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

On XX/XX/XXXX I tried to do an " instant deposit '' for {$2600.00} from my XXXX bank account to my Robinhood account. The whole process was supposed to take no longer than 30 minutes to complete. Once I noticed the transaction was never completed, I reached out to Robinhood and they informed me the transaction had expired. They suggested I reach out to my bank to notify them of the pending issue. After Calling XXXX, they informed me that the transaction was still pending and to call back when the transaction was completed. The transfer for {$2600.00} was completed by XXXX on XX/XX/XXXX. Unfortunately, Robinhood never received that transfer. I contacted XXXX to file a claim. the process started on XX/XX/XXXX. The bank asked me to allow 10 business days for the issue to be resolved. On XX/XX/XXXX I accessed my XXXX XXXX account and found two additional charges for {$2600.00} each from Robinhood. I contacted XXXX to assist me with the new charges. XXXX stated there was a glitch in their system and granted me a temporary reversal of {$5200.00} while they work on resolving that issue. As of XX/XX/XXXX the instant deposit for {$2600.00} has yet to be released to my XXXX account or my Robinhood account. XXXX denied the claim and insisted it was a completed transaction that would need to be resolved with Robinhood. After speaking to representatives at Robinhood, they insist the transaction expired after 30 minutes on XX/XX/XXXX. I have worked diligently with XXXX and Robinhood to have this matter resolved. Neither company has been able to assist me and the money has yet to reach either account. The next steps are unclear because neither company has given me a resolution. If someone could please assist me with this matter, it would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX # XXXX. 
I HAVE FEW IN ACCURACY IN MY CREDIT REPORT. I TRY TI FIX WITH MY ALL XXXX CREDIT BUREAUS BUT THE SAID THAT ITS CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE FRAUDULENT AND IDENTITY THEFT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular XXXX XXXX is using the Transunion platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to XXXX XXXX I have closed accounts that thy are still trying to collect on and have recorded me at $ XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but XXXX XXXX is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with Transunion. I have made every attempt to fix this situation. I have spoken to several XXXX employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for 12 years. the amount of damage is ongoing and difficult to quantify. 
Transunion has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments .It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this bankruptcy. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 
XXXX XXXX, XXXX XXXX
Product: Checking or savings account

Region charge overdraft fees for over {$180.00} in 2 days same day {$100.00} same day {$100.00} today the charge me {$100.00} even if make deposit {$1500.00} and i try to stop check they said that i have to pay {$36.00} for stop and i agree but now is {$36.00} for overdraft plus {$100.00}. is not fair. please they charge a lot money and i receive payment every week.
Product: Credit card

In XXXX XXXX XXXX my wife was at a seminar and in exhibition hall a man said he has a laser and cream that would help a scar she had. He said it would be covered by flex safe account. He said it was XXXX and she thought he meant XXXX. She signed what she was told was shipping papers without looking in detai and he took XXXX XXXX for payment. I got notified of XXXX charge called her and she called him and canceled. The charge is still there even with 4 disputes with XXXX. We never received anything from vendor. I have tried to deal with him also. I cant believe it would go in verdors favor when we havent received anything. This is fraud in my opinion. XXXX XXXX was company and credit card was XXXX XXXX
Product: Debt collection

I was contacted by Carter Business Services , Inc. regarding a bill from XXXX XXXX XXXX. This bill was paid in full on XX/XX/2022.
Product: Payday loan, title loan, or personal loan

Original loan is for {$900.00}. Payback amount is {$4100.00}. I feel that this is in violation of Usury laws in the state of Oregon. They are also not licensed to loan in Oregon.
Product: Debt collection

TransUnion response to consumer complaint # XXXX did not include the steps they took, or will take, to address your complaint. 
TransUnion is actively and purposely engaging in an evasive and stalling tactic requesting information about what the consumer 's complaint is about. TransUnion is well aware of the purpose of my complaint and their FCRA consumer reporting violation. I, the consumer have submitted my complaint at their website where a have a vetted verified account without a resolve. TransUnion failure to resolve this issue is what has led to the CFPB filed complaint. The most previous CFPB filed complain concerning this matter was filed on XX/XX/2024 Complaint # XXXXwith no resolve. TransUnion must according to FCRA consumer reporting remove any and all incorrect information from the consumers ' credit file including all past history of such incorrect information. Furthermore, TransUnion has exceeded 90 days to clear this matter up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus didn't respond to my request about the changes on my accounts.
Product: Debt collection

a credit card not paid almost 5 years ago, now part of my salary was garnishment. I can't pay that amount. I am a single mother, my job is to support my children
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to : 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition, please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a hard inquiry on my report because XXXX XXXX XXXX has purchased XXXX XXXX. The representative asked me if I was interested in cable I said sure as long as you dont run my credit for a hard inquiry, the representative had already checked my credit for internet service. So I didnt want my credit being ran for cable I thought since they checked it for internet it was already set. I called and talked to a XXXX XXXX XXXX representative they assured me that they would handle the issue but nothing has happened.So now I have XXXX XXXX XXXX and XXXX XXXX as hard inquires on my Equifax report.
Product: Debt collection

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please see the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name- XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

