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

Synchrony Bank gave the wrong information to XXXX 's XXXX who got the information directly from the bank who was supposed to give the account number since I could not provide and it was the wrong account number I contacted the bank to Fraud Unit and the State Attorney General 's office and no one seems to be able to get the bank to see that I 'm paying on an account that has best switch and so I need them to move the account that should be XXXX 's from XXXX so that it will be the right money going on the right account I talk to everybody and they wo n't do it at synchrony and so I have a problem with this being able to pay my account in the money going directly to that right vendor
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I initiated a wire transfer to the amount of {$5500.00} from my Santander personal checking account to my friends personal checking account with XXXX XXXX XXXX. We were told by XXXX XXXX  on XX/XX/2023 that the funds can not be deposited to my friends account because his account is whats called a chase secure checking that can not accept/send wire transfers. We were told that the funds were automatically sent back to me. However my bank ( Santander ) never received the funds back even after multiple swift recall attempts. Here we almost 2 months later and nothing has been resolved. Both banks are putting blame on each other and are not willing to work with us to find a resolution. 

To top this all off, ive requested documentation of proof of recalls from Santander bank to XXXX and they denied me any access to any information. Santander bank also never asked me to sign the wire agreement nor did they give me a wire tracking number even after asking for it multiple times They also took a full week to tell me that they needed to send a recall so the first recall was not made till XX/XX/XXXX. 

At this point i am fed up with talking to customer service agents who just dont have the authority to help resolve this situation. Ive followed up in writing to both banks and they just dont seem to care. 

I am not going to attach any documents to this post, I will gladly send any documentation over after speaking with someone over the phone to discuss this further. Thanks
Product: Student loan

I was studying the year 2009. I went to a XXXX get my XXXX and mi SS. This XXXX start getting money from my SS. When I found out I call them and my make some payments. They told me that get evidence that I ca n't pay the loan. I sent all the evidence to them and I was paying {$5.00} after I sent all the bills they sent me a letter that I do n't have to paid no more. I moved to Ohio and then this Collection company is calling me every at XXXX am to the whole day XXXX times a day. The name was XXXX and now is CACH LLC because XXXX transfer the debt. The numbers are XXXX,XXXX,XXXX etc. When I moved to Ohio I lost that letter that proof is all resolved so I do n't have evidence to show them. Please. Help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Product: Credit card or prepaid card

I have been making payments to capital one been garshment out of my check every two weeks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Fraudulent Items on Credit Report Due to TransUnion Data Breach Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are fraudulent as a result of the recent TransUnion data breach. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Upon reviewing my credit report, I have identified several accounts and inquiries that I did not authorize. It is my understanding that the TransUnion breach exposed personal data, including mine, which may have led to the fraudulent activity appearing on my credit report. 



Details of Dispute : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts were neither opened by me nor do I recognize the associated transactions. I have already filed a fraud report with the appropriate authorities and am working with TransUnion and the other credit bureaus to address these fraudulent entries. 



Given the nature of this breach, I kindly request that the CFPB assist in investigating these fraudulent items and help ensure their removal from my credit report. BY LAW AND UNDER 15 USC 1681 RIGHT TO PRIVACY. 



Thank you for your attention to this urgent matter. Please feel free to contact me at via email at XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting

A tax lien was issued in   XXXX   while I was  XXXX  years ago with the state of Georgia. I was stationed in California but will still paying Georgia taxes and was away on  XXXX . It was handled upon my return via certified mail with payment. It was stamped released and I was told that it would be removed from my credit report. However, it is still being reported by the Credit Bureaus. I have attached a screenshot from the Georgia Departmen t of Revenue. I was  told to try this route for help.   Thanks in advance.
Product: Mortgage

This complaint is continuation of complaints XXXX. 

Received letter from Selene Financial with wrong information of agreement with XXXX XXXX Mortgage Loan of forbearance approved thru month of XX/XX/2021. 

Please see letter to Selene, explaining their errors
Product: Payday loan, title loan, or personal loan

I applied for XXXX lease and expected to pay off product In time, I was not advised that it would not be paid neither in writing or voice. When it was time for final payment I was told to call XXXX and they were rude and told me to call the police if I thought they were being illegal. I told them I was going with consumer advocate and they changed their tune.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXXXXXX {$430.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX  XXXX {$770.00} XXXX {$360.00} XXXX XXXX XXXX XXXX {$55.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX - XXXX XXXX {$670.00} XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00}
Product: Credit card

Last year, I asked that the ( at the time ) XXXX XXXX XXXX ( now the XXXX ) take me off of automatic enrollment so that I would not be charged the automatic $ XXXX yearly fee. Yesterday, I looked at my monthly statement, and not only had Barclay 's ( presumably the organization responsible for overseeing the card payments ) deducted {$89.00} from my account again - they had done so twice. A total of {$170.00} was taken out of my account without my permission - despite having spoken to a representative last year and requesting that I be taken out of auto enrollment. Although I called them and my money is apparently being refunded ( I have not received a refund yet ), it is terrifying to think that a company such as XXXX, or Barclay Card, can simply deduct money from my personal bank account without permission - or even a request - despite me taking the time to attempt to eliminate this type of event from occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to submit a dispute on line with XXXX. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XX/XX/XXXX. I do not have a bank card from XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XX/XX/XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX  XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.
Product: Money transfer, virtual currency, or money service

I keep receiving emails from XXXX with a false amount due and the following numbers to call : XXXX XXXX These are bogus # '' s trying to get a response to give personal info. 

