23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have spoken with numerous, I mean numerous customer service reps. at TransUnion , LLC trying to fix things that TransUnion , LLC were reporting incorrectly on my credit report. All of the customer service reps. have either been extremely rude, unwilling to help or transferred me to a co-worker who pretended to be a supervisor who did nothing to assist with the issues! But, when the Consumer Financial Protection Bureau got involved some of the issues were taken care of and some were not. I was recently notified by TransUnion , LLC subsidiary ( XXXX ) that TransUnion , LLC just recently made a name change on my credit report. I spoke with TransUnion , LLC months ago regarding my name and they corrected the names on my credit report. Now they are reporting XXXX, XXXX, XXXX, XXXX and XXXX, XXXX some of these are the same names backwards! The only names that should be reported are XXXX and XXXX those are the names that I legally use! The other two names need to be removed because it appears to creditors on my credit report that I am using multiple names! Also, I 've spoken with TransUnion , LLC several times about a hard inquiry on my credit report from " XXXX '' on XX/XX/2016. After contacting XXXX I was told by a card services manager that this would be taken care of and removed! The card services manager explained that this was fraudulent activity that they caught in time. They said someone tried to apply for an XXXX Credit Card which is owned by XXXX and so they notified me because they thought it was fraudulent activity. I confirmed that I did not apply for this credit card and XXXX said that they sent the necessary paperwork to TransUnion , LLC to have this hard inquiry removed from my credit report! When I spoke to TransUnion , LLC they said that the hard inquiry from XXXX was not reporting on my credit but it is still there! This hard inquiry has caused points to be removed from my credit score and this hard inquiry needs to be removed immediately! Finally, the points that were removed by TransUnion , LLC when they illegally removed my first paid off and closed auto loan XXXX from XXXX recently still has not been added back to my credit score! I 've spoken with TransUnion , LLC regarding the mistake that they made and they have added back the closed auto loan to my credit report but they have not added back the points that were taken away when they removed this closed account by mistake! All XXXX of my points need to be added back to my credit score by TransUnion , LLC! The other issues that were brought to my attention recently is being handled by the creditors with TransUnion , LLC so I 'm not disputing those issues at this time. But all of the above mentioned issues and errors in this complaint are being disputed by me right now and needs to be corrected! Thank you! ( Please see supporting documents attached )
Product: Money transfer, virtual currency, or money service

XXXX. XXXX. Claims to help get XXXX  loans forgiven. Asked {$2500.00} plus to do it. Claimed they were operating under the XXXXXXXX XXXX  XXXX act of 2010 and anything that president biden was doing. They wanted debit info etcetera. Checked them online. There were claims of being a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

last year I discovered that there where many fraudulent accounts on my credit report, and I did go to the XXXX  POLICE department and filed a ID Theft report and also I went online FTC site and did the same with them. And I did send all the required documents and copies ( several times ) to Equifax several time with a request to open an investigation and to remove the fraudulent accounts from my credit report. Its been almost one year Equifax is refusing ( ignoring ) to do their responsibility.
Product: Credit reporting or other personal consumer reports

This company promises to report to all XXXX  credit bureaus. They continue to fail to report to XXXX. There are other customers on XXXX with this issue. I need to speak with an executive to resolve this issue.
Product: Consumer Loan

Paypal Credit refuses to accept settlement offer of XXXX with payments of XXXX a month or XXXX, they request payments of XXXX or XXXX for XXXX months which they have been advised I can not afford. If I could afford such a high amount then account would not be past due, the account showed payments as high as this amount prior but could not afford such high payment. They claim to have offered arrangements prior but none included a settlement, this was discussed with Paypal reps but were uncooperative. I 've detailed all this info in previous complaints which are numerous and continue to grow. Paypal reps like to lie, hang up the phone, or are uncooperative. The first rep lied saying there was a cease and desist on the account, could not discuss account with me. There was no such thing ever placed on the account, no mention of it by any previous or subsequent reps.The rep lied so she did not have to take the call, could go home before closing time of XXXX PM EST. The reps I did speak with were advised there is fraud charges on the account from an Ashford.com which run into the thousands, do not have exact total available to me .Fraud claim was denied and still insist on payment. Another rep breathed into the phone, then hung up abruptly after I said hello several times. One of the last reps by the name of XXXX wanted XXXX or XXXX a month but again, I can not afford such a high amount. Their mention of any prior offers of payment arrangement is a moot point as they do not include any settlement portion and their reps have been rude, uncooperative in calls. Paypal fails to take into consideration fraud, which they have denied as a claim. Please advise them I have a counter offer of XXXX and they have until forever to accept it.
Product: Debt collection

I am asking the CFPB to review the chain of responses that Receivables Management has given concerning this issue and review my complaint of their violation of the FDCPA. They have continued to violate the FCRA and FDCPA. Please review my attachment and then audit and investigate the operational process of this company as they have refused to adhere to the FDCPA laws as they continue to attempt to collect a debt i do not owe after FDCPA violations. 

In the confirmation letter stating they had received my dispute and that they were placing the account in dispute status while the wait on information from the supposed original creditor. Now this agency despite claiming to put the account in a dispute status continued to update my credit file without providing any validation of debt ( Violation of both FCRA and FDCPA ). Secondly at the bottom of their Confirmation Letter to me they had the statement " This is an Attempt to collect a debt '' ( a violation of the FCRA and FDCPA ), Once an account is in dispute a collection agency is to cease collection activities. Please review attachment carefully. By law, this agency is to delete this account from my credit file immediately. If not deleted they are liable to all penalties of FDCPA violations and legal actions from myself and the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

M y credit score dropp ed overnight from  XXXX  to  XXXX . I reviewed the information and found that Transunion was who dropped the score. I reviewed the information through a free credit report and found that an old debt from  XXXX  was reported. I have paid the amount off many years ago, around  XXXX , and the information on the report was also inaccurate information. This information was the direct source of my credit being effected immediately, and the cause for the  XXXX  point drop. My complaint is, a credit reporting agency knows the laws and should not have even put that on my credit because of the time restrictions.   I disputed the information and the information was removed and my credit raised back to  XXXX .   Transition should held accountable because they violated the law by posting the incorrect information that affecte dly credit score. Had  I not been diligent in my personal efforts, this would have been left unattended and had an impact that was not fair. I should not have to do their job for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of our home refinance, we received information from XXXX XXXX that TESLA XXXX had reported an outstanding balance on our account of $ XXXX report appears on my XXXX Credit Report This is not correct as we have an account which requires us to pay monthly for electricity produced by the solar panels. In conversation with TESLA Customer Service, i was told that this amount is the amount I would pay if I cancelled the account. The amount is not paid monthly although the report from TESLA showed a {$3.00} per month payment for 190 months. The monthly bill we pay is only for electricity used and is in good standing as it is paid by direct deduction from my checking account. 
One person at TESLA mentioned that they could remove the amount so I could get the refinance ; however in one week I have had no reply from TESLA to my repeated inquires.

In summary there is no billing or payment for the {$23000.00} This figure is an internal figure carried by TESLA that is not a current obligation and should be removed
Product: Credit reporting or other personal consumer reports

XX/XX/2024 views of consumer report showed illegal late payments from PNC and illegal inquiries from XXXX XXXX XXXX
Product: Credit card

I have attempted to contact Discover for over 3 months about an issue their website and the calculations of the current balance. Multiple times I have went to my activity and it computes my current balance with the following formula. Last Statement Balance - Payments and Credits + Transactions = Current Balance. However, many of the times when I review this information the math does not add up. Everyone of these times it has show that my current balance is more that it really can when you do the math. It makes it seem that Discover is simply taking this additional money and hoping that I do n't catch it. I have informed Discover of this multiple time over the course of 3 months. Every time I was told they were working on this issue but do not have an exact date as to when this problem with be fixed. Well, I have given them over 3 MONTHS to fix this issue and it still is not fixed. I feel that the company is not telling me the truth and actually are not working on the issue. This seems like a very unethical practice for a financial institution. How can a large company not resolve a simple IT issue?
Product: Debt collection

HI, I have been disputing this fraud account on my credit reports for years!! I have wrote numerous validation letters to the collection agency through the years & they have no proof this is my account, I explained to them it's not mine, & IM A VICTIM OF FRAUD/Identity theft! I never opened an account in XXXX with capital one & then capital one sold it to Portfolio Recovery Ass. In XXXX! This collection company has violated my rights several times by ignoring my requests & reporting fraud on my credit reports. I have no contract with Portfolio Recovery ( nor XXXX  XXXX  ) & they keep sending a copy of a bill with my name on it, any one can use your info & create an account! It's against the law for a 3rd party collection agency to report on my credit reports with no validating contract & signature, for more than 120 days. I am fed up with this company! I deserve for this fraud to be off my reports asap. I have already filed an identity report with the federal trade commission & they still are illegally reporting this fraud account on my credit report to XXXX XXXX, XXXX has removed it, I appreciate if they remove this fraudulent acct. ASAP It is hurting my credit & I don't deserve this, when it doesn't belong to me! 
THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate erroneous and Unverified inquiries in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing this complaint with Cash App for failing to due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address my 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 error resolutions under the transfer under the electric fund transfer act ( EFTA ) and regulations E.These actions have caused significant inconvenience and finical loss and I seek appropriate redress for these violations
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Product: Credit reporting

This is now part XXXX to my initial dispute with Equifax. Not only did they unblock XXXX items on my credit report, not only are they not blocking XXXX total accounts that are a result of ID theft, not only are they showing my valid XXXX XXXX in perfect standing as Collection and Skip status but today to make matters worse on my latest report, they show XXXX XXXX listed XXXX with the same account number but XXXX is a {$30000.00} car loan. This case against them is to now remove the XXXX XXXX XXXX showing up as my car loan and then also resolve the initial XXXX XXXX that is showing as Collection and Skip as it is a valid account. I am uploading the original complaint showing that XXXX XXXX is a valid account and now part XXXX showing how they added XXXX XXXX again, same account number as an auto loan.
Product: Mortgage

I am currently selling my house, it's in Escrow, and due to close XX/XX/XXXX. I asked for a net sheet from the Escrow company. I noticed a charge for {$1000.00}. When I called Dovenmeule to inquire about this charge, the representative was very vague and was unable to completely explain it. However, they said it was most likely due to my bk.

Long story short, I just discharged and closed a bankruptcy back in XXXX. 
I explained that to them and that this was my primary residence and it was never in bk nor did I make any payments through the trustee. They said I would have to write them a letter explaining this and sign it. I wrote the letter and emailed it as requested. A few days later I received a response stating that this erroneous charge was due to the bk and they were not going to remove it. So, I decided to write my bk attorney. He looked into it and discovered that this charge had nothing to do with the bk and all my financial obligations were paid in full. He also stated He didn't know where this charge is coming from. 

I decided to do some research of my own regarding this company. They have over 535 complaints in the last 3 years on the XXXX, 1-2star ratings on XXXX and XXXX and about 5 law suits brought against them. Anotherwards, these dishonest practices are there normal way of doing business. My purpose for writing this is to have them be HONEST for once and remove this erroneous charge completely off the payoff statement.
Product: Credit card

On XX/XX/2024 I paid my water bill {$140.00}. When I submitted it to the water company they immediately sent me a confirmation notice that the funds were on my Discover card and the payment was successful. 
Here is the confirmation # I was sent with the amt I paid the water company. 
============== " Confirmation number : XXXX -- Full amount of transaction : {$140.00} '' If there would not have been enough money to cover this bill the water company would have immediately displayed a message saying " Payment was not successful '' BUT -- - the payment was successful.

================ I checked my Discover card online thru my laptop XXXX XXXX -- As soon as I paid the water company, the {$140.00} was pending and was immediately taken out of my " Available Credit ''. 
On XX/XX/XXXX I received an email from the water company saying I was past due on my payment. When I called them the rep said Discover had declined my {$140.00} payment a few days later after they had taken that amt out of my " Available Credit '' and set it aside to pay the water bill when the water company would take it from Discover. 
================ The Discover rep said the funds were not available to pay the bill, that I was over my limit. 
They are lying. They deducted the {$140.00} from my " Available Credit '' on XX/XX/XXXX. 
On XX/XX/XXXX there was more than enough money on the card to cover the water bill, that's why the water company sent me a notice saying " XXXX was successful ''. 
================ Discover removed my {$140.00}, refused this payment to the water company after it had been set aside to pay this bill and did not put back the {$140.00} into my " Available Credit ''. 
================ In short, they are lying, they stole my money. I want it back immediately. 
In PA stealing {$140.00} is a XXXX degree misdemeanor, that carries a penalty of 2 years in prison, with a {$5000.00} fine. But this bank can steal my money and there are no criminal charges. Well, we'll see. I am going to contact the police to file a criminal complaint against them if I don't get my money back. I will also be in contact with my lawyer. 
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