I will like to file a formal complaint against USAA Federal Savings Bank with the Consumer Financial Protection Bureau ( CFPB ). USAA allowed the transfer of funds from my account without my permission and without timely notification of the transfer in accordance with its own policies and procedures governing transfers. On numerous occasions I tried to resolve this matter with USAA. However, as the detailed chronology attached will indicate, USAA failed to take responsibility and has attempted to absorb itself of all responsibility. Therefore, am compelled to file a complaint to seek relief. The relief being sought is to restore those funds that were transferred without authorization and pay the required interest. Any punitive damages legally mandated or part of any pending legal action against USAA are also being sought. For the record, it is relevant that I inform you that I currently reside in XXXX XXXX, XXXX, XXXX. Given that I am not residing in the United States, I specifically requested and it should have been noted on my account to follow specific security procedures before releasing any funds. This is part of the overall USAA policies and procedures governing the transfer of funds. Please refer to the attached " CHRONOLOGICAL OF EVENTS. '' In closing, this is a textbook example of the worst customer service responses to me a customer who had immediately notified them of suspicious activity on my account and requested that they take actions to prevent further breaches of security. USAA representatives did not take " reasonable and timely '' actions after I notified them. This is also a breach of USAA 's own policies and procedures. Even without notice from me, USAA was supposed to have sent email notifications to me asking if I had authorized these transfers/wires. This was not done. To complicate matters and to show either willful neglect or incompetence, after I notified USAA representatives of the initial unauthorized transfers, USAA neither took actions nor notified me via email or telephone of these unauthorized activities. Therefore, USAA is one hundred percent ( 100 % percent ) liable for damages to me.
Product: Credit reporting or other personal consumer reports

Account is derogatory and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted. 

I have not supplied proof under the doctrine of estoppel by science, XXXX XXXX, XXXX ( mo ) XXXX XXXX XXXX I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists
Product: Money transfer, virtual currency, or money service

Information was leaked money was taken numerous times never could get a live agent to help with getting my funds back anytime I lost money
Product: Credit reporting or other personal consumer reports

I recently reviewed my TransUnion credit report and I noticed there were inquiries that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Product: Student loan

I told navient I could not afford my current repayment plan. I have not been making payments that I can not afford it they have been calling the co-borrower and myself at least XXXX times a day. Today two family members called and stated that a credit collector attempting to collect a debt was trying to reach me. His name was XXXX and he left a phone number. these family members were not listed on any of my contact forms. He called me first and was able to contact me at my number. He had no reason to call them.I sent an email to Navient asking them to send me in writing what they were saying over the phone and I would comply. I do not trust anything they say over the phone they are very deceitful in practice. they told me over the phone that if I pay one month current they will forgive my prior past due balance. If I give them my account information I do not trust they will only take the agreed upon amount out of my account. I also want proof that they will forgive the past debt.
Product: Checking or savings account

On XX/XX/2023 I received an email from chime telling me Your card is on the way! 
Your Chime XXXX XXXX XXXX has been shipped to you. A bright green envelope should arrive in about XXXX weeks. it then asked me to confirm my home address and had an address several years out of date. 

I have never signed up for chime I have never investigated signing up for chime, and I would never do business with chime. 

I called chimes published support number and was out in contact with an agent. I explained that I did not open an account and wanted to know if that was just an incredibly deceptive marketing email or if someone had opened an account. The representative said I understand this is frustrating for you. When did you open your account? And they did not seem capable of understanding that I did not open an account. 

I believe this to be deceptive on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern/Experian, After reviewing my consumer file I noticed the following accounts reporting in INACCURATE error. Please DELETE these accounts immediately : ( XXXX  XXXX XXXX : ) ( XXXX XXXX : ) Closed ( XXXX XXXX : ) Closed ( XXXX  : ) Paid ( XXXX : ) ChargedOff 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These accounts is reporting a Balance and the account is reporting closed, the account is reporting late payment history and therefore these accounts is in VIOLATION. Please Delete immediately.
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have requested proof of authorization for the inquiry reporting to my consumer report which I have not received to date. XXXX date XX/XX/2022
Product: Mortgage

**This is a continuation of CFPB complaint XXXX that was not completely resolved** The Escrow account on LoanCare mortgage XXXX is not accurate. 
The annual taxes are {$1800.00}. During XXXX LoanCare made County Tax Distributions on XX/XX/XXXX {$930.00} AND XX/XX/XXXX {$1800.00}, which has caused an escrow shortage due to this over distribution. 
I talked with the XXXX County Tax division and they did not receive a payment of {$930.00} on XX/XX/XXXX. Where is this money? 
I've left 3 messages for XXXX XXXX at LoanCare Office of the Customer ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and he has not called back.
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 Experian credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practies, which violet the Consumer Financial Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get a refund from Equifax, and they are refusing. I have been attempting to get a resolution with them since the announcement of the security breach, but have had no success, and have been assessed additional fees as this process drags out.
Product: Credit card

I have a visa credit card the I thought was a regular consumer card but when i got my last statement that raised my interest rate from 13 % to 29.99 % I found out that i have a business credit card which is n't what i asked for. 
The bank raised my interest rate because i had received my bill late during XXXX but when i did get it i opened it up and saw that it was late I took straight to the closest branch and told them what happened and paid it. They suggested that I contact customer service which I did. 
After contacting fifth third bank customer service and having them see I had never been late plus what happened they said ok and even took the late charge off. 
So according to everything I discussed with them everything was ok but this month i got my bill and saw the 16 % interest rate increase. 
So i called customer service to try to see what was going on. I talked with a service representative and told her what had happened. She said that was not normal to raise a rate that much on XXXX late payment especially once she saw i had never been late before. After about 5 minutes she told me what had happened. It seemed that i had a business credit card and not a regular XXXX which meant that the rules were different and strict so they could do that to a business account. 
I had a business account and credit card with 5th 3rd but because of the service I close the business account and was going to close the business credit card account and when I told them that they said that they would give me a regular account if I kept it open which I did and they gave me a new credit card with just my name on it and not the name of my company.