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

I had to recieve a transfer in amount XXXX on XXXX XX/XX/2023. I have tried to contact my banking services several times and they're not responding. Till this date we did not receive a compatible response from them. We need our funds and it is requested to notify Wise XXXX  XXXX about this complain. 
>We are using Wise XXXX  XXXX  formally TransferWise for our banking services. 
>Our clients company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached. 

I have been constantly disputing some fraudulent and unlawful accounts that are being furnished and reported to my credit report. The credit bureaus has said that the accounts were verified as accurate. I am requesting an explanation on how exactly these accounts has been verified and validated. 

One of the accounts, XXXX XXXX has provided me with an AUD form that they submitted to the CRAs with a request to permanently delete the account from my credit reports due to the fact that XXXX XXXX and myself signed a settlement release agreement form prior to arbitration, with the deletion being one of the terms of the agreement. I will attache both the settlement release form and the AUD form to this complaint XXXX XXXX XXXX, has been acting unlawfully in regards to how they are reporting to my credit report. They are in violation of the FCRA and FDCPA. Also, I tried to arbitrate this creditor but they will not honor the arbitration agreement in their terms and conditions. If they will not remove the account, I will have no choice but to seek remedy in a court of law. 

XXXX XXXX XXXX is reporting and filing frivolous lawsuits without properly validating the account or providing any documented proof with my signature on it showing my obligation to alleged debts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as high in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations, I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My wife, XXXX, found out some information that her father, XXXX XXXX XXXX, apparently had purchased some CD 's in trust for her and three siblings. From what she found out they were now being held by PNC Bank. In trying to talk with PNC local branch, she is apparently being blown off. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX you cause me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payments for Account Ending in XXXX Dear CFPB, I am submitting this formal complaint against TransUnion for failing to correct inaccurate late payment information reported on my credit file for CRB Sunlight account ending in XXXX. ** Despite submitting multiple disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, TransUnion has neither corrected the errors nor provided sufficient justification for maintaining these inaccuracies. This negligence is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other applicable consumer protection laws. 
Errors and Discrepancies in Reporting TransUnion reported the following inaccurate late payments : XXXX days late : XXXX XXXX XXXX days late : XXXX XXXX XXXX  days late : XX/XX/XXXX However, XXXX reported no late payments, and XXXX failed to report any data for this account. These discrepancies clearly demonstrate that the reported information is inconsistent and inaccurate, significantly harming my credit profile and financial standing. 
Relevant Account Details Account Number : XXXX High Balance : {$7600.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Violations of Consumer Protection Laws FCRA Violations 15 U.S.C. 1681i : TransUnion has failed to conduct a reasonable investigation into my disputes and ensure the accuracy of the information reported.

15 U.S.C. 1681e ( b ) : TransUnion is required to maintain procedures to ensure maximum possible accuracy, which it has failed to do in this case. 
TILA Violations 15 U.S.C. 1666b : Creditors are obligated to provide periodic statements at least 21 days before a payment is due. The reported late payments indicate a failure to comply with this requirement, suggesting a lack of timely notice. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes creditors ' responsibility to provide accurate and timely statements to consumers, which has been disregarded in this instance. 
Impact on My Credit and Financial Well-Being The inaccurate late payment reporting has negatively impacted my creditworthiness, leading to unfair penalties and potential denials of credit. These errors are not only unjust but also a violation of my federally protected consumer rights. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the corrections once completed. 
If this issue is not resolved promptly, I will have no choice but to escalate this complaint further by seeking legal action and filing additional grievances with other regulatory agencies. 
Thank you for addressing this urgent matter. Should you require further information or documentation, I am available to assist promptly. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I purchased XXXX laptops on best buy online on XXXX XXXX. And I didn't receive the items until now. They cost {$1300.00} in total. I contacted Bestbuy and I also contacted the bank issuer of the credit card I used to dispute the charge. But they refused to help
Product: Debt collection

XXXX XXXX bought this account from Portfolio Recovery Associates, LLC - I spoke to PRA let them know my credit card was stolen and they send statements of the account which has no idea of how to handle fraud properly or by law. Now the new debt collector calls daily, sends letters and I have told them the card was stolen and I have been through this 2 years. They have failed to help me and just send statements of the account they was used fraudulently. After several requests I have hired legal assistance because its absurd they are still trying to collect a back s they was stolen from me. It also has over {$400.00} in fees - the balance being {$570.00} they incorporated their cut and fees on a fraudulently used card. Its pathetic
Product: Debt collection

Filed a complaint # XXXX regarding having no knowledge that I had a judgement against me. Their response was a typed up list of events with an old invoice of a charged off loan that has passed the statue of limitations here in XXXX. The company did not provide proof that I had been served or a bill of sale where they had acquired my charged off loan witch violates FDCPA law. I request that all collection efforts stop and that the judgment against me be removed.
Product: Debt collection

A collector sent me written notification that attempts to look like a court document. Its left border is numbered in the format of pleading paper, for example. It also has a header reading the name of a court and its area ( " XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NEVADA ) XXXX along with a case number. It also reads a plaintiff name versus my name as defendant. 

The document does offer a " THREE DAY NOTICE OF INTENT TO FILE DEFAULT '' subheader, but it appears very apparent that the collector is attempting to make the document appear as an actual court document. It's also apparent that the collector is using this method to deliberately mislead and compel recipients to believe they have no other choices. 

I find this to be an attempt to deliberately mislead and believe it violates law. There are other questionable practices by this same office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC1681 SECTION 602H VIOLATED MY PRIVACY ACT 15USC1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I went to an orientation for a first time home buyer program. The program of course looks at everything from personal information, finances, and of course CREDIT. When my credit was pulled I noticed that there are two items on my report that are In accurate. The amount to be exact. Per the FCRA these items must be deleted. This is also false and misleading information that is negatively impacting my reputation. I have disputed this item before but didnt realize the inaccurate information. However this dispute is active and IS NOT A DUPLICATE. Per the FDCPA USC1692e ( 2 ) ( a ) the collection of the incorrect amount is false and misleading. Also Ive disputed and questioned the validity of the alleged debt and account and still have not received legal binding proof that the consumer is obliged to pay any FRN ( debt instrument ). Furthermore with the mentioned statement previously this company seems to be in violation of USC 1692f ( a ) ( 1 ). Also this item has been deleted and reinstalled without notification per FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). The reporting agencies and the collections agency is violation of the FCRA. The items in question are XXXX XXXX Bank and 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 once again. It is not permissible to fail to validate this reporting account as unverified information without providing proof. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in 2 letters regarding my credit report to each bureau. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a lot of information on my report that is just not accurate at all ( names listed, accounts, addresses ) that I've never lived at. I've called many times to dispute the wrong information being reported and I either get disconnected or no real answer. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been over 3 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. These accounts need to be updated ASAP because I am looking to make a purchase and the false information on my report is unfair and I've already explained to XXXX  and XXXX  that my personal information has already been used before and that I keep getting notified that I am involved in a breach. Please help me figure this out, I'm out of options and frustrated that its been over 3 months now.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite this attempt to rectify the situation. In regards of providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Through my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I wany you to help me to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

XX/XX/XXXX New servicer per letter from XXXX XXXX ( Loan number XXXX ) on XX/XX/XXXX will be Sortis starting XX/XX/XXXX. To date I have not received any official letter from Sortis. ( Sortis Financial Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. I have had a housing counselor since XX/XX/XXXX ; he called Sorits last week on XX/XX/XXXX and was told that my mortgage had not been transferred yet and the information was not in the system ; therefore he could not verify my original loan information : {$120000.00} and payments are {$1100.00}. I was advised to wait until he talked with Sortis before sending a payment. I got a call from my homeowners insurance agency on today stating that Sortis wanted to escrow my account ; but I have not heard from Sortis officially. 
Spoke to my homeowner policy agency today. The caller to my homeowners policy agency was XXXX XXXX from XXXX XXXX XXXX XXXX or Sortis, at XXXX. They wanted to escrow my account, but they only wanted to pay the only the balance of the account ; not for a full year ; they were going to overnight a check. Still I have not heard from them and I told my homeowners policy agency not to make any changes. 
I contacted my housing counselor and he was in touch with Sortis and they said they acquired the loan this past Friday, and that is why I had not received anything from them yet. They said my new loan number will be # XXXX. They told the housing counselor to call back in a few days and they will start modification procedures. 
I am concerned because : # 1 Sortis called my homeowners insurance policy agency before any official paperwork was sent to me ; # 2 XXXX said the loan was transferred on XX/XX/XXXX but Sortis said they did not acquire it until XX/XX/XXXX. 
I will continue to work with my housing counselor and would like to get a loan modification with a lower interest than 11.2 % and payments less than the {$1100.00} that I am paying currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX, 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I've been in contact recently with Aidvantage who is my new servicer. However, because of the payment pause, I've never made any payments with them so they don't seem to have any information that helps me. I HAD XXXX and previously XXXX XXXX. 

I went to school and earned my XXXX XXXX XXXX back in XXXX. I struggled over the years and was put into a forbearance multiple times as THEY suggested, which I know now was not the right decision. That's my first problem. Then I went back to school and earned my XXXX XXXX XXXX in XXXX and completed in XXXX. 

With the new information from XXXX XXXX and all of the changes within loan forgiveness and such, I began to wonder if my loans from XXXX were almost to a point of being forgiven since I've had them almost 20 years now. When I started looking into it, I found those loans had been consolidated multiple times without my knowledge and without my permission. Now it appears those loans are dated XXXX when they were actually disbursed back in XXXX. I requested some proof or an application where I asked for this but no one has record of it. I was told to file a claim at studenaid.gov which I did although I realized there's no option to complain about a servicer. I had to submit it like I was complaining about my school ( it wasn't their fault at all ). I then find out, while I'm researching, that I'm not longer in an XXXX. Not sure when ... why ... or how that happened. So I was told that I have NO qualifying payments toward forgiveness but if I wanted I could start right now. WHAT!?!?!?!? I have had these loans for over 20 years!!!!!!!!! I started off on an XXXX and now I ended up on some other plan and nothing counted. 
To recap : Problem 1 : They convinced me to go into multiple forbearances over the years. 
Problem 2 : XXXX XXXX consolidated my loans one time and then XXXX did it again without my request or knowledge at all. I never had any parent plus or any private loans so there was NO NEED for that. 
Problem 3 : I was taken off any XXXX and now my clock is completely reset on any forgiveness after I've had my loans over 20 years! 

I always get the run around so I'm just hoping you can help somehow. Thank you so much!
Product: Money transfer, virtual currency, or money service

Ive had multiple XXXX XXXX ZELLE transactions not go through, but the money disappears from my account. I would have to send extra money and be without money for days because the money I originally sent failed.
Product: Credit reporting or other personal consumer reports

For months I have submitted requests to investigate who these companies are that are submitting my information in the form of a collection, to XXXX and XXXX. Each time they so called investigate, I receive an update that the debt is valid. But per my knowledge I have not even communicated with them companies at all, nor done a contract with them. I dont think I have been given a fair chance. Also per 15 U.S. code ( a ) XXXX, my personal information has been exchanged without my consent to these companies. And I have not been able to get housing for my family because of those accounts placed on my report be, theyre fraudulent if you ask me. I dont understand the process of investigation by XXXX but I dont think they have done any investigating. Please help me with this
Product: Prepaid card

I bought the XXXX gift cards {$500.00} each XX/XX/year>. Tried to use them on XX/XX/year> all XXXX cards were blocked for fraud as I was told by Incomm CS. They send the new cards and they are still blocked because of Fraud. They ask for pictures of ID, Gift cards, XXXX in my name. I've sent all that out 4 times to XXXX and every time I call to check on the status I get a different answer from I need to send it again, to we need to open a new case again, etc. At this point I'm being scammed out of {$2500.00}.