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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX for a loan for the second time by XXXX XXXX. Branch manager XXXX fails to grant an overdraft on my card. On or about XX/XX/XXXX watched a man go in and obtain a loan got {$40000.00} and receive it. XXXX denied a loan for me. Its absurd XXXX issued XXXX lecture instead of empowering women. Beginning of XX/XX/XXXX watched men walk in and obtain a loan for the second time. Need money for self and business and kids. Will not tolerate the financial abuse any longer. This has been going on for over a year. XXXX thinks I am I a game. She needs to be wisen up and treat women with respect. I deserve respect and dignity just as everyone else does.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Credit card or prepaid card

I called Synchrony Bank on XXXX and spoke to several people in their customer service department, after ; receiving a letter from them reviewing my credit report. I need to know if pulling my credit report was a soft pull or hard when I had not requested. I spoke to, a woman named XXXX, but she told me she could not tell me. I also, asked how could they say my accounts were delinquent when I did n't have any delinquencies for their reason for lowering my credit limit. I brought to her attention that none of my accounts were over their limits in XXXX, so how could that be a determining factor, especially when I just lowered my balance with them by {$50000.00}. It 's like after, I made that large payment in XXXX to them and all of my creditors to lower and pay off all of my creditors, I get this letter from Synchrony Bank to put a negative mark on my report.
Product: Student loan

I have a student loan that I have been paying on for almost 8 years now, and I am looking to get them forgiven in year 10 with the public student loan forgiveness program. To initiate this process, you submit a form and the company, XXXX XXXX XXXX, sends you a status on how many payments of the 120 required for the forgiveness I have completed. When I received my notice, it stated that only 15 of my 70-80 or so payments have qualified, basically disqualifying me from the program as I will have paid my loans off before I reach 120 payments. I have my loans split, and one that I have been paying on for 8 years says that only 5 of my payments have qualified, noone I have talked to on the phone can explain why and state it is easy to see I have made all my full ontime payments since I have opened my account. 

This information is incorrect, I have paid my full amount due each month and in the right repayment plan. I requested an audit of my payments and account on XX/XX/XXXX. Over the past 11 months, I have received no information on where I stand with the review of my account. I have called approximately 6 times to inquire and each time no information or updates have been provided, and have been told to continue to " be patient ''. All the while, requests for my income and increases to my monthly payments are handled and implemented in less than a week. The company is quick to resolve matters that favor them, but has done 0 to assist me. 

I have recently sent in emails to the company, 3 have been acknowledged as received in their system, but no responses, and a phone call today XX/XX/XXXX also ended in a " continue to be patient '' response. 

I am now requesting help in resolving this as the company is taking 0 action to help me and I have no where else to turn. I would like to have my audit completed to know where I stand with my loan, or if there is still an error, find out what I can do to rectify the problem. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to inform you of TransUnion willful noncompliance with the Fair Credit Reporting Act, TransUnion continues to report inaccurate, incomplete payment history information on my consumer report. I have sent multiple Dispute letters on XX/XX/21 and again another dispute letter on XX/XX/21. To this day the consumer reporting agency willfully refuses to Delete the inaccurate, incomplete information which is preventing me from obtaining credit, furthermore the consumer reporting agency is Violating my consumer rights along with Defamation of Character because a consumer report is my reputation. TransUnion continues to be in Violation of the Fair Credit Reporting Act by continuing to report misleading information on my consumer file. Under 15 USC 1681e ( b ) the Law clearly states a consumer reporting agency shall follow reasonable procedures to assure XXXX possible accuracy, yet this agency has failed to do so. In addition I have attached documents that outline the Multiple FCRA Violations on my consumer report. Lastly I am demanding these accounts to be Deleted immediately or I may file for litigation due to the agency willful noncompliance, negligence and the harm it has cause my consumer file along with the XXXX it has cause by having these inaccurate, incomplete items on my consumer report. Im hopeful the CFPB can help assist to resolve this matter promptly
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information. 

