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

My checking account is linked to XXXX XXXX to pay my phone bill monthly. In XXXX, {$170.00} was deducted from my account XXXX times for the same bill. Upon noticing this, I contacted the bank to report the unauthorized transactions, and they advised me to reach out to XXXX XXXX for a refund. Despite contacting XXXX XXXX, they insisted the funds were properly dispensed. I don't have a XXXX XXXX card, and the deducted funds aren't accessible on XXXX XXXX. My phone company was not overpaid. I informed the XXXX  XXXX XXXX XXXX 's response, but they claimed there's nothing they can do. Despite multiple calls, the bank hasn't resolved the issue, and my funds, protected by FDIC, remain inaccessible. The bank 's failure to safeguard my funds and address this issue is concerning, as someone fraudulently withdrew money from my account, and the bank has yet to rectify the situation. The claims manager whose name is XXXX was extremely rude and unprofessional, when I asked her about the status of the dispute, she simply told me that an executive decision was made and a refund will not be issued. I asked for evidence of the investigation and she hung up on me. I called multiple times and I have attached the log in the screen prints below.
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. Act The Bureaus, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Debt collection

There are two collection agencies trying to collect on this one account that is not owed by me. Convergent outstanding I have never had an account with them or XXXX.
Product: Vehicle loan or lease

XXXX I provided documentation of my husband 's enlistment into the military XXXX XXXX requested information from Arivo Acceptance over the phone about current interest rate on vehicle and to lower to XXXX % per SCRA and what documentation was needed XXXX I called the Arivo to get information on if our interest rate was going to be lowered, was informed that I could provide paystubs to state that he was XXXX XXXX, later that day I emailed copies of all paystubs needed XXXX Arivo informed me that they would not be able to accept the paystubs and needed other documentation to prove he was XXXX XXXX XXXX I provided official documentation stating that he was XXXX XXXX XXXX- XXXX XXXX I called multiple times asking when our new interest rate was to be enacted and why it hasn't, was provided no specifics and told it would happen XX/XX/XXXX I called stating that I was going to seek legal representation as we were unable to come to a resolution, spoke with a manager and was asked to give them one more week and that it would be complete XXXX I called and spoke with same manager and it was not completed and I provided the same documentation as before through email stating my husband 's XXXX XXXX status XXXX I met with a military lawyer to obtain next steps, drafted an email to send to arivo and was advised to submit complaint if I heard nothing from arivo regarding this issue XXXX I sent an email to previously mentioned manager stating, that I had been erroneously paying a XXXX  % interest since XX/XX/XXXX and that I was entitled to XXXX  % or less under SCRA. I continued by saying if something was not done in the next XXXX business days I would be filing a complaint with the CFPB, and further requested proof of receipt, proof of calculations, proof of rate change, and that the total amount to be credited to my principal balance
Product: Credit reporting or other personal consumer reports

I've recently gone through my credit report and noticed inaccuracies and discrepancies in the listed accounts. 

XXXX : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 
5. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report. 
6. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report. 
7. The status is incorrect for the following account Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
8. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 


XXXX : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


TransUnion : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting

After a complaint has been investigated with Trans Union, it is impossible to obtain the free updated report they are required to provide. When you go to the website which offers a " Free report '' you can only proceed if you agree to be charged {$11.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status incorrect, showing open account as closed, showing delinquent account and negative payment history when account is not. Reporting on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal permission Per 15 usc 6802. This is effective immediately.

For only the accounts and inquires listed in my complaint. The Law states it is illegal to report transaction history.

Who gave you the CRA, and these other companies permission to furnish my privacy. This is a violation of my privacy, and your duty as a transfer agent to my ACCOUNT. You are damaging my reputation with false information. 

I want the listed information removed and my score updated immediately.
Product: Debt collection

I received letter from XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) that they attempt to collect a debt on behalf of XXXX. 
I do not do business with XXXX, and I don't think XXXX is in the business of lending money anyway.
Product: Credit card or prepaid card

I am an authorized user on my mother 's credit card ( XXXX XXXX ) with Capital One. Capital 1 is not reporting the account to the 3 credit Bureaus, which they are supposed to be. Capital 1 was reporting with one bureau which wasXXXX and it was deleted from the credit report and XXXX indicated that Capital One is the creditor that removed the account and XXXX  indicated that the creditor Capital One would have to reinsert the account on the credit report. I am baffled as to why the account is not reporting to the bureaus and want the account reported to the three bureas immediately, XXXX, XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

Today, Wed XX/XX/2024, I went to a citibank XXXX to order a cashier 's check in the amount for {$48000.00} to pay for a car I bought. I provided my ID and went through all the verification process they asked me to, including receiving a pin to confirm my email and another with my phone number. the agency asked me to call customer service to do the verification again, which I did from the agency. After almost an hour, the bank refused to issue to cashiers check, claiming security concerns. Yesterday, Tuesday XX/XX/XXXX I funded the account by transfering {$50000.00} from one of my other accounts and the money is in the account, however I'm unable to access it. I was able to talk to the dealer and I wrote a personal check instead of the cashier 's check. I called customer service twice to ensure the cash would be paid and to my surprise the representative said the check would not be paid and I'm unable to even withdraw cash on an ATM. 

This is my money, that I won through honest and hard work and by making investments on the stock market. A bank should not have the right to sequester my money and not give me an explanation on why they are doing this. This account also has my paycheck direct deposit, which means any money that gets into the account is unaccessible to me and I won't be able to cover my living expenses, and I won't be able to change the direct deposit for the next XXXX weeks. Their customer services representative were not helpful, and at the agency one of the employees said the bank has the right to withold my money and not explain why, which if it is true makes me wonder how and why we trust the banking system. I'm now having concerns that Citibank is facing liquidity issues and is trying to avoid withdraws. They are saying a response from their teams will take between 24 to 48 hours, which doesn't assure I will have access to my money.
Product: Payday loan, title loan, or personal loan

Insight capital went into my account without my authorization and withdrew all of the money out of my account. They never once notified me or asked me anything. I never authorized theffm to do this
Product: Debt collection

Portfolio Recovery Associates purchased old alleged debt back in XXXX that contained factual errors. Out of greed and arrogance, ignorance and incompetence they ignored the OCC. XX/XX/XXXX guidelines on purchasing unverifiable, inaccurate and unsubstantiated debts. Parked these debts on my credit reports in XXXX. Reported these asserted debts as opened and as collection accounts after the SOL dates for legal collection thru the courts had expired. I have disputed these alleged debts and have tried for the last 2 years to get them to provide legal validation these debts are mine and I owe the amounts they claim and are reporting to the credit agencies I owe. I have asked the credit bureaus to investigate and they have claimed the accounts were verified, and certified as accurate. I continue to dispute their reporting and asked for their methods that determined these accounts were accurate. PFA has never sent me anything that provided legal validation. They have continually updated these accounts monthly since XXXX. Their reporting as been very harmful and detrimental to my credit scores by having collections on them. I don't know what else to do. How can they continue to report to the credit bureaus?
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Some accounts listed have inaccurate reporting regarding amounts and dates.
Product: Debt collection

After asking to stop these credit cards because i no longer need them and it was agreed and the interest began to grow after paid up. I have asked them several time to cancel. After getting my credit reports from all beaus i noticed they have been placed in collection. I am asking for them to be removed and delected from all XXXX credit bureaus immediately. I have been desputeing these item over and over again.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

Dear Sir/Madam, I am writing to file a complaint against Experian Information Solutions Inc. and to seek your assistance in addressing while when I paid off my personal installment loan on XX/XX/2024 I lost XXXX points. My credit score went from XXXX to XXXX after I paid my installment loan off? I am in good standing with all my creditors!!! I have never missed a payment and always pay my bills on time. I lost XXXX points just for paying off a personal loan on time and never missed a payment!!! When I paid off my car I lost XXXX points!!!! My debit to ratio is low ( 10 % ) and I have exceptional on payment history, amount of new credit and credit mix. Good in the length of credit history. So can someone give me an answer because Experian could not provide an answer??? Can someone provide the factors that went into this scoring please? 
I have worked hard on my credit just because I lack of recent activity from a non-mortgage installment loan in my credit profile. I lost XXXX point. It is a horrifying clarity to systemic racism. 

I contacted Experian by email on XX/XX/2024 and they share that this is what the impactful factors affecting my FICO Score. 
Lack of recent non-mortgage loan information HURTING You have a lack of recent activity from a non-mortgage installment loan. 
Your credit report shows a {$0.00} balance on your non-mortgage loans ( such as auto or student loans ) or a lack of sufficient recent information about your loans. Having a non-mortgage installment loan with no missed payments and a low balance along with other types of credit demonstrates that a person is able to manage a variety of credit types. Having a 0 % installment loan balance to loan amount ratio is considered slightly more risky than having a low installment loan ratio. 

Credit reports and scores reflect stunning XXXX disparities. Study after study has found that XXXX and XXXX communities have lower credit scores as a group than XXXX and Asians. The XXXX disparities in credit scores are due to deep structural factors, created by centuries of intentional and legalized discrimination as well as present-day biases. According to XXXX XXXX XXXX XXXX XXXX This XXXX wealth gap didnt happen by accident. It was caused by centuries of discrimination, redlining, and ongoing systemic racism. As long as they keep your credit score low the higher the interest you pay!!!
Product: Credit card or prepaid card

I am an user of Uber credit card issued by Barclays. On XXXX, there is an unauthorized purchase appeared on my transation activity. The merchant name is XXXX XXXX # XXXX and the amount is {$170.00}. After some initial investigation, the merchant locates at XXXX XXXX XXXX XXXX, XXXX, NC. The card is still in my possession, but I am in XXXX, California all the time and did not travel to North Carolina. So as my card, I keep it with me all the time in California and did not give anyone else. At this point, I suspect this unauthorized transaction comes from the credit card fraud. So I filed the Fraud Claim Form online and called the customer services. The bank promised to further investigate the transation will get back to me in one or two billing cycles and credited my account with the amount ( {$170.00} ). At the same time, the bank issued a new card for me. However, when I received the new card and activated it, they just bill the same amount XXXX {$170.00} XXXX to me again. On the next day, the bank issued me a letter saying that the investigation is done and transation is valid. However, this is an obvious fraud and related to their security for Uber credit card, but they had little words about what investigation has been done, why they think the transation is valid.
Product: Money transfer, virtual currency, or money service

This is to request your assistance in resolving a problem with a wire transfer that has been lost. 

I submitted a wire transfer from my account with USBank, in XXXX, CA. I am purchasing a home, and the money transfer was required for XXXX. The details regarding this transaction are as follows : Date : XX/XX/2022 XXXX {$18000.00}. 
Reference XXXX On XX/XX/2022, a wire transfer to XXXX XXXX XXXX was processed for escrow. Several days later, the escrow officer notified me the wire transfer had not been received. 

As of today, XX/XX/2022, the wire transfer has not been processed and I have not received any information or assistance from the XXXX branch. I have made numerous trips to the bank and repeatedly spoken to XXXX XXXX, branch manager. 

It is extremely frustrating that the branch manager had no information and responded that he didnt know anything. 

Wire transfers are supposed to be available to send secured funds in large amounts and completed within minutes. It has been seven days, and US Bank has not located my money or provided any assistance. Each time I ask about the wire transfer, XXXX XXXX is dismissive. Finally, I was advised that the wire transfer is under investigation. 

On XX/XX/2022, I was advised by the wire transfer customer service office that XXXX XXXX had failed to respond to their correspondence. It appears XXXX XXXX is either incompetent or simply unconcerned about customer service. This afternoon, I contacted the Corporate Office and was referred to the supervisor, XXXX XXXX XXXX. I left numerous messages, but she never returned my call. Lastly, I contacted the bank and wire transfer office but can not resolve the issue. XXXX XXXX advised me the wire was processed today ; however, escrow has not received it. 

This error may cost me thousands of dollars because the interest rate on my loan may be significantly higher. In fact, I may lose the opportunity to buy a home because of this error. 

Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent in certified mail your company asking for your method of verification on for inaccurate reporting on my credit report I have yet to to receive any written notification from your company in my letter I asked for specific information could you please tell me why you didnt respond to my requested This is a violation of the FCRA you had 15 days to respond but you didnt XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX