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

I sent a certified U.S. Postal Service # XXXX dispute/challenge letter to Transunion on XX/XX/2022 and envelope was received on XX/XX/2022. I checked online, XX/XX/2022 to confirm if dispute/challenge was received, but was told by Representative on XX/XX/2022 that my dispute was not processed and they sent letter ( that I have not received ) saying that they would not process my dispute because they accused me of using a third-party and that I had to verify what I disputed. Supervisor told me that I would have to open a new dispute over the phone with him and I told him absolutely not. I wanted him to process the ORIGINAL dispute/challenge letter that they received on XX/XX/2022 instead. He refused! I told him that he was very RUDE and not helpful and that I sent the letters personally and NOT thru a third-party, but he REFUSED to process the original letter dated, XX/XX/2022. 

So I am DEMANDING that you process the attached dispute/challenge dated on XX/XX/2022 and I expect a FULL INVESTIGATION an update NO LATER than XX/XX/2022! 

SEE BELOW NOTICE : Notice of Warning For Any Delay In Processing by TRANSUNION To Whom It May Concern, I am aware of your attempts to delay the processing of many consumers disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is ILLEGAL, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those disputes and challenges.

However, let me make it clear that my letters were created using applicable software and regulations available to all consumers, and that this is your notice that any delay in the processing of my letters is violation of 15 U.S. Code 1681i, which sets forth the procedure in which a Credit Reporting Agency must investigate a consumers reasonable dispute, and lists out exceptions, and will be considered a willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is not such exception that would legally allow you to delay the processing of a consumers disputes to you based on an unfounded assumption that assistance from a third-party exists.

Please be advised that any and all letters and disputes you receive bearing my name have been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware no statue in the FCRA suggests that a Power of Attorney must be provided to you, or that without said Power of Attorney documentation you are allowed to delay the processing of my disputes to you! 

Regards, XXXX XXXX SEE ATTACHED PHOTO ID AND PROOF OF ADDRESS
Product: Credit reporting or other personal consumer reports

Somebody got a first access credit card in my name without my consent it is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open XXXX XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}, and DEPT OF EDUCATIONXXXX XXXXXXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}. Please remove this account ASAP as this was result of fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I walk into the money services, MoneyGram section to send money to a unknown person. I spoke with the MoneyGram agent to send money to someone I didn't know. I explain that I am waiting for a package to be sent and didn't want anyone receiving the funds until I release them. The agent told me that they would need the reference number that was printed out on my receipt. And by no means do I give up the reference number until my transaction was completed. She guarantee this would be the only way to receive funds sent. And this would be my way of securing my money. I was confident and this was the reason I choose MoneyGram. After 2 days of waiting for my package and to no delivery, I decided to go back to Walmart and get my money from MoneyGram. Went back to the same MoneyGram and had the same person that waited on me with my a original receipt. I handed her my receipt and she looked up my reference number for my refund. After a few minutes, she said someone received the money. I said hold could that happen when I didn't give anyone my reference number but you. I had my receipt with me at all times. She said I needed to call MoneyGram about this. I told her you guarantee me a secure refund if I secure my reference number, and I did. Be aware that MoneyGram will give your money away if the person you don't know has your mailing address and there Driver License. 
Even though you are told that the only way someone can receive your sent money through " MoneyGram '' is by using the reference number. That is a lie!!!!!!!!! I spoke with the 2 XXXX  store Manager about this and all I got was, they will talk to the 2 MoneyGram agent. I was guarantee a secure way to release my funds in the beginning, but in the end I was taken for a ride by XXXX MoneyGrams unsecure practices. Do not count on a secure way to send money, and to have full control of releasing your fund by relying on a reference number. Huh The moneygram agent didn't even get my address right on the receipt.
Product: Checking or savings account

My name is XXXX XXXX. I have a checking account with Chase Bank. About 2 years ago someone hacked in and stole about XXXX. The bank invesitgated and refused to give the money back until they found that the hacker phonied up a drivers license for ID. You should have this case in your records. Then when we filed a complaint with you they gave the money back. 

