23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 someone walked into a XXXX XXXX, XXXX branch of XXXX XXXX and transferred money from my bank account, in the amount of {$1500.00}, using Western Union to someone named XXXX XXXX in XXXX. I was in XXXX  on XXXX vacation at the time and found out about this upon returning to XXXX XXXX where I reside. When I found this out, I called my bank who told me I had to go to my local branch in XXXX XXXX, XXXX to file a dispute. I went to the bank and was told that I had to file a dispute directly with Western Union to get my money back. I filed a case with Western Union 's Fraud department. The case is # XXXX. I reached out to Western Union who then told me to get a refund I needed to file a police report with the XXXX XXXX Police Department. So I filed a police report and sent it with the case number to Western Union at XXXX. I have called them every day for over 30 days expecting some sort of answer. I called them tonight and now they are saying that despite my calling them they are not able to refund my money which was fraudulently taken out of my bank account and money I desperately need. Can someone please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit card or prepaid card

The Commerce Bank website has all of my current contact information but my e-statements continue to go to an old email address I no longer actively use. I have tried contacting them online multiple times to resolve this issue but they are unwilling to acknowledge that they are sending the statements to the wrong address. 

As I am writing this XX/XX/2022, I have been on hold for XXXX minutes waiting to speak with someone to resolve this issue.
Product: Vehicle loan or lease

I purchased a vehicle from US auto sale, and they went out of business. The car was turn off and repossessed. They sold the debt to Westlake, and now Westlake is saying, I owe the debt to them that US auto sales sold them, and I do not have possession of the vehicle.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to properly investigate and remove inaccurate and unverifiable collection accounts from my credit report. Despite multiple dispute letters, TransUnion has failed to provide verification or remove these accounts, violating the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA : 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy in my credit report.

15 USC 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within 30 days.

15 USC 1681s-2 Furnishers failed to verify or correct inaccurate information.

15 USC 1681i ( 5 ) ( B ) ( i ) Reinserted accounts without notifying me within XXXX business days. 
Disputed Collection Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$940.00} Date Opened : XX/XX/XXXX Violation : Inclusion of obsolete/inaccurate information. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account Number : XXXX Balance : {$530.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. 
XXXX, XXXX ( Original Creditor : XXXX XXXX Apartments ) Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Violation : Failure to conduct a proper investigation. 
Impact of XXXX XXXX : XXXX failure to remove inaccurate and unverifiable accounts has significantly impacted my credit score, financial well-being, and ability to obtain housing, loans, and employment opportunities.

Additional Legal Violation : {$1000.00} Fine for False Information TransUnion is also in violation of 15 USC 1681n, which states that any consumer reporting agency that willfully fails to comply with the Fair Credit Reporting Act ( FCRA ) is liable for : Actual damages or statutory damages of up to {$1000.00} per violation Punitive damages as determined by the court Attorney fees and court costs By knowingly reporting false, inaccurate, or unverifiable information on my credit report, TransUnion has willfully violated the FCRA, and I reserve the right to pursue legal action to seek compensation for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never provided a notice to use for Experian to use personal information or report my consumer credit profile FCRA 15 USC 1681 a ( 4 ) ... .. FDCPA 15 USC 1692 a, nor have I ever gave written or expressed consent for the alleged creditor to sell any account and provide personal information to XXXX XXXXXXXX for {$130.00}, also have not seen a contract doing consumer transactions with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account was closed. Did not contact me on the fact there as a interest payment in this account so was closed and they keep reporting to agency as past due and was not. I was not informed via nothing letting me know of it being late credit companies did not investigate properly or this would still not be on my report. Hence violated my right under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are still reporting on a closed account after more then 180 past day... 
They are trying to keep generating interest and charges fees... 
They told me they would charge this account off and they still not.
Product: Credit card or prepaid card