One of the emails from XXXX : Hello, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Billing has updated their money request Updated request details Amount requested {$1300.00} USD Note from XXXX  Billing : Don't recognize the seller? Please contact PayPal Support Team immediately at XXXX ( XXXX ) XXXX ( Toll Free ). If you have any issues, you can also contact XXXX ( XXXX ) XXXX ( XXXX XXXX ). If you do not reach out, we will proceed with the transaction. 
Transaction ID XXXX Transaction date XX/XX/year> Pay Now Don't recognize this request? 

Before paying, make sure you recognize this person. Don't engage with this request if you're unsure about it. PayPal won't contact you through a money request. Learn more about common security threats and how to spot them. 

PayPal Help & Contact | XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 

Not sure why you received this email? Learn more XXXX XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

The person who processes credit card disputes at PenFed does a terrible job. In XX/XX/XXXX-XX/XX/XXXX, I had several disputes with a Utility company that was charging my credit card for another customer 's utility bill - the disputes person at PenFed did not process the case in time and I lost several hundred dollars. 

Last year, I had fraudulent charges from an airline on my credit card. Once again, this person delayed the processing of my disputes and then closed them out as being late ... even though I provided all the documentation in time and she sat on them for weeks until it was too late. Once again, I lost over {$100.00} this time around. 

Now I have submitted two disputes and I am worried that they also will not be processed correctly. 

I love PenFed, but I simply don't use the credit cards because I am afraid that this person, and PenFed, doesn't have my back on the rare occasion where disputes arise with merchants.
Product: Debt collection

This person contacted my father in law first about a debt my husband does not have. I returned the call and the person tried telling me he was going to go to his place of employment and it was better talking to my father in law. My husband called after the male representative began being verbally assaulting to me. He told the representative that it was not his debt and to please mail him proof to our PO Box and the gentlemen began accusing my husband of not being able to speak for himself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX Lending Point LLC charged a card that was previously used for a one time payment months before, they used it for an unauthorized transaction on XX/XX/23 for {$500.00}. When contacted, the company agreed they knew of the transaction and that they would immediately fix it. To this date I have talked to a few representative who have given dates that it would be credited back to the account and this has not happened. Various dates and times I was told it would only take 5 days to credit the account back, then most recently I was told it would be back in XXXX to XXXX business days from when I called, not when they realized they did this action illegally. Which meant that, this past Friday would have been the date the credit would have happened. 

The account was over-drafted by this deceptive practice and fees were applied, the account was not authorized for any transaction or drafting on that date and there was not consent given to draft the account. For several weeks this has cause major grievances and even lost wages. 

The actions of Lending Point LLC have caused bills to be unpaid, fees applied, and lost wages from the company drafting a payment from a debit card/account that they were not authorized to do so. 

The company knew of the incident and have not rectified the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$730.00} XXXX XXXXXXXX XXXXXXXX {$840.00} XXXX FXXXX XXXX {$400.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 Wells Fargo was contacted to add an Authorized User to my account with the expectation of the Users information being submitted to XXXX XXXX The information has never been submitted. I am asking that both of these companies be investigated. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX Date : XX/XX/23 Action : When contacting Equifax to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Product: Checking or savings account

On XX/XX/XXXX I tried to make a cash deposit at the citizens bank ATM which I have an account at. I was depositing {$1500.00} in cash into the atm the atm went down the screen went black and was stating rebooting. My card was given back but not my cash or a receipt. I immediately called the customer service dept who said I didnt need to stay at the atm they would open a case. The bank credit my account then a month later without notice took it back leaving me a negative balance. They are stating there was no issue with the ATM. I had gone into the bank on XX/XX/XXXX and spoke to an associate who verified she was notified the night before that the ATM had gone down. Ive asked them repeatedly to pull the ATM footage and they will not. I have gotten no help in finding my money and am left with nothing.
Product: Checking or savings account

attempted to transfer {$800.00} from my XXXX account to my own Citibank account, but due to a one-digit error in the Citibank account number, the funds were sent to the wrong account. XXXX initiated a recall of the funds, but Citibank denied the request. I visited the XXXX XXXX Citibank branch in person, and although they acknowledged the error, they refused to take any action to help recover the funds or investigate further. I am now missing {$800.00} through no fault of my own, and neither bank is assisting in resolving the issue.
Product: Bank account or service

Rush Card did routine maintenance to a new server on XXXX XXXX, 2015. It has since then not deposited people 's money into their accounts. Mine included. My husband and I are awaiting our paychecks via our direct deposit to our Rush Cards. Customer service numbers hang up on you, the website is now down ( again ) and NO ONE is calling back or reassuring that our money is safe and will be to us as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX 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 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

I have sent letters after letters everything has came back verify they supposed to support me with the verify documents by federal law.
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. 
XXXX XXXX : XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX : 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: Debt collection

Care Credit XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX, XXXX to U.S. Dept of Education, from XX/XX/XXXX until I stopped paying in XX/XX/XXXX. Initial amount was confusing, as there appear to be 3 different amounts that all had the same account number.

Have attempted at least 3 different times to file a dispute with credit reporting agency. Each time they say the amount in question is correct, according to company. This is NOT INVESTIGATING my claim that this student loan is currently being paid by my daughter, and thereby SHOULD NOT BE even on my credit report!

The reason this was initially on my credit report was that I co-signed for my daughter 's loan. She initially defaulted, so I began making payments in I believe XX/XX/XXXX. After realizing she had begun making payments through another organization, I stopped paying and attempted, without success, to remove this loan from my credit report. 

Another issue involves the fact that each time this loan is closed and moved to another lender, thousands of dollars in fees are added to this initial amount. This will never be paid, as the entire scam should be illegal. I am sure that hundreds of thousands are in similar circumstances ; that consolidation loans do not properly outline what is going on when decent people attempt to begin to pay lawful obligations. This practice has to stop before people would be interested in paying what they honestly owe.