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX XXXXXXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$4200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Mortgage

I sent a request for information to Chase and they are refusing to answer all the items that I am entitle to. The Executive office from Chase is also refusing to send Correspondence to the appropriate person and address as indicated in my third party authorization. I do not want to miss important information.
Product: Debt collection

In XXXX my partner XXXX  from XXXX. He deeded the house over to me. I started with XXXX and then XXXX XXXX and then XXXX. I was sold to XXXX XXXX last year. I was paying mortgage under my partners name. In XXXX a Gang stole my back up fund of cash. I failed the mortgage payments. I was turned over to Loan Care. I am almost XXXX and XXXX with XXXX  problems. Loan care just informed me I have a second mortgage on my home for {$75000.00}. They informed me it was XXXX XXXX debt and I have to assume it. Was created in XXXX. I said no they had forgiven the debt. Representative said talk to XXXX They are not available due to insolvency. 

I have talked at great length with XXXX XXXX and Loan Care. They are rude and over ride my every word. Loan Care did a loss mitigation plan and it works out more than my old payment. They also charge {$10.00} dollars daily for late charges. XXXX XXXX is an awful company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the auto loan with Capital One Auto Finance that we, XXXX and XXXX XXXX, shared jointly was reported as charged off. This is based on the following set of facts established by the totality of the evidence. 

A. On XX/XX/2022, a call was made by XXXX XXXX to Capital One. ( See Exhibit A ) B. On XX/XX/2022, In the presence of an eyewitness, an Account Resolution Specialist for Capital One agreed to a payment plan that allowed XXXX XXXX to pay XXXX months payment in the amount of {$300.00} and pay the remaining balance on or before XX/XX/2022 and avoid having the account charged off ( See Exhibit B ). 
XXXX On XX/XX/2022, XXXX XXXX paid {$300.00} to Capital One Auto Finance ( See Exhibit C ) XXXX On XX/XX/2022, XXXX XXXX paid {$540.00} to Capital One Auto Finance. ( See Exhibit D ) XXXX On XX/XX/2022, the same day the payment was made, Capital One Auto Finance erroneously reported the account as charged off. ( See Exhibit E )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my Experian report that is with XXXX XXXX. The account is listed as follows : Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner JOINT Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name  The account is also opened as a result of fraud. The account was opened while I was away XXXX XXXX. There was no way I could have opened the account. I was in XXXX  for the period the account was first opened. Please check the attached documents and remove the account from my report.
Product: Debt collection

While reviewing my XXXX credit report I notice the following collection. But I have no idea about this account, this is a fraudulent account opened with my name. 
Account name : XXXX XXXX XXXX Account number XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/XXXX Status : Collection account. {$690.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$690.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$690.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Vehicle loan or lease

XX/XX/XXXX my car was repossessed. Its financed with ally financial. XX/XX/XXXX a payment plan was made to catch up on payments. XX/XX/XXXX I also reached out for options such as refinancing for a better monthly payment. XX/XX/XXXX was told {$9100.00} which is the outstanding balance remaining for car will be needed to reinstate the car. XXXX XXXX XXXX. I was not contacted or made aware the vehicle was at risk of immediate repossession after a payment plan was made due to hardship post hurricane XXXX and XXXX this year in SC where Im located and XXXX XXXX XXXXXXXX. I understand with consumer laws that I did not give permission to any third party company involved have access to my personal information such as address or to collect my property/vehicle.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX :, DEPT OF ED/AIDVANTAGE/DEPT OF ED/AIDVANTAGE : # XXXX, XXXX : # XXXX, XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions15 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 . 16815-2 ( 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.I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.Publishing this description will not affecthow the Cre hardes four companUBSCRIB
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will serve as a follow-up to my earlier complaints dated XX/XX/XXXX, to make sure that the following items are thoroughly validated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified these account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal has placed a random and unnecessary limitation on my account stopping up my daily business. 

Insubordination by representative, XXXX, at PayPal ... agent claims that he sent a message to operations claiming that I will not submit requested photo ID to verify account exposing personal information and risk. Customer will not be treated unequally to any other PayPal customer who is not required to upload personal photo identification. 

Allegedly and according to agent XXXX, this limitation stems from a dispute through XXXX in XX/XX/2021, and evidently PayPal lacks communication skills in order to obtain dispute resolution records with their partner in crime, XXXX. 

This was the exact message from PayPal upon limiting my account. 

" We need some info from you We noticed that there were some changes to your account activity. To understand this better, we will require some information from you. 

Until we receive your information, some features in your account will be limited. You'll be able to regain access to these features once you provide the information we've requested. 
If you're unable to submit the required information by XX/XX/2021 or if we notice additional changes in your account activity, your access will be further limited. 
Reference ID : XXXX Well start our review after you have completed all of the below required tasks. ''
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sent via Certified Mail - Return Receipt Requested Re : Account Number XXXX - DEMAND FOR XXXX AND IMMEDIATE CREDIT REPORTING CORRECTION To Whom It May Concern : I am writing regarding account number XXXX which your company has charged off as a profit loss. Your company is currently reporting an outstanding balance on my credit reports despite this charge-off, and has failed to provide the required IRS XXXX XXXX ( XXXX of XXXX ). 

This constitutes a serious violation of both tax law and the Fair Credit Reporting Act ( FCRA ). Under 26 CFR 1.6050P-1, you are required to file Form XXXX with the IRS and provide me a copy when a debt is discharged. Additionally, reporting a balance due on a charged-off account violates FCRA 1681s-2 ( a ) regarding accurate credit reporting. 

IMMEDIATE DEMANDS : 1. Provide a copy of the IRS Form XXXX for this charged-off debt within 15 days 2. Remove all references to any outstanding balance from my credit reports within 48 hours 3. Provide complete documentation showing : - The original debt agreement- The date of charge-off - The amount reported to the IRS as discharged - Proof of proper IRS filing Your current actions constitute : - Violation of IRS regulations regarding debt discharge reporting - Violation of FCRA regarding accurate credit reporting - Potential tax fraud by failing to properly report discharged debt - Consumer fraud by attempting to collect on a discharged debt If you fail to comply with these demands within 15 days, I will : 1. File a formal complaint with the Internal Revenue Service 2. File complaints with all three major credit bureaus 3. Submit a complaint to the Consumer Financial Protection Bureau 4. Initiate legal action seeking statutory damages under FCRA 5. Pursue additional damages for : - Willful non-compliance with federal regulations - Tax reporting violations- Emotional distress - Damage to my credit standing - Legal costs and attorney fees Under FCRA 1681n, willful non-compliance can result in : - Actual damages - Statutory damages of up to {$1000.00} per violation - Punitive damages - Attorney 's fees and costs This letter serves as your final opportunity to correct these violations before legal action commences. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX : TransUnion, Internal Revenue Service Attorney General 's Office XXXX  Department of Justice, Consumer Financial Protection Bureau
Product: Money transfer, virtual currency, or money service

I had issues with adding my government benefits card and withdrawal of said funds and refunds, I never got the option to talk to someone as XXXX and other retail requested. This was from the time I signed up till XX/XX/year>, it was monthly, ranging from XXXX to XXXX. I had to use in app chat and some issues didn't get remedy. I kept being told to use a different card. Refunds were a hit and miss because the vendors needed me to talk to CashApp to give information but I couldn't. I've had to replace my card a couple of times due to fraud and scams, I got frauded for {$200.00} total that I can remember because it was so long ago the records are not in app, I think it's because I have changed cards multiple times.
Product: Money transfer, virtual currency, or money service

Crypto.com lists on their app you can bank wire money and have it available in up to 7 business days. I have sent money to Crypto.com on XX/XX/XXXX and it was taken from my account XX/XX/XXXX. I was expecting to be able to freely use my funds because they money was gone from my account. When I attempted to withdraw, stake, or even transfer my funds I was told I was unable to because my instant deposit was being verified. My bank shows Crypto.com had no problem verifying that my bank account exists and they took my money. I keep trying to contact customer service to which they tell me funds arent available for 7 days counting only week days. Im on their day 7 and still cant do anything with my funds. Crypto.com is extremely misleading by promising your finds to be available within 7 business days when in fact they will steal your money and make your funds unable to be moved from their account for 7 what they call business days.
Product: Mortgage

Real Time Resolutions ( RTR ) does not respect the Fair Debt Collections Act, also breaking the Law. The Statures of time in California is 4 years. why is RTR disrespecting and breaking the Law, simply put. This is an old XXXX Loan # XXXX this is just one of I do n't know how many account numbers they have on me, my SSN # XXXX.. Because they hide the truth with many different account numbers you can never get the truthful facts from ( RTR ) there is no telling how many times they have been paid off, because they keep changing the account numbers. I 'm asking them to remove my name and SSN # purge it from their system and rescind any and all claims they have filed. With respect to XXXX XXXX XXXX SSN # XXXX property located at XXXX XXXX XXXX XXXX, XXXX Ca XXXX also XXXX XXXX XXXX XXXX. XXXX Ca.XXXX. 
Respectfully, XXXX XXXX XXXX XXXX