23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am behind in my mortgage and learned from a letter from Citifinancial in XXXX that my home was to be auctioned XXXX XXXX. The phone number on the letter resulted in two days of calling and being transferred to at least XXXX different numbers to try to find someone who could give me information on my home and my loan and an amount to pay to stop the auction. I work out of state. My children are grown or away at school and we only get to come home once a month on weekends. I was informed in XXXX 2016, the amount I would need to pay before the XXXX of XXXX 2016 was {$36000.00}. Unfortunately my husband was hospitalized XXXX XXXX. I was able to make the wire transfer on Monday, XXXX XXXX as soon as local branch opened at XXXX. I was told by my bank that Citifinancial should receive the money by XXXX. Of course they did not post the funds to my account but I did call Citifinancial 's Massachusetts XXXX on Tuesday to inform him that I had made a wire transfer for an amount to reinstate the loan. He was kind and offered to send a message from his side to inquire about the receipt of the money. Apparently my auction date is XXXX XXXX, and not XXXX XXXX as stated in the letter I had received! Later in the afternoon, I received a call from a Citifinancial rep that they had received my wire transfer but that the amount was not sufficient to reinstate the loan. I was told I had to pay {$2600.00}. immediately. ( a monthly payment ). I do not have this amount to pay and will not have this amount to pay until the end of the month. Meanwhile, I am receiving so far XXXX3 calls a day about this amount and I have also received a call from a Citifinancial rep identifying herself as a supervisor and insisting that the money sent to Citifinancial would be returned and the auction proceed unless I made the payment immediately. 

Please note, I have not been served any papers about auction or foreclosure. I have noticed that my home has been listed on real estate websites for about 160 days as preforeclosure and auction. I am desperately trying to keep my family home. I will be able to continue with the monthly payments, I just can not make double payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX On XX/XX/XXXX i sent out a dispute stating that my charge off was reporting C/O every month and for that to be fixed and XX/XX/XXXX I received a update on XXXX website that is it was updated but the information obviously was not its still reporting C/o every month to my knowledge under the FCRA that is illegal for the credit bureaus to do so. On XXXX XXXX i sent out a dispute on the account listening that XXXX was reporting a high balance of {$0.00} and transunion was reporting the same account high balance as {$410.00}. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is their duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. So i asked them if they could Please DELETE this erroneous item immediately but got no deleting or any information after that I have also added a screenshot of the listed account as of XX/XX/XXXX and as u can see it was last verified on XX/XX/XXXX and theres still errors on the account.. The high balance is showing {$410.00} on transunion & XXXX is reporting a {$0.00} balance.. Also Transunion is reporting the open date as XX/XX/XXXX but XXXX is reporting it opened on XXXX Third error on this credit report is that transunion is reporting a closed date of XX/XX/XXXX XXXX doesnt have a closed date
Product: Credit reporting

I have contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute several inquiries that appear on my credit report I did not initiate or authorize. Furthermore I have asked Experian to contact each of this companies to request proof of me requesting credit or completing credit application. I would like for all inquiries highlighted on attached credit report to be removed
Product: Checking or savings account

On XX/XX/2022 at XXXX, I received an email alert from my Direct Express debit card stating that they suspected fraudulent activity on my card and to respond Yes or No to a {$200.00} atm cash withdrawal at Comerica Bank XXXX XXXX , CA if I recognized it. I immediately responded NO and the alert stated the that the transaction was declined and my card was deactivated. I was out the country at the time of this fraudulent transaction and the debit card was in my possession the entire time. Upon my return to the states on XXXX XXXX, 2022, I checked my debit account and I realized that the {$200.00} withdrawal was in fact taken out of my account even though the email stated that the transaction was declined. I immediately called Direct Express and informed them of the situation. I was told they would look into it and get back to me. Two days later I was notified that my claim was denied because a physical debit card was present using my pin. Im pretty certain that Direct Express is fully aware of such thing as skimmers out there that fraudulently take peoples money. This is my XXXX money and only source of income. Its not right of them to deny my claim when I was out of the country and did NOT authorize this transaction nor was the card physically present at the ATM because it was with me in XXXX from XX/XX/XXXX to XXXX XXXX,2022. Its no wonder why they are in a legal class action lawsuit given this type of fraud happening with their debit cards. Why cant they check with Comericas ATM surveillance to see if it was me? This is theft and I want my funds returned.
Product: Money transfer, virtual currency, or money service

For the past two months I have been using the Moneygram service to send my housing payments to the person who was going to rent an apartment for me in XXXX XXXX, New Jersey. This person 's name is XXXX XXXX. The monthly rent was {$690.00} which supposedly included utilities. On the apartment lease that I signed and was also signed by this person, it was established that I needed to make three payments : security deposit, first and last month of rent. Three payments of {$690.00} were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the money was picked up at the Moneygram location minutes just after the transaction was made by XXXX XXXX ( 1st payment ), XXXX XXXX ( 2nd payment ), and XXXX XXXX ( 3rd payment ). After the last payment was sent on Monday XX/XX/XXXX XXXX XXXX who was the " landlord '' was supposed to ship the apartment keys to my address. From that moment this person has been MIA, not answering phone calls or text messages or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had 2 auto loans at a financial institution that had incorrect account maintenance completed in XXXX of XXXX. This resulted in them closing out the two loans and then having to re-open them under a different loan number. This was fixed promptly and without any issue from the financial institution and they acknowledged it was their mistake. 

