when intern the USBK Court House does not validate such requests with reporting agencies. 

In reality, TransUnion never investigated such and completely ignored my repeated requests by sending out a generic letter saying it was verified by the Court House. I am attaching the letter sent to me from the USBK explaining how they do not validate information with 3rd parties such as Credit Reporting agencies. I am also including the letter sent to me from TransUnion.