23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> there was an unauthorized ACH transfer out of my personal checking account for over {$13000.00} to an account with XXXX XXXX that was fraudulently set up using my information. I notified both banks and submitted claims on XX/XX/year>, and closed both accounts to prevent further fraudulent charges. Also on XX/XX/XXXX, XXXX XXXX froze the funds and told me they will only be released to US Bank to go back in my account. It is now XX/XX/XXXX and they still have not done so, and as of XX/XX/XXXX, still have not requested the funds from XXXX XXXX They also have not given me any provisional credit for this amount until it is returned, which I believe they are supposed to do within XXXX  days.
Product: Credit card or prepaid card

Around the end of XXXX I began planning a trip with my fiance. We had made a purchase through XXXX for a hotel inXX/XX/XXXX. Well we actually tried to cancel prior to the end of the year but we're told we couldn't even though I had proof that it never said we couldn't. In the end I asked for a refund, initially denied, I requested a charge back and never received it, XX/XX/XXXX said they would issue a refund but I believe I never got one as it was nearly XXXX never credited to my account ever... my other issue is that I CAN NOT view my statement from this bank for proof I never got this refund. They won't let me download my credit card statements. They also waited until I made a large payment to lower my credit beyond what I payed so I still owed them money. They are also saying my min payment on my now XXXX limit card ( was XXXX prior to covid ) is now XXXX! I literally have to pay over half my balance because they are predators! Their predatory practices need to end! Targeting people during a global pandemic.
Product: Credit reporting or other personal consumer reports

XXXXA NON DISCHARGED/OPENED OR DISMISSED XXXX XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE TEN YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( How is it reporting at all without my written permission? ) The bankruptcy being reported is reporting without my written permission. I have not provided any written, un-written, verbal and/or non-verbal consent to Experian, XXXX, and/or XXXX XXXX to report the bankruptcy on my credit report. 15 USC 1681 ( 4 ) " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' Reporting of the bankruptcy without my written consent is a violation of my privacy. 15 USC 1681 ( b ) " ... consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for 'consumer credit, ' personnel, insurance, and other information in a manner which is 'FAIR AND EQUITABLE to the CONSUMER, ' with regard to the CONFIDENTIALITY, accuracy, RELEVANCY, and PROPER UTILIZATION of such information in accordance with the requirements of this subchapter. '' The reporting of the bankruptcy on my credit report WITHOUT my written permission and/or consent is a violation according to the USC definition of permissible purposes. Experian, XXXX, and/or XXXX XXXX does not have a permissible purpose to report the bankruptcy. Furthermore, reporting of the bankruptcy is not " fair and equitable '' to me, the consumer. uscourts.gov states " Bankruptcy courts DO NOT report to ANY credit reporting agency. '' How is it that Experian, XXXX, and/or XXXX XXXX reporting the bankruptcy without my written permission? This is my third attempt, requesting removal of the bankruptcy from my credit report. I will be moving forward with an FTC complaint and seeking civil liability charges for willful noncompliance, per USC 1681n.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccuracies on Credit Reports Regarding XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit reports concerning an account with XXXX XXXX  XXXX The information reported by Experian, XXXX, and XXXX reflects inconsistencies and misrepresentations that are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, my concerns are as follows : Misrepresentation of the Credit Limit : My credit report lists a credit limit of {$6900.00} for the XXXX XXXX  account. However, this account has been charged off and is no longer active. Listing a credit limit on a charged-off account constitutes a misrepresentation, as I am unable to utilize this credit line. 
Misleading Available Credit : XXXX inaccurately reports that I have an available credit balance of - {$2300.00}. This figure is misleading and mathematically incorrect, creating confusion regarding the true status of this account. 
The reporting of a charged-off account with an active credit limit and misleading available credit figures violates my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the use of false, misleading, or deceptive representations in connection with the collection of any debt. 