Around the end of XXXX of XXXX, I checked my credit score through a service that shows TransUnion 's XXXX XXXX credit model. I noticed my score had dropped significantly, XXXX  points, in the previous month. Thankfully, the service I was using allows me to view my credit report and if there were any late payments. I saw that the 2 auto loans that had account maintenance done on them showed a 120+ day late payment for each auto loan. I've never made a late payment on either one and after checking with my financial institution, they told me neither loan was ever reported late to any credit bureau. It took me a few months to figure out who was at fault for the incorrect reporting, but ultimately I found out I needed to submit a dispute to TransUnion. 

I called TransUnion and submitted a dispute on XX/XX/XXXX. By XX/XX/XXXX I got a result on the dispute that their reporting was accurate and no changes should be made. Even though that was their response, I checked my Transunion XXXX XXXX credit score and it was back to normal, so I assumed no further action was needed. 

One month later I checked my Transunion XXXX XXXX credit score again and it had dropped about XXXX points again due to the exact same reason that I thought had been resolved. After checking with my financial institution, they told me they never received an inquiry from TransUnion in order to check if those accounts were late. To my understanding, that is the whole point of a dispute, the credit bureau should be checking with the financial institution if their reporting is correct. Otherwise, they are knowingly reporting unconfirmed information. 

This time, I obtained a written letter from my financial institution that all my accounts have been paid as agreed and no payment has ever been late. I submitted a new dispute to TransUnion and this time it took about three weeks to get my results. This time they acknowledged that changes have been made due to incorrect information on their end. I assumed that this would mean that my credit reporting would be updated, but my TransUnion XXXX XXXX score still reports about XXXX points lower than expected due to 2 delinquent payments. 

One of the auto loans has a joint borrower on it and their credit score has also been affected the same way mine has. Both of us submitted disputes and provided letters from the financial institution, but both of us still have incorrect reporting. 

It took multiple attempts for TransUnion to do a legitimate investigation into my dispute and even after acknowledging that they had been reporting incorrectly, they are still reporting incorrect information. I'd also like to note that XXXX and XXXX were always reporting correct scores, neither showed any late payments at any point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened a collections showing XXXX XXXX as original creditor on XX/XX/XXXX in the amount of {$1800.00} and last reported on XX/XX/XXXX. So ( 4 years ago ). No longer showing up on my credit report. 

Now showing up on my credit report is a collections account through I C SYSTEM with opened on XX/XX/XXXX showing XXXX XXXX as original creditor in the amount of {$1800.00}. Which renewed the age of the collections account to 2 years and 11 months. 

It is my understanding that the time doesnt renew because another collections agency buys the collection.
Product: Debt collection

I have a fraudulent account on my credit report that I have never heard of
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 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, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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, credit repair services, or other personal consumer reports

Please remove the fraudulent hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX from XX/XX/2021. Attached is the letter from XXXX XXXX XXXX XXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.
Product: Credit card or prepaid card

Back in XXXX I had some fraud on my stolen card at the time I owed XXXX the part that was mine they told me to pay so I did they told me what was left the XXXX they would put in fraud shut the card and issue a new one. The whole time I thought everything was in control on the new card if I purchased something I would pay everything but the XXXX I get a call several months later with a bill over XXXX because they have been reporting my card late and charged late charges. Talked to a XXXX first she said she would clear everything never did. I talked to a XXXX he took off all late charges but never fixed the XXXX and then said I had to resend for the 5 th time what I dispute I called him back 12 times no one calls back. I am on a automatic call from XXXX XXXX XXXX
Product: Checking or savings account

PNC customer service representatives systematically misinform customers about the promotion term and provide false information so PNC can deny the bonus. At the same time, they state they are responsible for what they state, are the PNC employees and speak on behalf of the company. It happened to me twice already. First in 2020 the customer service representative provided false information when the previous account was opened, and they denied the promotion. This time I carefully asked all the questions before opening the account. The terms contain ambiguous language, which require understanding ad where the 24 month period start. Many banks in the same situation use account opening date. ( XXXX, for example ). The attachment shows the customer service representative clearly stated the same thing - 24 months from the date of the previous account opening. Now PNC tries to deny the bonus, at the same time stating the company is responsible for what their customer service employees stating - by the very customer service employees statements ( attached ).. 
As a XXXX XXXX XXXX, I feel extra deceived when I try to be extra careful and ask the customer service employees to interpret the terms, and then they refuse to honor their OWN interpretation! - and telling me that as a XXXX I should understand better that the customer service representative!. Quite insulting and abusing for a XXXX XXXXo be deliberately deceived in my face. I hope the XXXX government agency will protect me. from it..
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX in regards to an account on my credit file named XXXX  XXXX XXXXXXXX  Visa. They responded with their generic response that this item is being reported accurately. I then contacted Experian again on XX/XX/XXXX requesting that they re-investigate this account XXXX XXXX XXXXXXXX  Visa as being accurate. I advised Experian that I had also contacted XXXX  and XXXX with regards to the same account. 

XXXX reports status as Charged Off, Experian reports status as Transferred, closed, XXXX   reports this item not currently reporting on the credit file. 

XXXX reports payment history as XX/XX/XXXX OK, XX/XX/XXXX OK, XX/XX/XXXX 30, XX/XX/XXXX 60, XX/XX/XXXX 60, XX/XX/XXXX 90, XX/XX/XXXX C/O, Experian reports payment history as XX/XX/XXXX OK, XX/XX/XXXX 30, XX/XX/XXXX 60, XX/XX/XXXX 60, XX/XX/XXXX 90, XX/XX/XXXX 120, XX/XX/XXXX XXXX. XXXX reports this item not currently reporting on the credit file. 


I asked Experian how is it that all 3 major credit bureaus are suppose to report only accurate information, that they are the only bureau that has come back stating this account is mine and reporting accurately. I advised Experian that I believe their information to be inaccurate. I asked Experian to please send me names, address and phone numbers, who they contacted at the company and copies of documents with my signature showing that I have opened this account. 

I still received the same response that they verified the information as accurate. 
So they want me to take their word for it, however they will not take mine. 

This inaccurate information is jeopardizing my chances with a company that I have applied for a job.
Product: Debt collection

I received a notice in XX/XX/XXXX from XXXX XXXX this collection was added to my credit reports. I obtained the collection agencies information and contacted them. I spoke with a representative and she asked for my name, address, social security number and address. After providing all of this information,, the representative stated she does not have an account for me or any of the information I provided and I must dispute this with the credit bureau directly. I disputed this immediately with the credit bureau and they have not removed it. It was updated to included in bankruptcy. I have not opened or used any utility accounts in my name since XX/XX/XXXX. If there was ever an account with an XXXX XXXX XXXX XXXX it would have been included in my XX/XX/XXXX bankruptcy and that is beyond ten years to remain on my file. The credit bureau has refused to provide the information in which they verified the date this account was opened and when the collection agency took over this account.I am even unable to get my dispute results from the credit bureau even though they've emailed me that my dispute results are available. Every time I enter my information to obtain the results, XXXX XXXX  and XXXX websites all say technical difficulties for the past week.
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 practices which violate the customer financial protection 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Ive told this company that I cant not be contact at work, they called me XX/XX/24 Ive answered explained the situation in which theres a legal matter going on with this car the car dealership sold a vehicle that broke down in the first 30 days Ive tried to no avail with this company as well as the car dealership to the point that I had to obtain a lawyer. I received a second call same day at first I said this isnt to cease communication please just dont call me the same day I already made contact. After the agent said they can still call me even if they spoke to me already in the same day I advised if feel like that was harassment and dont call me anymore, today XX/XX/24 I received another phone call from the same company.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested Experian to remove inaccurate information from my credit report. As result, I didn't receive any results. Therefore, they are in violation of the following, 15 USC 1681e ( b ) Compliance and procedures 18 U.S.C. 1028A 15 USC 1681b Permissible purpose of consumer reports Fair Credit Reporting Act Section 1681b ( c ) 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : 15 USC 1681b - permissible purpose of consumer reports. 

Therefore, I filled another dispute on XX/XX/XXXX. As a result, Experian responded with an old dispute which the company tried to link to the more resent dispute. In response, I filed another dispute on XX/XX/XXXX to received updated results. I'm requesting Experian to delete the following accounts that included in my most recent dispute. If this action is not taking, I will be forced to take legal actions.
Product: Credit reporting or other personal consumer reports

In reviewing the attached credit bureau report issued by your agency, I have discovered an mistake. The following ITEMS are reported inaccurately : 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 card

I've consistently ensured that payments on this account are made promptly, never allowing them to be overdue. I'm uncertain about the reasons behind the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up the morning of XX/XX/2016 to an alert sent to my email for a decrease in credit score. I sent off for my report to access for any changes in activity and I notice that open road lending had accessed my report without my consent. I contacted the company directly to attempt to remove the inquiry and was told it would be removed. I never gave them permission to access my credit. Recently, after applying for a home mortgage I notice that this inquiry is still reporting negatively.