On XX/XX/2018, I opened a credit card account with Discover. I have just checked my credit report & apparently I have late payments on XXXX, XXXX, & XXXX of 2018. I have had automatic payments set up since i opened the account, so I dont understand how I can have late payments.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed serval inaccurancies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking to verify as accurate : COLLECTION Acct XXXX Amount {$510.00} COLLECTION Acct XXXX Amount {$320.00} COLLECTION Acct XXXX Amount {$470.00} COLLECTION Acct XXXX Amount {$470.00} COLLECTION Acct XXXX Amount {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked now.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Debt collection

I started a 6 month auto insurance w/ USAA on XX/XX/XXXX that was to last thru XXXX I've received emails and notifications monthly about said active policy. On XX/XX/XXXX I spoke w/ USAA via phone spoke w/ a licensed rep who advise that they would start new policy for 6 month term for my XXXX XXXX XXXX  w/ me and my girlfriend, the registered owner XXXX XXXX, via that phone call. The sales rep advised that auto id card will be sent via mail, at that time i had no reason to doubt that the info that representative i was speaking w/ via phone was telling the truth. On XXXX  I purchased a new XXXX XXXX which caused me to log into the USAA app to see that i do not have an active issuance policy for said XXXX XXXX XXXX. After realizing the error on XX/XX/XXXX i contacted USAA who advised me that on XXXX XXXX XXXX  there under writing team decided that they would not be able to proceed w/ the auto policy that i was adv on XXXX  less than 24 hrs prior, would be started for XXXX XXXX. At the time of speaking w/ the licensed insurance rep from USAA on XX/XX/XXXX i was placed on hold for over a 30 minute time frame straight only for the licensed rep XXXX to tell me that their supervisor listened to the call and advised for them to back date my policy to XX/XX/XXXX when starting back up for both cars. After waiting another 20 minutes for XXXX, USAA licenced insurance rep to adv that under writing will not allow him to start a policy for me due to my driving history, which was not true. ( At that time i was attempting to start a policy with my household me and my girlfriend XXXX XXXX listed as drivers ). I was advised by XXXX to call back first thing in the XXXX when a manger can help me because his manger that listened to the call from XXXX  does not have audio. Even though that made no sense i called back at XXXX XXXX XXXX and coincidently got the same licensed insurance rep XXXX- who advised me at XXXX XXXX that he would have to set me up for a call back after leaving me on hold for over a 45 min time frame. I accepted gave 2 call back numbers and called back and attempted to just setup insurance on my new XXXX XXXX w/ no additional cars or additional drivers. i was instantly given a 6 month premium rate and able to start insurance w/ a deposit of XXXX. For licenced insurance representatives to attack and degrade my character w/ lies is a consumer violation I demand remedy for. For USAA to provide me w/ false information into believing I'm under contract, i demand remedy. and the fact I'm breaking the law right now w/ the XXXX XXXX not being insured and XXXX will be charging per day not insured i demand remedy. over 10 differenent consumer violations i am seeking help w/ getting $ XXXX remedy
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, Experian and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX never responded. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

Experian and XXXX never responded.
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Mortgage

I have been attempting to clear up a escrow question with Fay Servicing since receiving my escrow analysis from them in XX/XX/XXXX. Since XXXX, I have always been responsible for paying my home owners condo insurance. When I first called them I was told they removed the insurance payment from escrow. After waiting several weeks the payment due never changed which promoted me to contact Fay servicing again to review this. This time I was told the mortgage was adjusted back in XXXX. They have sent me modification letter, but it does not say anything about home owners insurance paid through escrow. To ensure that my Home Owners insurance was paid on time I paid the first of two payments to XXXX XXXX XXXX. I was assured that my Home Owners Insurance would be paid on time by Fay Servicing through the escrow. Well Fay Servicing did not pay the Insurance and thank goodness I did pay on time or I would have been dropped. My account needs to be reviewed by Fay servicing and they need update my escrow payment to reflect insurance payment not included. They need to look into this seriously and stop just sending me blanket responses that are not correct since you are not paying the insurance. Please review the attached email correspondence hopefully you can review the phone calls I made too. I've contacted them through the XXXX XXXX XXXX as well. Their response is the same we will contact once we review. It has been over 4 months trying to correct this no one is reviewing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Bay Area receivables posted a bill on my credit without due process I never got a notice to respond within 30 days prior to finding out that I had a pass due bill with a hospital. I had no knowledge of the bill and thought medical took care of it. The company did not afford me the opportunity to clear the debt if owed prior to posting it on my credit and/or to verify if the debt was infant owed or not or something my insurance would take care of. Just wasnt afforded due process
Product: Credit reporting or other personal consumer reports