Today I got another alert from Chase that I have only XXXX dollars in my account. I have about {$18000.00} in the account which is my unemployment checks.. They are saying the account is a joint account with someone named XXXX. This is not a joint account never was and is a single account. This money was stolen and Chase needs to investigate but can not take 45 days to do so. the money is needed immediately. This is the second time this has happened. Chase changed his account number before and it still happened again.
Product: Checking or savings account

Around the beginning of XXXX a friend told me he couldn't open a bank account and asked me to open on for him to deposit his checks from work. Me feeling bad, i agreed to do so. He deposited a few {$500.00} checks. Later though out the week, my mom had got mail telling me I owed my bank money.
Product: Debt collection

Penn Credit has on several attempts attempted to collect a debt from me from someone who lives in Texas. She has a similar name to mine. I never gave Penn Credit or the original creditor my cell phone to contact me regarding any debt.
Product: Credit reporting or other personal consumer reports

In XXXX to XXXX of 2024, I filed a disputes with XXXX and Equifax Credit reporting agencies about the unverified collection account of XXXX  XXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

**Experian I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX
Product: Consumer Loan

On XXXX/XXXX/15 I called Huntington Bank to get a payoff for a car loan. The information I seen showed a balance of {$3600.00}. I was told that there would be a early payoff fee of {$120.00} added along with two days of interest and insurance for the time it would take for the money to reach the bank. The Payoff was made on XXXX/XXXX/2015 a day earlier than they had predicted. I called the bank the following day and asked how they would send the money for the one day of interest and insurance that was paid? I was told that I would get a check along with the title to the car. Title was received on XXXX XXXX, 2015 but no check was with it. I called Huntington XXXX XXXX, 2015 and was told by XXXX that a check and a letter with the breakdown of the charges would be mailed out. XXXX XXXX, 2015 I called Huntington and spoke with XXXX the supervisor that told me that he would email me the breakdown and that he would have XXXX call me on Monday XXXX XXXX, 2015 about the refund. Never received the call from XXXX to this day XXXX XXXX, 2015. The breakdown of the charges that XXXX emailed ( see attached ) was not what I asked for. The amount I was charged on XXXX XXXX, 2015 was {$3700.00}. If you add the {$120.00} early payoff fee the balance would be {$3700.00}. Add {$3.00} for two days of insurance and interest would leave an over payment of {$1.00} owed me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute your recent investigation results regarding the inaccurate information on my Experian credit file. Your response indicated that Experian verified the account from XXXX XXXX XXXX as belonging to me. This assertion is demonstrably false and raises serious concerns about the integrity and thoroughness of your investigation. I previously provided the last four digits of my Social Security number to assist in locating my credit file, and I specified that the account in question does not belong to me. Despite my efforts and clear communication, your investigation failed to accurately address my concerns. Furthermore, I sent a debt validation letter directly to XXXX XXXX XXXX, to which they did not respond. Consequently, this fraudulent account has been removed from all three major credit bureaus, including Experian. The removal of this account by XXXX XXXX XXXX clearly indicates that the account was not valid. Given this fact, it is perplexing and troubling that Experian claims to have verified the validity of this account. It appears that your investigation did not take into account the comprehensive evidence I provided, nor did it adhere to the standards set forth by the Fair Credit Reporting Act ( FCRA ). Specifically, 15 USC 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies. By failing to remove this erroneous account from my credit report, Experian is in direct violation of this statute. Moreover, XXXX 's actionsor lack thereofconstitute a willful noncompliance with the FCRA, as outlined in 15 USC 1681n. This statute provides for civil liability for willful noncompliance, allowing affected consumers to seek actual damages, punitive damages, and attorney 's fees. Therefore, I am prepared to pursue litigation to hold Experian accountable for these violations and seek {$1000.00} per infraction as stipulated by law. In light of these violations and the distress and financial harm caused by your negligent handling of my dispute, I am formally demanding compensation of {$1000.00} for this violation, as provided under 15 USC 1681n. Please be advised that I am giving Experian one final opportunity to rectify this situation and compensate me for this violation. I demand the immediate and permanent removal of the XXXX XXXX XXXX account from my credit report and the payment of {$1000.00} for your failure to comply with the FCRA. Failure to comply will result in my taking legal action to enforce my rights under the FCRA and seek additional compensation for the harm caused.
Product: Mortgage

XXXX XXXX reside at XXXX XXXX XXXX XXXX ny XXXX with my husband XXXX and Daughter XXXX XXXX Hsbc Beneficial are nothing but scammers. They have ruined my life along with my family. The refuse to work with modification, lower interest rate. we are paying XXXX which is extremely high. They are taking full advantage of us because of low credit scores, and lack of knowledge. 
How is it that those that were originally clients of Beneficial Finance, which is a predatory lender are now being taken advantage of a worse lender HSBC. We were n't ask if that 's what we wanted. Our accounts are sold out before the ink dries to the biggest crooks that seem to be monopolizing this business. Since there are so many complaints against Beneficial Finance/HSBC why has n't Consumer Affairs done a thorough investigation which would include an audit on the accounts of the consumers that have complained. I do n't think that is too much to ask for. Listing our complaints on a website might stop those that are thinking about getting a loan through either of these companies, however the consumer whose mortgages have been transferred to HSBC because of a merge etc should not be made to be robbed continually, for something they had no control over. 

Once you get involved with these companies it 's like being in quicksand, you never seem to get out. They have also called me all hours of the day including my place of employment and contacting my supervisor gave her personal information, which is a violation of my privacy under the HIPPA laws. I request their phone records should be requested to be reviewed for exceeding calls and threats. I also disagree with their response from the first complaint filed. All the info the responded with was all a bunch of untrue documents. I feel they should be held accountable for all the stress with them forcing us into foreclosure status They have ruined my life. We had a loan approved through the VA mortgage. When we ready to close to the mortgage agreement. Hsbc stated we owed them additional XXXX XXXX of interest. 


I 'm hoping XXXX can help assist me get this company to clear up my account. Because I am being made to pay my mortgage to include an escrow account which would have made my mortgage higher, however I am being made to pay a higher mortgage payment, and pay taxes and insurance outside of the mortgage. And now they want to add on more money to include another escrow, why when they have n't use the amount that was supposed to include a escrow account in the first place. I 'm not the only one with horror stories towards these companies. I feel these claimed are founded to be valid then an audit over the whole account should be done. I need your help, we need your help if you ca n't help us please direct us to who can. I live in New York State. When the lender modifies your mortgage it has to be in escrow.
Product: Debt collection

PNC bank closed my account abruptly falsely accusing me I owe a balance of {$200.00} when the PNC bank mailed me a check on XX/XX/2024 in the amount of {$200.00} to my residence which I have never cashed the check
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts on my credit report. These accounts were not initiated by me, and I suspect them to be the result of identity theft.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX  XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX  XXXX ) of any sort. 

In regards to The company ( XXXX  XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX  XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting or other personal consumer reports

XXXX has been reporting erroneous defaulted loan information to XXXX, XXXX and Trans Union since XX/XX/year>. After contacting Account XXXX XXXX XXXX on XXXX, .the only solution he advised and could give was to dispute with credit bureaus even knowing it was a fraud in my name. 

knowing this is error on XXXX part, they are refusing to correct this. This has impacted my credit score and government background check for employment. 

I requested a letter to state the error to provide to government agency for employment and was denied.
Product: Debt collection

Back in Mid XX/XX/2014 I lived at XXXX XXXX XXXX. I ended up breaking my lease with the apartment and i moved out the country to live with my younger siblings because our mother suddenly XXXX. ( XXXX from XXXX suddenly ) I spoke with the apartment complex about my situation and they told me once they can get someone to move in my apartment when i move out everything would be fine, and someone did move into my apartment ... .so i shouldn't be penalize for breaking my lease ... .I was unaware of these chargers, I was only made aware of these charges 4 years later now that im trying to fix my credit score. I reached out to the collectors and they dont ever answer thephone nor return my calls ... ..I did get in touch with someone and they was rude and unhelpful. They are saying that the amount i owe is {$2200.00}, I dont how they came up with that number but thats not possible.
Product: Credit reporting or other personal consumer reports

LVNV funding llc, XXXX XXXX XXXX  and XXXX XXXX XXXX have purchased my accounts from other creditors and do not have proof that I owe anything to them.
Product: Credit card or prepaid card

I filed a dispute claim about unauthorized transactions with Blackhawk Network, the company shows on the back of my prepaid debit card. I had provided all the supporting documents to the company, but the company denied the dispute and refused to provide any explanation. 

The unauthorized transactions was the follow contains : Amount/ Date : {$490.00} / XXXX ATM withdraw {$4500.00} / XXXX in-store purchase $ XXXX XXXX in-store purchase $ XXXX XXXX ATM withdraw Toyal Amount : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on XXXX and Equifax. I have disputed it many times but nothing has changed. Then on XX/XX/XXXX the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/XXXX they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.