The credit reporting agencies ' failure to ensure the accuracy of the information provided to them by XXXX XXXX and their subsequent misrepresentation of this account also violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Requested Resolution : I demand that the Consumer Financial Protection Bureau intervene to : Investigate the inaccuracies regarding the XXXX XXXX  account across all three credit reporting agencies. 
XXXX Experian, XXXX, and XXXX to correct or remove all misrepresentations related to this account, including the reported credit limit and available credit. 
Provide me with confirmation of the corrections or deletions made to my credit reports. 
I have enclosed copies of my credit reports highlighting the disputed information, as well as supporting documents demonstrating the misrepresentation. 

Please take immediate action to address these violations of my consumer rights. I look forward to your response within the 30-day timeframe mandated under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Property has a qualifier for veterans exemption at a XXXX XXXX  rate. In XXXX I requested to have mortgage payment adjusted due to partial veterans exemption. Freedom mortgage research the issue and stated that they verfied that taxes are correct and there is no exemption. Tax Assesor states on XX/XX/year>, they returned money back to Freedom mortgage as a result of an overpayment in the amount of {$4100.00} to be credited to my Escrow Acccount. My account has NOT been credited. Therefore i unable to enjoy the benefits of the veteran property tax exemption. I have placed several calls to the company and no one seems to know what is going nor do they no where is the {$4100.00} is
Product: Debt collection

I found this account under my credit reporting that I did not authorize, nor provide consent for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that XXXX XXXX XXXX  fix the false information on my credit report, as well as a Third Party Company representing me. They've reported that I was 120+ late on student loan payments that have been in deferment status. I have consistently completed deferment paperwork every time I was eligible. There are 5 negative items on my credit report that are false and need to be removed immediately.
Product: Checking or savings account

On XX/XX/2022, USAA locked me from gaining access to my checking account on the mobile app. When I contacted USAA I was informed that my USAA membership was cancelled and the bank discontinued to do business with me. For over a month in a half I continuously tried to contact and communicate with USAA over the phone but I was informed that the customer service representatives could not verify me to talk to me and that my membership was cancelled. On XX/XX/2022, I received a letter from USAA that my checking account was in the negative over {$14000.00} and the bank is requesting my personal information as if they never informed me that my membership was cancelled. I no longer bank with USAA so why are they continuously invading my privacy asking for my personal information as if I am still a member of their bank and the bank keeps mailing letters harassing me going back and forth saying the checking account is restricted as if I didn't request in writing and over the phone to close my checking account. In addition, USAA violated my privacy by mailing a letter without any addressed receiver knowing that multiple people I live with banks with USAA violating my privacy once again with their XXXX XXXX acts towards me since XX/XX/2022. XXXX I receive assistance from an external agency that can assist me in getting my USAA checking account officially closed and stop USAA from harassing and violating my privacy as a non-USAA member.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted Transunion and mailed numerous documents regarding my being a victim of Identity Theft and certain info that needs to be blocked and removed as a direct result of Identity Theft as shown in my credit report file # XXXX. XXXX and XXXX complied, yet Transunion declined my request to block inaccurate info due to Identity Theft. With my request, I included the multiple FTC Reports that listed the specific accounts compromised, a detailed list of inaccurate info that should be blocked and removed immediately, a copy of FCRA 605 ( b ), and proof of identity documents such as my drivers license and SS card. Transunion sent me a letter dated XXXX refusing to honor such a request. Transunion never opened any investigation into these items whatsoever to even determine the validity. If they had, then they would have quickly seen I was a victim of Identity Theft and determined such accounts listed to be blocked and removed from reporting as they are the direct result of Identity Theft. 

