23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to get inaccurate account removed. Earlier this week XXXX  removed these accounts from my credit report. However Transunion is still providing an inaccurate credit report which is a false representation of my character, and amount of debt according to 15 usc 1692e. I demand these be removed as they are violating my consumer rights. They are also furnishing my report with these accounts without my written consent according to 15 USC 1682b, which is another violation of my consumer rights. They are currently improperly handling my credit report.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023
Product: Debt collection

THIS COMPANY HAS BEEN CALLING MY NEIGHBORS PHONE HARASSING THEM ABOUT A DEBT THAT IS NOT MINE. XXXX IS CHARGING FOR EVERYTHING BUT WHAT I ACTUALLY OWE THEM WHICH IS NOTHING. XXXX TOOK ME THROUGH XXXX VIA THEIR ONLINE SERVICE.I SIGNED UP TO BE A CUSTOMER ONLINE AND IT WAS A DISASTER. THEY SENT ME 4 SIM CARDS ... HAD MY PHONE NUMBER MESSED UP 3 TIMES. I HAD TO GO IN THE STORE AND TRY TO GET THINGS STRAIGHT. IT WAS A MESS AND NOW THEY HAVE SENT HIS COMPANY OF LIARS AND THIEVES AFTER ME TO HARASS MY NEIGHBORS AND ME ABOUT AN AMOUNT THAT I DO NOT OWE!! MY NAME IS NOT EVEN CORRECT. MY NAME IS XXXX  ... .I NEVER SHORTEN MY NAME. THAT IS DISRESPECTFUL. STOP HARRASSING ME AND MY NEIGHBORS
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within a few days stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Further proof of their inaccurate reporting is they state that the account is incorrect but will not be removed. 
The account in questions is XXXX XXXX XXXX Account Number : XXXX.
Product: Credit reporting

Every time that I ask Equifax to correct my credit report they send me a letter stating that my identification information " does not match our records ''. Each time I send them proof of identification and proof of current address. Equifax uses this tactic to delay or fail to take corrective action on my credit report. Attached are XXXX letters from Equifax asking for the same information over and over -- XXXX from XX/XX/XXXX and XXXX dated XX/XX/XXXX. Please tell Equifax that they can not engage in this subterfuge to delay correcting my credit report.
Product: Debt collection

I am writing to formally dispute certain items on my credit report that, upon review, lack sufficient information to validate the associated debts. The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The following accounts are of concern, as the provided details are inadequate for proper validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XXXX, and XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Money transfer, virtual currency, or money service

First name : XXXX XXXX Last name : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number : XXXX Ach routing number : XXXX Checking account number : XXXX email : XXXX Tel : XXXX This person promised me to send me a check of XXXX USD to me. He added XXXX USD for fee in his bank when he issues a check, XXXX USD for delivery fee and service fee. In total, XXXX USD. I wired my money on XX/XX/XXXX. In the mean while, I told him that I don't need his check. He agreed that he would return it back to me. I said to have XXXX USD for him, and send me XXXX USD only. He agreed on the phone call. When the money arrived at his bank account on XX/XX/XXXX, he did not send any of the money and he lies that his bank ( bank of america ) let him to withhold the amount for some reason. After that, he does not answer any of my call or emails. He has my bank account information which has all addresses, emails, phone numbers, etc. He got to know me through XXXX. It is the website for the XXXX  people in NY area mainly. He posted my XXXX  profile photos, etc in order to shame me and insist that he was not a scam, but I was a scam. First, I don't understand why he insisted that he called his bank. Second, he argues that the bank of america told him to withhold my money which is wired into his account. I think the first and the second is a lie because he wants to have that money. From that point, he uses " XXXX, '' the online community for XXXX  in New York, to argue that I am a liar, not him. He post profile pictures of mine about three times, and wants to get positive comments about his behavior. Now, he avoids the call and I don't know when I will have my money back, as he promised. He said he would wire money when his bank says yes you can. But this is all bypass to avoid his direct responsibility and gain time. 

He has to wire money back. Initially, when I cancelled his promise because my box- delivery to the U.S. has been arrived. He promised me when my box did not arrive. When my box was prospective to arrive at the place, he said on the phone that he will return all the money that was then coming to him. I said, it is my gratitute, so you can have XXXX USD out of XXXX USD because the initial contract somehow changed. XXXX USD was initial service fee for XXXX XXXX XXXX, the rest of XXXX USD was the amount of check in the XXXX XXXX  that he promised to send to me. He did not send the check of XXXX USD, and he does not have XXXX USD. He all has XXXX USD on his account and does not answer my call, just post his words in XXXX.
Product: Mortgage

I have been trying to refinance my mortgage since XXXX, Mr Cooper is the current lender. When they sent pay off to the new lender they said there was a HUD lien that needed to be paid off. There is no lien to be found under that case number, under my name XXXX XXXX, address XXXX XXXX XXXX, XXXX. The loan company that held the loan previously doesnt have any information either.Mr copper has failed to produce information to support this lien XXXX I lost my locked interest rate as well as {$80000.00} equity that I was to get at closing. It has been two months now and neither the loan company nor I have been able to getMr Cooper to give us the information we need to resolve this issue. Because of their inability to resolve this I was not able to close my refinance and can not afford to do so now with the current interest rates. These individuals can assist in giving you information regarding this claim XXXX, XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX has been very uncooperative with communication. I have emailed and called with out a response. I have paid my debt in full, and they refuse to update my account. My account became late due to technical issues on the app, of which I attempted contact with the company and the attempts were unsuccessful. I have proof that the account was paid, but it still is reported on my credit reports ( XXXX, Equifax and XXXX ) as unpaid, charged off with inaccurate late payments. I have disputed with the credit agencies as well, and they have not been able to show proof that they have verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERION has been committing fraud by generating information that has no source. And manipulating the credit score factors. To decrease the scores of many consumers and not only myself. Can someone fix or investigate The coding of the score factors? Ive made over 4000 attempts in between XXXX and XXXX to have this corrected. And rather than remove the incorrect information, Experion repeatedly replace it with ( information that are positive and presenting them saying that theyre negative reports ) on my file for example, paying 37 % of my loan, on time and never being late. Experion has this as something bad to do. as in something that should decrease someone score?. Number 2 Experion is showing 2 years and 6 months as my age of credit. But if you would use the formula for calculating averages, you would see three years and nine months, XXXX rules say that minimum for age of credit is 6 months. Thats the only time that the words age of credit is too short would be used. Experion is posting 2 years as being too short. As is shown in the attachment Which I have placed in order. From my first attempt to the present. Im asking for an explanation for each one of the 10 attachments. the law in the state of Maryland grants me, The right to request the name of the individual Who is tasked with correcting my credit file. And the fair credit report act Also grants me {$10000.00} per every 28 days that the credit bureaus incorrect reports affect my life negatively. This law I will be pursuing with a lawyer. Because enough is enough. I will be showing this letter to my attorney general of Maryland and to every media outlet in the D.M.V.
Product: Mortgage

After I become sick and put on long term XXXX due to XXXX, I had to apply for a mortgage loan modification with Ocwen. I started the loan modification with in XX/XX/XXXX. I did my XXXX months trial period. At the end of XXXX I called to see what to do next because I had not heard from them concerning if I was approved for Permanent Modification. I was told to continue to make payments which I did. I paid my XXXX payment on XX/XX/XXXX. I received my payment confirmation from Ocwen. I have been back and forth with The Office of the Consumer Ombudsman for Ocwen. I was told in XX/XX/XXXX by XXXX XXXX that there was still a PAYMENT ISSUE FOR THE MONTH OF XXXX which was during the time when Ocwen were switching over from the GMAC system to their new system and that my XXXX payment was not applied correctly to my account making it seem as though I am a payment behind. I keep receiving letters telling me that the issue will be resolved, XXXX it was by XXXX, then XXXX, then XXXX, they XXXX. Got several letters in XXXX saying the same thing. No one seems to be able to resolve this PAYMENT ISSUE and I can not figure out why. On XX/XX/XXXX, I talked with the The Office of the Consumer Ombudsman for Ocwen XXXX XXXX XXXX XXXX again. She said she had been working on the issue and have not been able to GET THEM resolve it. She asked me if I could send her proof of payment. I sent her an email on XXXX XXXX, showing her proof of payment from XX/XX/XXXX thru XX/XX/XXXX. I have not heard anything back from her. I have called her and left a voice message several times asking her to please return my calls so I can see what was going on. I was assigned different relationship managers to help me on my account also but they are not able to help. I have been getting the run around since XXXX. ALL I AM TOLD IS THEY ARE STILL WORKING TO RESOLVE THE PAYMENT ISSUE. My account is still saying past due and I am current. I have made my payments on time since the modification started in XX/XX/XXXX. Today, XX/XX/XXXX I called the Consumer Ombudsman office again and talked with a XXXX XXXX and she said it was not resolved and that she was going to look into it further herself. This is crazy! Ocwen continues to send me a late notices and letters on foreclosure. The representatives tells me to ignore them. This has been very unprofessional on Ocwen 's behave. I do not know what else to do. This is very stressful and unfair to me. It will soon be a year since I started this Modification. They told me that I was approved of the permanent modification only by word of mouth but not my an official letter. My statements are showing that I am under a Forebearance Plan until the issue is resolved. My account online shows that the loan was modified but I was told that until the issue was resolved I will not receive a written statement that I was officially approved for Permanent Modification.
Product: Credit reporting

After reviewing my credit report I found several inaccurate XXXX XXXX accounts. I have sent several request to Transunion requesting validation of debt including history and origination thinking these accounts were mix-ups or something that a complete history could resolve and after several letters sent via certified mail and close to 90 days I have received no information. Just the exact same computer print out without any additional documentation.
Product: Checking or savings account

I had a balance of approximately {$8000.00} in Paypal. I requested a check for {$4000.00}. They said they sent a check on XX/XX/XXXX and deducted the money from my account but I never received the check. I called a few times only to get people that say they need to get back to me but they never do.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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, credit repair services, or other personal consumer reports

SLS incorrectly reported our information to the credit bureaus as being 31-59 days late. They successfully correctly my information, but did not correct my wife 's information. XXXX is still showing 31-59 days late on her report. XXXX  and XXXX  have been corrected.
Product: Money transfer, virtual currency, or money service

Since XX/XX/2021 I have been unable to withdraw the funds in my Binance.us crypto account to my personal off-exchange storage device ( hardware wallet ). 

On XX/XX/2021 I transferred some VET, ETH and ZIL to my Binance.US account and converted the ETH into three other crypto currencies ( ZIL, VET and ONE ). I have no deposit holds on my account so I should have full access to the currencies that are in my Binance.US account. 

When I go to withdraw the funds and send them to my hardware wallet I receive an error that reads, Withdrawals suspended due to risk management. This has been happening since XX/XX/XXXX. 

I have attempted to resolve this by opening three different cases through their online support portal : Case ID # XXXX - Opened XX/XX/2021 - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 
Case ID # XXXX - Opened XX/XX/2021 - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 
Case ID # XXXX - Opened XX/XX/2021 ( later in the day ) - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 

Business has no customer service phone number to call. 

As of now, I have had no response from the company and I am unable to withdraw the funds in my account.
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 {$2300.00}, {$4400.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Product: Debt collection

Bonneville contacted me by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I had agreed to set up payment IF I received information regarding the debt for my record keeping purposes and I did send in one payment in XX/XX/XXXX before I received any information. AS of today, I have not received any mail notifications, and I have been on the lookout for them. I spoke with Bonneville today and again requested a copy of a statement but the agent continue to steer the conversation to making payment arrangements, which I believe is unfair. You have stated that the notices have been mailed but I receive mail every day and there is nothing from Bonneville. Provided address to agent in XX/XX/XXXX and as of XX/XX/2017. The agent kept steering me to set a payment and even told me that now that I am behind the monthly total is raised {$3.00} more dollars. I kept steering back to getting a copy of a statement. This is needed for me to know where the initial total is so when payments are made I can calculate owing.
Product: Student loan

I found out via an email from XXXX XXXX that a student loan had hit me account. I logged in to see it and it was taken out at XXXX XXXX  in XXXX, GA. I called XXXX at XXXX XXXX  on XX/XX/XXXX to say that someone opened up a fraudulent loan in my name. She told me to contact the Department of Education and would send me a packet to fill out and return. I talked to XXXX at the Dept of Education on XX/XX/XXXX. She said the loan was taken out on XX/XX/XXXX. She opened up a case. I called the XXXX Police Department in XXXX, MO on XX/XX/XXXX and spoke with XXXX XXXX. He opened up a case for it. I was sent a packet by Great Lakes to fill out and to send them a copy of my driver 's license, SS card, police report and other information. I did all that they asked of me to prove that it was not my loan. They denied me. I appealed it and they denied me again. They said, " Your Federal Direct Master Promissory Note ( Direct MPN ) was electronically signed on XX/XX/XXXX. Funds were used to pay for your attendance at XXXX XXXX  XXXX  XXXX XXXX. '' I don't even understand that. The loan was taken out in XXXX at XXXX XXXX. They then go on to say in the letter, " Your Direct MPN, dated XX/XX/XXXX, contains several items of information that assist in confirming your identity and by extension your relationship to the loan to include ( but not limited to ) your name, social securtiy number, date of birth and address. '' Anyone could steal that information! It happens every day. They denied my appeal. I don't know what else to do. This loan is not mine. I'm worried about it destroying my credit. I need to find out what else I can do to prove I never enrolled in this college or took out this loan.
Product: Money transfer, virtual currency, or money service

XXXX, XXXX XXXX  I sent XXXX XXXX XXXX PayPal and they are a known scammer on XXXX selling collectibles trading cards as a scammer. Instantly blocked me after payment. 


Baited to make a sale with friends and family through PayPal so that PayPal would give no recourse. Essentially enabling scammers. 

Transaction ID XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and u fair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their affirm, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements u see the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.