Opploans refused to accept any payments. They redirected me to XXXX XXXX. I paid the debt in full and have requested XXXX and XXXX remove the negative remark from my credit report. None of the four have responded. Opploans is reporting a bad, charged off account which is inaccurate and unlawful. Please respond to my request expeditiously as I have been attempting to settle this for over six months without any results.
Product: Credit card

I have contacted Citi Cards multiple times in regard to a check they issued to an incorrect address. They have continually told me to follow up with them week after week. This has been going on since XXXX, it is now XXXX. They admitted they never updated my address in their system and were at fault ; however, they have not followed through in correcting their error. They advised it could take WEEKS to place a stop payment, which is ridiculous.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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: Mortgage

I typically prefer to pay bills by check, however occasionally it is necessary for me to pay a bill online, either with a credit card or by entering my bank account info. Once the payment is made, I always delete the payment method from the website so that it is not saved. Since 2013, I have paid my mortgaged, serviced by PennyMac, with a mailed check. However, about a year ago, I was not able to get check in the mail in time, and have never had a late payment so I paid online with my bank acct. I selected the ONE TIME PAYMENT button. After payment made, there was not a way for me to delete my bank acct. I could only edit it or add a new acct but not delete. I called Penny Mac and they explained they have it set up like this on purpose so they will have a payment method on file for future payments. Since I requested it be removed, they did so but it took a couple of days because the request had to be submitted to a separate department. 
I am experiencing the same problem again now, however, Pennymac is REFUSING to delete my bank account information. I have made multiple requests in writing ( since XXXX XXXX through Pennymac 's message center on the website, as well as several verbal requests over the phone. At first my requests were answered with instructions to delete the account myself, although the DELETE button that I was instructed to click, does not exist on the loan holder 's end. Apparently it is visible to the Pennymac staff but not to me. I even sent a screen shot to the manager of the customer service department, showing that I did not have the delete option the manager and several reps have mentioned. Now, I am being told they WILL NOT delete my account info even though I have requested this multiple times. XXXX, a PennyMac Loan Specialist tells me through the message center that this is a benefit to me and to " please rest assured your information is secure and safe. '' Is it legal for PennyMac to continue to obtain access to my bank account even after I have requested it be deleted?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXX/XX/XXXX Account number : XXXX Account name : XXXXXX/XX/XXXXXXXX Account number : XXXX Account name XX/XX/XXXXAccount number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XX/XX/XXXXAccount number : XXXX Account name : XXXXXX/XX/XXXX Account number : XXXX Account name : XXXX XX/XX/XXXX Account number : XXXX Account name : XXXXXX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : U S DEPT OF EDXXXX Account number : XXXX Account name : U S DEPT OF EDXXXX Account number : XXXX Account name : XXXXXX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XX/XX/XXXXXX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX/XXXX/2024 XXXX XX/XX/scrub>/2024 XXXX XX/XX/XXXX XXXX/XXXX/2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XX/XX/XXXXXXXX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX4/2024 XX/XX/XXXXXXXX/202 XX/XX/XXXXXX/XX/XXXX/2024 XX/XX/XXXXXX/XX/XXXX/2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XX/XX/scrub>/2024XX/XX/XXXXXX/XX/scrub>/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.