23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have experienced what I assume are common problems with TransUnion 's credit-monitoring services. Earlier this year, I attempted to check my credit report by going to XXXX. I must have inadvertently enrolled in ongoing credit-monitoring services from TransUnion. I did not intend to enroll in these services. I assume I mistakenly failed to " uncheck '' a box on an online form. 

I did not receive any benefit from these services. Although I was apparently receiving these " services '' for several months, I only realized that I had enrolled for these services after receiving an email notifying me that something on my credit report had changed. I then noticed charges from TransUnion on my bank statement. I immediately called the TransUnion customer service number posted on TransUnion 's website. Someone answered, and I explained that I wanted to cancel my subscription to these services. The person on the phone asked to put me on hold. She spoke with me a few times over the course of forty minutes to tell me that the computer was having a hard time retrieving my information. Finally, she told me that I had called the wrong number at TransUnion and she was unable to transfer me. She provided me with another number, which I called repeatedly and it only produced a busy single. 

I finally located yet another number on TransUnion 's website. I called and spoke to another customer service person who tried to sell me additional services despite my repeated statements that I was only interested in canceling the services I never intended to purchase. By the end of the call, I believe that the customer service person finally agreed to let me cancel my subscription. TransUnion has not sent me any sort of confirmation, however. 

I realize I should have been more vigilant in reading the fine print and monitoring my bank statement. However, I believe this situation -- inadvertent enrollment in credit-monitoring services and difficulty cancelling them -- is common and contemplated by the credit-reporting companies. Of course, consumers should periodically monitor their credit reports. In part, this is necessary to ensure that the credit-reporting companies themselves have not made an error. Credit-reporting companies should not be permitted to profit from this necessity. I urge the Consumer Financial Protection Bureau to issue rules preventing the credit-reporting companies from bundling any subscription-based services with the free credit report they are obligated to provide under the Fair Credit Reporting Act. Additionally, the CFPB should require these companies ' websites to prominently display the availably of this free annual credit report with an explanation that receipt of this report is not contingent on enrollment for any paid services. Alternatively, XXXX should allow consumers to receive a credit report without directly dealing with the credit-reporting companies. 

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

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted.
Product: Money transfer, virtual currency, or money service

In 2021, I had an issue with my Cash App account while trying to create a XXXX account. I contacted customer service, and someone responded, claiming they could assist me. They provided a link to click for help and also asked me to transfer funds to an account they provided as part of the verification process. After making the first transaction, they claimed they didn't receive it and asked me to try again. After the third attempt, I realized it was a scam. When I asked them to send a transaction to see if it worked, they hung up. I'm now complaining to Cash App because I didn't know at the time that they didn't have available customer service, and I found their number through a XXXX search, which led me to get trapped by a scammer.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for XXXX XXXX XXXX, XXXX Social Security number is XXXX, XXXX : XXXX Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX JPMCB Business Banking
Product: Consumer Loan

One Main Financial in XXXX, Ohio falsely wrote the value of my home at {$37000.00}. When I said NO, that 's incorrect, he was dishonest and said he got it from the County Auditor 's site. 

The value of my home is {$56000.00} on the County Auditor 's site and the attached land is {$4000.00} for a total of {$60000.00}. NOT {$37000.00}! That 's a difference of {$23000.00}! 

This was done purposely! I was not feeling well at all that day and did NOT realize it had n't been changed to the CORRECT value as I had asked that it be. 

I am on XXXX ... XXXX. 

This is yet ONE MORE WAY that people with XXXX and usually with low incomes are taken advantage of! 
It needs to STOP. I had an average credit score, not a poor one, and equity in my home.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to file a complaint against Western Union regarding undisclosed limitations on the number of money transfers allowed within a specified period when sending funds to certain countries. During a recent transaction attempt, I was informed by a Western Union customer service representative that I had reached the limit of transfers within a certain time frame, specifically when sending funds to countries like the XXXX and XXXX. 

Before contacting customer service, I encountered an error code : XXXX ( XXXX ) [ XXXX ]. This code appears to be linked to internal security or compliance checks that are not disclosed to customers. The representative confirmed that while transfer limits on amounts are visible, there is no mention of the number of transfers that can be made, leaving consumers uninformed about these critical restrictions. This lack of transparency significantly impacts consumers who rely on Western Union for their financial needs, as they are unable to anticipate or understand these limitations until after encountering an error.

I believe this practice is deceptive and violates principles of fair and transparent consumer service. I am requesting that Western Union be required to either remove these undisclosed limitations or clearly communicate them to customers through their terms of service and other accessible channels. 

I appreciate your attention to this matter and look forward to your response on how this issue will be addressed to ensure that financial service providers maintain transparency and fairness in their operations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighted significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX, somebody hacked into my account at Money Network and transferred {$3000.00} into their own personal account. I can still currently see their banking information on my bank app. I found out about this on XX/XX/XXXX, and immediately called the bank. They had me file a dispute. At that time, I assumed that the situation should be able to be resolved quickly due to the fact that I discovered it right away. I received a dispute form in the mail on XX/XX/XXXX, and filled it out and mailed it back immediately. On XX/XX/XXXX, I received a letter stating that the dispute was cancelled. They had not even received my dispute form at that time, so I don't know how they could cancel it. The letter stated that I had the right to request copies of documentation utilized to make their decision. I called back, and requested the documentation. I also opened a new dispute at that time. They never sent me any documentation, and immediately cancelled the new dispute. On XX/XX/XXXX, I filed a police report concerning the issue. I would have done it sooner, but I really thought it would be easily resolved. Eventually, I found a number for XXXX, which is the parent company of Money Network. I made a complaint with them around XXXX of XXXX, and opened another dispute with the bank. The bank then requested copies of the police report around XX/XX/XXXX. After about 6 months of waiting for resolution, they finally told me that they had cancelled this dispute as well. As with the other disputes, they refused to send me any documentation when I requested it. All they would tell me over the phone was that the person that was supposed to receive the money did.
Product: Mortgage

I have multiple letters from SunTrust that are deceitful, misrepresenting my submissions to them, misleading as to the mortgage modification process, and a violation of FDCPA collection laws and the XXXX. I have detailed the letters and actions in the accompanying letter as attached.
Product: Credit reporting or other personal consumer reports

The accounts disputed were closed and not blocked, there is a direct failure to remove inaccurate information and insufficient proof of an investigation. Numerous FCRA laws were violated and these violations have lead to defamation of my character and creditworthiness. The description of the disputed accounts are attached to CFPB complaint XXXX and FTC report XXXX.
Product: Student loan

Hello, Every time I try to call in to get information about my loan, my servicer, Nelnet, keeps me on hold for over an hour. They do offer a callback feature, but it is very sporadic in nature. For instance, on the phone yesterday it was asked if I wanted a callback but I could not get my phone to the correct screen with my keypad in order to request the callback. Then, the system never asked if I wanted a callback again. As a result, I was forced to wait well over an hour to speak to someone. 
The other part of my frustration is that I requested to be put onto the new IDR SAVE plan back in XXXX. They claim that they are still processing my request and that it should be at the end of XXXX ( next week ) when this will actually happen. 
In XXXX I reconsolidated my Private Loan ( also with Nelnet ) to a Direct Consolidation loan and have been unhappy with the customer service at Nelnet since the switch. As a Private loan customer, their customer service is excellent with very low wait times to speak with someone. I was not expecting this change when I switched over. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not flourish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Back on XX/XX/2020, I loaded {$200.00} on my paypal cash debit card and I purchased a room at the XXXX XXXX which charged me at about {$160.00} including a security deposit of {$50.00} which I was due to receive back after I left the hotel. This money was taking from my account as a pending charge which left me with the remaining. 
I made two other purchases after that which lefted me with a positive balance. 
Also on XX/XX/2020, I was robbed for my cell phone and my PayPal mobile App was compromised and the pass word was changed not enabling to get on the mobile app. 
I called customer service and was told that I had negative balance of {$48.00} which I didn't understand because PayPal doesn't allow you to overdraft your account because it's a prepaid card company that you have to put your own money on the card. 
My card became restricted due to this matter and I spoke to a PayPal agent about my concerns and I filed a dispute. 
I was given back a credit of {$50.00}, but was still responsible for the overdraft of {$48.00}. 
On XX/XX/2020, I spoke to another PayPal female agent to address this issue and we were on the phone for over an hour trying to figure out how I got into an overdraft in the first place and she couldn't figure out the answer and she told me that I had a balance of {$1.00} and change. This was after the {$50.00} was reimbursed from me from the hotel stay at the XXXX XXXX. 
She stated that she would connect me wit a PayPal specialist, but when she did no one ever came to the phone which didn't surprise me because PayPal has a practiced of using the excuse of low staff for not being able to speak to a consumer. 
I feel that I should have at {$50.00} in my account and the overdraft was an error on PayPal not me because I never purchased anything to be in an overdraft and if the person who had access to my mobile app shouldn't have been allow to overdraft my account because PayPal has overdraft protection and don't even allow consumers to overdraft on their prepaid cash debit card. So I am having a big issue with PayPal and feel that PayPal has unlawfully cheated me out my money
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. 

US DEPT ED  # XXXX, # XXXX, # XXXX and 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I reached out to THEM ( THEIR EMAIL ) through XXXX as the XXXX profile they were pretending to be ( a young woman that I recall called themselves XXXX XXXX ) said on a XXXX XXXX XXXX page that they had tickets they were trying to get rid of because other things came up. 

They told me to send {$30.00} for the tickets through PayPal and I did so. After a few minutes of sending the money with no response, I figured Id been scammed. I went to PayPal to cancel the transaction and was not able to do so. 

That night I filed a complaint with PayPal. This morning ( XX/XX/2020 ) I received a confusing email that my claim was denied. However, the email stated that money had been sent to my account MY EMAIL. This however is wrong in two ways. The email should have said the money was sent to XXXX account if my claim was denied. The email is copied below. 



Hello ME, We have completed our investigation regarding the money transfer you sent on XX/XX/2020. You submitted your claim because there was a problem with the remittance. 
We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated* {$30.00} USD*would be transferred to MY EMAIL no later than XX/XX/2020. According to our records, * {$30.00} USD*was delivered to MY EMAIL on XX/XX/2020. Because the transaction completed correctly as disclosed, no error occurred. 
To request a copy of the documents that we relied on in making this decision, please email us at [ XXXX ] ( mailto : XXXX ). 
You can also mail your request to : PayPal , Inc . 
Attn : Error Resolution Department XXXX. XXXX XXXX XXXX, NE XXXX In your request, include your name, the email address on your PayPal account, and the Case Number provided below. 
The case has been closed. If you have any questions regarding the processing of this dispute, you may contact us by sending an email to [ XXXX ] ( mailto : XXXX ) or by phone at [ XXXX ] ( tel:XXXX ). 
If you want to send a new money transfer, please log in to your PayPal account to send money. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * Transaction Date : XX/XX/2020 * Payment Amount : $ XXXXUSD * Recipient : MY EMAIL * Transaction ID : XXXX * Case Number : XXXX Sincerely, PayPal I believe this information should suffice to get my money back. 

Thank you and please let me know if you have any questions.
Product: Debt collection

Hunter Warfield is showing a past due balance of {$2000.00} on my credit report. This company has not contacted me other than once back in XX/XX/XXXX ( before the debt was even reported ) as this occurred on XX/XX/XXXX. The original balance was {$1600.00} -- Hunter Warfield claims  that I owe this due to a cleaning fee & broken lease agreement. I verbally gave XXXX XXXX a 30 day move out notice on XX/XX/XXXX & was informed that no additional information was needed. I proceeded to move out XX/XX/XXXX and did not know any additional action was needed. XXXX XXXX XXXX ( no longer in business, closed in XX/XX/XXXX ) refused to supply me with a detailed statement and receipts of subcontractor fees. I was informed that the account would be sent to collections. I sent a letter requesting validation of debt as well as phone conversation requesting validation and Hunter Warfield representative stated they were not responsible for such things and I needed to just " pay it off ''. I will not acknowledge or own this debt until such validation is presented. Also it is showing a past due balance of {$2000.00}, the original starting balance was {$1600.00}, i have not been informed or attempted to be contacted regarding ANY interest rates or outstanding balance. I am unable to get in touch with original creditor due to them going out of business several years ago and i refuse to speak to Hunter Warfield due to the HORRIBLE experience i had while trying to discuss the balance back in XX/XX/XXXX. I have disputed through XXXX & XXXX more than once, and they continue to say account is valid. I will not own this debt until a detailed summary is sent to me with an explanation of charges. I do not want a confirmation of my mailing address, i want an itemized statement proving the charges. This company demonstrates HORRIBLE collection practices and is absolutely impossible to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed my modification in XX/XX/2021 and started making my payments XXXX of 2021. This company stated they would fix my credit and report my payments as being made several times and they have not done so. I would like my credit to accurately show that only payments were made for effective XXXX and that I was no longer in a forbearance. I have tried to work this out with them and have yet to see this corrected on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of an authenticated original contract with my signature, specifically Lendmark Financial as the company entitled to enforce this reporting to my credit. 
Company : Lemdmark Financial Account Number : XXXX Lendmark Financial Services # XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX. 
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 
According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.