I have always had so much trouble with Transunion as they pick and choose what laws to follow and when to open/close investigations if even done properly.
Product: Debt collection

I told them that I lost my job and I will have another job by the XXXX XXXX. I lost my job on XXXX XXXX. I continued to make the payments until I could n't anymore like two weeks ago on XXXX XXXX I wasnt able to make payment and the have called XXXX time a day from XXXX different numbers and I have ask them not to call me until after XXXX XXXX and the man hung up and called me right back the name of the company is Easy Money.
Product: Money transfer, virtual currency, or money service

I established an account with Coinbase several years ago and established their two-factor verification system in my cellphone. Later, when I upgraded to a new phone, the verification system stopped working and, since then, I have been locked out of my account. I have communicated with them numerous times and received detailed instructions about sending pictures of my ID and face but nothing has worked. I am completely locked out of my account and fear I have lost my investment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked TransUnion, XXXX  and XXXX to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.
Product: Credit reporting

My credit score with Equifax went down XXXX points without any apparent reason. I collected all available information online and there was nothing. Apparently getting a copy of my credit report will not provide a credit score. I pay all my bills on time 100 % of the time. This change in my credit score could drastically affect my ability to get a mortgage. The entire process of credit scoring needs to be much more transparent to the consumer in order to be disputed. Knowing the rules of the scoring game in order to increase a persons score is extremely confusing. I believe that any change more than XXXX points to a person 's score should require a 60 day written notice in order to be disputed by the consumer.
Product: Credit reporting or other personal consumer reports

Earlier today, I noticed that my credit report contained accounts that should not be there, and I have no idea how they appeared. I check my report regularly, and this is the first time I have encountered such discrepancies. I tried refreshing the page in case it was a minor glitch, but nothing changed. Because of this, I kindly request a detailed review of the documents I submitted to ensure this problem is resolved permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would NOT have too be so stressed out and KEEP going through this if CFPB would DEMAND thise lying XXXX to remove these discharged accounts AT ONCE. But I see that's not happening. I am truly NOT understanding why I have to go through this. I have been through ENOUGH! I completely LOST EVERYTHING and i STILL have to fight to bring my credit report ACCURATE! That is my right as a consumer. To have my credit reporting 100 % accurate ..... 

I want everyone to witness the torture i am being put through. Trans Union is the absolute WORST. Only a few short days after i submitted the last complaint exposing the company ( Trans Union ) of fraudulently and illegally altering details on my credit report and actively reporting on an account discharged in an bankruptcy. The original loan company went out of business AFTER I filed my bankruptcy and which was several years ago. Trans Union never thought anyone would figure out the fraud reporting ring they have going on ...... But I did and will let the courts properly handle all the criminals. 

Days after my last CFPB report this is what I encountered from Trans Union. 
Trans Union retaliated on me as if this is a personal issue. Please see ALL attached evidence.
Product: Money transfer, virtual currency, or money service

PLEASE FIND ATTACHED THE TRANSACTION DETAILS IN A LETTER HEREIN ATTACHED THAT I RECEIVED FROM WESTERN UNION CONCERNING MY TRANSACTION, INFORMING ME THAT MY MONEY WAS READY FOR PICK UP. I RESIDE XXXX XXXX, NEVADA AND AM ON A BUSINESS/VACATION TRIP IN XXXX. UPON ARRIVAL AT XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX IS ONE OF THE AGENTS FOR WESTERN UNION, IN XXXX, XXXX AND WHO i BANK WITH. 
WHEN XXXX COULD NOT VALIDATE THE XXXX NUMBER REFERRED TO IN THE LETTER SENT TO ME. I CALLED WESTERN UNIONS  CUSTOMER SERVICE, I WAS TOLD THAT THE MONEY WOULD NOT BE AVAILABLE FOR SEVEN DAYS. UPON SPEAKING TO THEIR SUPERVISOR, I WAS TOLD THAT THEY WANTED TO CREDIT BACK MY ACCOUNT IN THE U.S. IN BREACH OF THE INTERNATIONAL TRANSFER THEY DEDUCTED MY ACCOUNT IN XXXX XXXX AND IN DIRECT CONFLICT WITH THE TRANSACTION LETTER THAT IS LEGAL TENDER THAT I WAS HOLDING, WHICH THEY HAD SENT TO ME THE DAY BEFORE. MY SITUATION IS THAT I TRYING TO RESOLVE THE FOLLOWING ISSUES WITH THE TRANSFER I MADE. 
1. I HAVE HEALTH ISSUES 2. I HAD A BUSINESS ARRANGEMENT THAT I WAS COMMITTED TO THAT HOLDING MY MONEY WOULD PUT ME IN BREACH OF.AND THAT HAS NOW MADE ME LOSE MY DEPOSIT. 
3. I HAVE A NON REFUNDABLE TICKET THAT HAS A TIME FRAME WITH SPECIFIC SCHEDULE OF DAYS TO SPEND IN XXXX. 
WHO WILL THEN BE LIABLE FOR THESE SITUATIONS THAT THE DELAY IN GIVING ME MY MONEY IS CREATING? 
IF THERE WAS ANY CONCERN FROM THE ONSET WHY DID WESTERN UNION NOT JUST DECLINE MY TRANSACTION.? 
I INTEND TO HOLD THEM LIABLE FOR EACH SITUATION AS IT MAY COST ME IN MY NOT RECEIVING MY MONEY FOR THE TRANSACTION I PAID THEM FOR AND WHICH THEY CONSENTED IN WRITING AND GAVE ME A LETTER CONFIRMING..
Product: Student loan

