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

I have had a concern regarding my recent experiences with Cash App unauthorizing my transactions. I have encountered multiple instances where my payments or transfers were unexpectedly canceled, and I have not received a clear explanation for why these transactions were denied. 

Specifically, I have faced issues with my card being charged unauthorized.Despite having sufficient funds in my account and no apparent issues with my payment methods, these transactions were unauthorize without any prior warning or clear reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 70 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 70 days these items should be deleted immediately. I demand these inquiries be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Money transfer, virtual currency, or money service

Can not link my pnc account to robinhood through pnc bank
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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF THE TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The collection ( XXXX ) company called stated I owed {$1500.00} several times I attempted to tell them this is NOT my account and I pay my debt. Told them to just pull my credit report and you would see the pattern. They first connected me back in early XXXX. On XX/XX/XXXX I filed a police report with the XXXX SC police department ; Officer Report for Incident # XXXX. This company have aggressively and wrongfully harassed me, called my wife, sister and now my daughter. Also, I had a perfect credit score and because of this was denied credit or could not receive the best rate because of the false inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new hard inquiry on my credit report that I do not authorize. This company has already ran my credit score in XX/XX/XXXX ( reported on my credit report as of XX/XX/XXXX ). There is now a 2nd inquiry posted to my credit report as of yesterday, XX/XX/XXXX. I'd like this removed immediately as it is not an authorized inquiry and it effects my credit score.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification, I want a real human being to read this complaint. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but TransUnion has not yet fixed the problem nor has compensated me for federal consumer violations and damages. TransUnion continue to furnish US DEPT OF EDUCATION XXXX. I will have proof of my claims attached and I will have my Pre-Arbitration attached. Also, an invoice will be attached below. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration.
Product: Checking or savings account

My father who is in his XXXX wanted to close several smaller accounts at various banks and consolidate them at what was his XXXX XXXX account. I do have power of attorney on the account at XXXX XXXX We had him endorse a final check from XXXX XXXX in the amount {$34000.00} and endorsed it on the back as payable to XXXX XXXX and listed the account number. We did the same with a similar final check from XXXX XXXXXXXX XXXX. We put it in a US Post Office Box and addressed it to XXXX XXXX with a deposit slip for both checks. Neither check arrived at XXXX XXXX. Both XXXX and XXXX XXXX were contacted and provided tracing numbers. The police were contacted who advised filing a report with the US Postal Office which was submitted. The checks were eventually retrieved showing that an unknown party had signed underneath the account number and wrongfully submitted the forged check as their own. XXXX XXXX promptly refunded the money to my father. XXXX advised that they were contacting Wells Fargo where the funds were deposited. After nearly a year they explained that Wells Fargo was wrongfully denying liability because the check had originally been signed above and endorsed to XXXX XXXX. Wells Fargo was refusing to communicate or answer any queries whatsoever regarding the matter further. I am an XXXX in California. I have contacted an attorney who specializes in such banking cases. He agrees that Wells Fargo is deliberately delaying in hopes that their wrongful behavior will not be pursued. The matter deserves to be publicized and punitive fines are in order for this despicable conduct. We are exploring a class action lawsuit attempting to locate other consumers who have been treated similarly by this established pattern of behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB on My credit report twice First hard inquiry-XX/XX/17-National Credit cards/Airline Second hard inquiry-XX/XX/17-National Credit cards/Airline Both of these are completely wrong- I have tried calling SYNCB, National Credit Cards, XXXX XXXX and XXXX   and I keep getting the run around.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Lawful Notice of Dispute TO : CREDENCE RM RE : Account Number : XXXX To Agents or Assigns at : CREDENCE RM I am in receipt of a computer-generated letter from your company dated XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and CREDENCE RM. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g.

Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Product: Vehicle loan or lease

I was told my son XXXX XXXX XXXX XXXX ) needed a co-signer. Upon visiting the dealership I noticed I was being kept for a long time and my DL was required for ID purposes. Unknown to me, the dealership was looking for finance companies that would approve my credit for a loan. I was told the loan was ALREADY approved prior, but my son needed a co-signer. After checking my credit reports I noticed that I am listed as an applicant and I have a loan of {$31000.00}. The finance company at the dealership ALONG WITH THE XXXX XXXX XXXX, told me my name will drop after 8 months and he ( son ) could refinance. After the loan closed, each of them recanted and said they did not say this. This is the letter I sent to the salesmen, ALL CREDIT BUREAUS, and the finance company : ALL accounts should be updated to balance paid in full OR paying as agreed This information was reported from GM Financial. Merchant reports I am a joint owner on XX/XX/year>. This is incorrect. I am providing the lender a copy of this letter. I should have been listed As a CO-SIGNER ONLY, WITH THE UNDERSTANDING IT IS FOR 6-8 MONTHS. 

*Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate. Additionally, I will Note to the lender this information is incorrect/false and will be reported to CFPB if not corrected.
Product: Debt collection

I was issued a credit due to me by XXXX the refund was sent to a closed XXXX cc account. Instead of returning the funds to the issuing company so that they could send me a check, XXXX XXXX sent the funds to a collection agency that they had sold the discharged debt to, PYOD. The debt sold to PYOD was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called P.Y.O.D has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
XXXX sold the debt to POYD, who is managed by Resurgent Services and that they are all under the umbrella of Sherman Financial. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including XXXX and all of other company 's names included as I am not sure which ones are considered collection agencies! XXXX sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the XXXX account numbers and balances that they collected in XXXX of XXXX.
Product: Payday loan, title loan, or personal loan

My complaint is against One Main Financial for emotional distress and other damages. I have been paying $ XXXX/month two years now for a loan in the amount of {$1500.00} and there is no end in sight. Someone needs to stop these predators in what they are doing. They are acting like we are in a country with no law and they are doing whatever they want I will forward all the records so you can see yourself how these predators are taking advantage of me. 

One Main Financial contact persons are XXXX XXXX and XXXX XXXX. I have been dealing with them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
and can help your score. 

XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

I have repeatedly had problems with Home Depot CitiBank in trying to get credit information and in making payments. Although my login information is correct, I am repeatedly denied access due to what is contended incorrect information. Changes to user name and password yield the same results. In making calls to get information, I am asked for my social security information, the last four of my account number, and my zip code. When I enter the correct information, the error message is that the information is incorrect and I have reached the total number of calls allowed. I have made it clear that I did not want electronic statements and ask that statements be mailed to me. Without my authorization, my account is changed back to electronic statements. Therefore, I can not login to my account to see my statements. I can not speak to anyone on the telephone about my account and I can not receive information so I can make payments. I have another account with CitiBank for Best Buy and the same problems occurred. I was recently able to reach the company. I was told that they had a " glitch '' in their system and new cards were being distributed with a passcode so I should have no more problems. CitiBank Home Depot will not even acknowledge the problem. They have now turned my account over for collections and will not accept payments on the account. Of course, this has now damaged my credit. I know it seems odd that a company would refuse payments, but that is simply what has occurred. Rather than believing it was deliberate because they are losing money, I believe it is simply incompetence and a lack of concern over customer care. I was finally able to reach CitiBank Home Depot customer service in XXXX today. I was transferred three times to XXXX people to try to resolve the situation. They, too, said they could not confirm the account. I was finally transferred to a customer service person in the United States who told me that since the account was in collections, they could only accept a " final '' payment.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Debt collection

Affidavit of Denial XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear Client Services, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a reporting issue with a debt collector Real Time Solutions. They bought a debt from XXXX that they are reporting as a real estate mortgage secured loan. The loan reporting was a personal loan. Our house was foreclosed in XXXX they bought the debt in XXXX and havent updated the file on XXXX   since XXXX. The Lien on the house was released in XXXX and they bought an unsecured debt in XXXX. They are reporting late payments for almost 3 years and have never contacted us and the required 5 day period after they bought the unsecured debt they did not notify us. I hired an attorney and I will attach the letter sent to Real Time Solutions. I have also notified XXXX several times to no avail. They will only let Real Time Solutions change the reporting. I have never entered or had an ( XX/XX/XXXX as they did not do as they said they would and erase the erroneous info ) agreement with Real Time Solutions and have asked them to remove this erroneous account to deaf ears. They claim it is a mortgage and an installment loan and it is clearly not. I have sent the documentation including all deeds and XXXX XXXX County deed and sale records. Real Time Solutions is not listed. They are reporting this as a payment loan when it is simply a collection that they are illegally reporting as a mortgage. 
I am asking to have this account removed and placed as a collection. I entered a temporary payment agreement with them and promised by XXXX XXXX that they would erase the erroneous reporting and nothing was done. They actually updated the account to current and made our situation worse. Please delete this illegal account Ty
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX & T/TSYS with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.