On XX/XX/2022, FedStudentLoan Servicing, PHEAA. attached a letter at my FedLoan Account regarding the update of payment counts toward my Public Service Loan Forgiveness Program. FedStudentLoan Servicing, PHEAA, never notified me in an email as they publicly promised to notify students, that my PSLF/TESLF FedLoan Account has been UPDATED and FedStudentLoan Servicing, PHEAA, counted my PSLF Eligible Payments as XXXX, with PSLF Qualifying Payments ( Total ) of XXXX. FedStudentLoan Servicing, PHEAA, stated that PSLF Qualifying Payments ( Remaining ) is 1/ONE, and Estimated Eligibility Date for PSLF is XX/XX/2022 ( XX/XX/2022 ). Should I not open my FedLoan Account, PHEAA on XX/XX/2022, I would NEVER learn about my PSLF ( Public Service Loan Forgiveness count and updated due date for my loan forgiveness ). More importantly, FedStudentLoan Servicing, PHEAA, has left out purposely ONE/1 month less payment-count toward the eligible 120 payments for my PSLF eligibility for forgiveness. This is WRONG and financially hurtful ; it directly violates my eligibility for PSLF, even though on XX/XX/2022, I uploaded my PSLF Updated Application ( XXXX/XXXX/XXXX  for my complete student loans forgiveness, signed by my eligible employer XXXX XXXX XXXX XXXX [ see the document at my FedLoan Servicing Account ]. My PSLF application was signed by my employer on XX/XX/2022, which meant that FedStudentLoan Servicing, PHEAA, PURPOSELY omitted to count ONE/1 month payment more toward the eligible 120 payments for my PSLF eligibility for forgiveness. I allege that FedStudentLoan Servicing, PHEAA, left out this One/1 payment count voluntarily, so FedStudentLoan Servicing , PHEAA, will hold longer my Loans as 'hostages ', and WILL NOT PROCESS MY PSLF FORGIVENESS. In their letter from XX/XX/2022, FedStudentLoan Servicing, PHEAA, admitted that my eligibility date is XX/XX/2022. Then, WHY DIDN'T FEDLOAN SERVICING FORGIVE MY LOANS? FedStudentLoan Servicing, PHEAA, has received all my employers 's PSLF verified and signed forms up to XX/XX/2022, which includes XX/XX/2022, or the ONE month needed to be counted toward my PSLF for my student loans to be forgiven. Thus, FedStudentLoan Servicing, PHEAA, IGNORED ALL OF THE ABOVE, DID NOT ANSWER MY EMAILS I SENT. FedStudentLoan Servicing, PHEAA does not start the process of my public loans forgiveness, which has to be regarded, as I have completed ALL REQUIREMENTS FOR PSLF/TEPSLF Program/s.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX