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

The issue is with TransUnion. 

In XX/XX/2020, I had a secured credit card at my credit union upgraded to an unsecured credit card with a higher credit limit. TransUnion listed it as a mortgage. I asked them to change the record to an unsecured credit card. They instead removed the whole record from my credit report, saying that they removed the record upon my request ( they did not fix the record and leave it there as I asked them to do ). In XX/XX/2020, I tried to get the problem fixed again, this time saying that please just put the unsecured credit card back on the report. They said that the credit report was correct as is, again saying the secured credit card was closed and the unsecured credit card was removed upon my request ( I wanted it fixed, not removed ). I also told them that their employment info for me was not up-to-date ( my mistake ). When I did the attempt in XXXX, I purposely had a balance on my monthly statement so the balance would show up as OPEN on their end ( I thought this might help -- my mistake ). This caused my credit score to go from GOOD to UNFAVORABLE ( I paid the balance after the monthly balance registered at the credit reporting agencies -- I normally pay it right away, but I purposely put it there to show " open '' account activity. In the UNFAVORABLE rating, they also claimed I had a new job -- I've been working at my current employer for 5+ years ). I made a phone call to TransUnion to try to fix it with a human. I got XXXX in the dispute resolution department. I did get her to fix the notion that I was no longer working for a former employer, but she said that the closure of the unsecured credit card was not " fresh '' enough for her to fix it on her end and that she needed my credit union to contact TransUnion to reactivate it again. Finally I tried working with my credit union in XXXX to have them confirm that my unsecured credit card is OPEN. The folks at TransUnion only affirmed again that the secured credit card was closed. Yes the secured credit card is closed ( I agree with them on this one ), but the unsecured credit card is open with a higher credit limit, and I am getting close to 6 years on the job with my current employer. 

The credit reports at XXXX  and XXXX  are correct, but the more I try to work with TransUnion, the more they muck up my credit report. Can you get TransUnion somehow to gather information from XXXX  and/or XXXX  so that all three are on the same page? I am at my wit 's end dealing with TransUnion. I think they may be a bit punitive when you point out an error on their end. If they finally do get the situation fixed for real on their end, I hope I never have to contact them ever again based on their poor customer service.
Product: Checking or savings account

ChexSystems are keep denying my disputes and saying there accurate and irrelevant this is wrong and inaccurate I'm now being profiled at this point because they keep denying me every time and like I said for the 100th time with XXXX XXXX XXXX that check deposit was not made by me and its fraudulent I have lost my card and wallet with my pin written in my wallet that now I know to never leave my pin in my wallet. Someone deposited the fake check into my account and withdrawn the money out of my account I want not one time on camera seen withdrawing the money out please help me fix this and get me out the red with the chexsystems so I can continue to bank with new banks this is affecting my life and financial situation please have this fixed this is very unacceptable and unfair for me to go though this and its not my fault
Product: Money transfer, virtual currency, or money service

Two companies are involved - XXXX ( XXXX XXXX ) and PNC Bank- I initiated a wire transfer on XX/XX/2023 that left my XXXX XXXX. We followed PNC 's mortgage payoff letter on where and how to send. The money left my XXXX account but PNC never posted to my mortgage. Neither company is able to tell me where my {$100000.00} went.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Student loan

I recently applied for Public Service Loan Forgiveness and have been employed in the public sector with the same employer for over 10 years. I have always paid my loans via auto-pay through my old servicer, XXXX XXXX. 

Today ( XX/XX/XXXX ), I was able to see the number of payments that qualified towards the program. For some reason, starting in XXXX FedLoan stopped counting my payments as being qualified to the program. FedLoan stated they will investigate my situation, but it will take 6 months to a year to complete it ( via phone XX/XX/XXXX ). I contacted my old servicer and they indicated I made no late payments ( via phone XX/XX/XXXX ). I also have autopay records going back to my first payment. 
FedLoan has announced they will stop being a servicer before the early end of that time frame quoted for their investigation, so I am stuck in a long-term limbo.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for reported transaction.
Product: Checking or savings account

3 WEEKS AGO WAS SENT A LETTER FROM WELLS FARGO THAT THEY WERE CLOSING MY ACCOUNT. WENT TO WELLS FARGO BANK AND THEY TOLD ME THERE WHERE NO PROBLEMS WITH MY ACCOUNT AND COULD NOT GIVE ME ANY REASON. THEY SAID MY ACCOUNT WAS PERFECT BEEN WITH THEM XXXX. NOW I CAN NOT RECIEVE MY XXXX XXXX XXXX XXXXXXXX CHECK I AM XXXX XXXX XXXX AND MY HUSBAND IS DEAD. THIS HAS ABOUT XXXX  ME FROM DISTRESS. HOW COULD THIS HAPPEN AND WHY. 
IS THIS THE WAY WELLS FARGO TREATS XXXX AMERICAN SERVICE VETERAN FAMILIES ... ... .THIS IS A DISGRACE PUTTING ME IN THIS MESS THEY NEED TO BE HELD ACCONTABLE FOR DOING THIS TO ME FOR NO REASON I HAVE A PERFECT BANK ACCOUNT SINCE XXXX  NOW I AM IN A MESS BECAUSE WELLS FARGO DID THIS TO ME...... .SHAMEFUL I AM NOT THE ONLY ONE THEY HAVE DID THIS TO THEY ARE UNDER INVESTIGATION BY FBI FOR XXXX XXXX XXXX FAKE ACCOUNTS IN CUSTOMERS NAMES AND FINED XXXX XXXX DOLLARS FOR UNLAWFUL BANKING PRACTICES WANT WELLS FARGO TO PAY ME MY XXXX XXXX CHECK I CAN NOT GET NOW I HAVE LITTLE MONEY TO GET BY I WILL NOT MAKE IT THROUGH THIS AT XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have discovered that a credit card account issued by XXXX  XXXX is not reflected in my credit report provided by Experian, the omission of this account affects the accuracy of my Credit History and could negatively impact my Credit Score, please ensure that Experian reflects all accurate information about my credit card account to ensure the integrity of my financial history. 

Creditor Name : XXXX  XXXX Account number : XXXX Opening date : XX/XX/year> 2021
Product: Credit card or prepaid card

XX/XX/2023 at XXXXXXXX XXXX per my XXXX XXXX XXXX call log, I called Barclays after receiving a text message about a possible charge for {$1000.00}. During the call, I twice inquired if the charge had been denied and was twice told the charge had been denied. I responded that I was glad because I wanted the charge denied. On XX/XX/XXXX, Barclays paid {$1000.00} to a vendor. I called Barclay 's at least 3 times between XXXX XXXX. Finally, I was told on XX/XX/XXXX, that a supervisor would call me within XXXX hours. No Barclays ' representative called me back between that day and XX/XX/XXXX, when I wrote Barclays about my problem and included a copy of my XXXX XXXX XXXX call log reflecting the XX/XX/XXXX call. Although I have received unsigned form letters from Barclays, I have not received any response written or otherwise acknowledging the XX/XX/2023, phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my account I've made a payment in the amount of {$240.00} on XX/XX/2021. I'm aware that the transactions afterwards is fraudulent from Card # : XXXX. These transactions were unauthorized and someone has obtained my card information ( identity theft, fraud, error ). I didn't authorize or give ( consent ) for any such credit card purchases appearing on my account. Around the time this fraudulent activity occured I was incarcerated ( imprisonment ) So I am not liable. I'm disputing all charges that occured after XX/XX/2021 and requesting a charge back of my funds sent back to my credit card immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was offered concert tickets for an upcoming show via XXXX. After some back and forth in the conversation

we settled on a price and payment method - CashApp. I sent the payment, and the person immediately asked me to send more money to a different user name using the same payment method. I told her I would not send any more money until the money I'd just sent had been returned. Further excuses came up as to why I wasn't getting the money returned, and I knew I had been scammed. I reported the issue to CashApp only to be told there was nothing they could do. First it was nearly impossible to find a way to contact their support team because of how their app and website are setup. They are seemingly TRYING to make it hard for users to hold them accountable for transactions they are facilitating. Every other service
that provides the ability to provide mobile financial transactions provides protection for their users against scams such as these, but they have NO concern that dishonest people are using their service to ripoff honest ones.

I tried filing a claim with my bank to notify them of this fraud, but  XXXX said that because of how CashApp is setup they couldn't resolve the issue on their end.
Product: Mortgage

I had a mortgage with Washington Mutual which was taken over by Chase Bank approximately XXXX years ago. In XX/XX/XXXX, Chase Bank contacted me and suggested I refinance the Washington Mutual mortgage. I proceeded to refinance the mortgage with Chase Bank. 

Prior to closing on XX/XX/XXXX, Chase Bank informed me that they had " lost '' the Washington Mutual mortgage and note and that they would require all new mortgage documents at closing. This cost me additional fees. I asked that Chase Bank give me an indemnification and hold harmless agreement for the lost note and mortgage. Chase 's attorney advised via email that Chase 's legal  department was " working on it '' To date, they have refused. NY law requires Chase to provide the indemnification and pay a penalty of {$1000.00} if they fail to deliver the note and mortgage within 90 days of closing. I have not received the indemnification or the {$1000.00}. I have asked repeatedly to no avail. 

Secondly, Chase failed to file a satisfaction of mortgage for the loan. On XX/XX/XXXX, over 90 days after closing and after I complained to the CFPB, they filed a satisfaction of mortgage discharging the prior owner of my property, instead of me. The Washington Mutual mortgage named me as the mortgagor, not the prior owner. They failed to file the correct mortgage satisfaction and I am advised by my title company that the satisfaction of mortgage filed by Chase is defective. I have attached the purported satisfaction of mortgage discharging the prior owner and the Washington Mutual mortgage showing me as the mortgagor. 

Thirdly, Chase is obligated to pay pursuant to NYS Law the sum of {$1500.00} for failing to file the satisfaction of mortgage within 90 days. Chase was successfully sued in a recent class action in NY for its failure to file and record satisfactions of mortgage and was required to pay mortgagors. Chase is well-aware of the law and is willfully disregarding it.
Product: Credit card

I applied and received a credit card from USAA with a 0.0 % APR for balance transfers. After I was approved, I found out that balance transfers would be at 12.9 % APR. The day after I applied and was approved, I went online, and all mention of the promotion on the USAA website was gone. I called and asked them to look into what happened. On XXXX XXXX, USAA send a letter ( attached ) and said that they found the problem, and that they would now apply the 0.0 % APR to my balance transfers. However, because of the problem, I did n't make any balance transfers because I did n't want to pay the 12.9 %. The promotion ended in XXXX 2015, and now USAA says that I can not transfer any balances and receive the 0.0 APR. They said that regulations prevent them from honoring the original agreement and that I should have transferred the balance before the offer expired. All I want is to transfer the balance of another card and get the 0.0 % APR they offered when I applied for the card. I have banked with USAA for many years, and they have been an excellent organization until this incident. I have discussed the problem with XXXX levels of their customer service, and they have been sympathetic, but unwilling to honor the original agreement. 

If I had been able to transfer the money when I received the card, I would have saved about {$500.00} in interest that I could have used to pay down my balance ( which was the sole reason I for applying for the card ).
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 {$0.00}, {$0.00}. 
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 ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Product: Debt collection

I am submitting this complaint because I received a letter a few months ago from XXXX XXXX XXXX. I assume that the letter was a scam because I knew nothing about the stated debt and did not reply to that letter. 
On XX/XX/XXXX I received an email from TSI ( Transworld Systems Inc ) about the same debt which they were now collecting for XXXX XXXX XXXX. in the amount of {$1400.00}. 
Please note that TSI Debt Collection Email dated Wednesday XX/XX/2023, is acting on behalf of XXXX XXXX XXXX. who stated they assumed the debt from the XXXX XXXX XXXX. 

They stated that as of XXXX XXXX that I owe {$1400.00}. I mailed a certified dispute letter to TSI on Wednesday XX/XX/XXXX to dispute the collection letter received. I requested they correct their records regarding this invalid, non-verified debt and to discontinue any type of communication regarding that debt. 

Please note that the dispute letter was sent to TSI physical address only as reflected below. The po box is provided for references only. 

Transworld Systems Inc. ( TSI ) ( Physical Address ) *TSI Correspondence Address Formerly Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Follow-up Complaint Against GoodLeap Inadequate Resolution Offer Dear CFPB Representative, I am writing to dispute GoodLeaps response to my original complaint, as their proposed resolution is wholly inadequate. Despite acknowledging their responsibility under the FTCs Holder Rule ( XXXX C.F.R. Part XXXX ), XXXX has offered only $ XXXX mere 13 % of my actual out-of-pocket costs ( {$4100.00} ) as a supposed resolution. 

Date of Contract : XX/XX/year> Product/Service : Solar installation by XXXX XXXX XXXX XXXX XXXX XXXX GoodLeap Issue XXXX XXXX damage from defective installation, unfulfilled warranty obligations after XXXX XXXX  Powers bankruptcy Total Out-of-Pocket Costs : {$4100.00} GoodLeap has never denied responsibility but has failed to honor the warranty obligations that transferred to them under the Holder Rule. Despite my providing extensive documentationincluding photos, inspection reports, repair estimates, and proof of paymentGoodLeap : Delayed action for months, forcing me to pay for the repairs myself. 
Failed to send a service provider as promised despite confirming my claim was valid. 
Ignored multiple follow-ups and only offered {$540.00} based on an outdated estimate, instead of the actual cost incurred. 

The Holder Rule makes them responsible for the sellers ( XXXX XXXX XXXX ) unfulfilled obligations. Their partial reimbursement offer does not satisfy this legal requirement. 
Their offer is based on an estimate from a contractor who never completed the worknot the final amount I had to pay.

Their delays forced me to take action to prevent further damage, which they should have covered.

Request for Further Action : I respectfully request the CFPB to escalate this case and hold GoodLeap accountable for their obligations. Specifically, I request that GoodLeap be required to : Reimburse me for the full {$4100.00} in repair costs that I was forced to pay due to their inaction.

Provide a proper resolution under the Holder Rule, ensuring this does not happen to other customers.

I have already filed complaints with the Federal Trade Commission ( FTC ) and will also be filing a complaint with my State Attorney Generals Office.

Please advise on how I can submit additional supporting documents, as my previous attempts have been extensive. Thank you for your attention to this matter, and I appreciate the CFPBs assistance in securing a fair resolution. 
FTC Report Number : XXXX CFPB Report Number : XXXX Sincerely, XXXX XXXX
Product: Debt collection

I have an eviction on my credit report, not because I could not pay it I refuse to pay it, because I thought I was treated unfairly. I had 10 days left on my lease, upon moving out I found plenty of mold along the baseboards. I was constantly sick that year and did not know why. I left immediately giving them another notice when I found the mold. ( aside  from the 60-day notice ). They sent me a bill for {$1800.00} I decided to go to the court. Judge stated I had to pay {$730.00} rent, {$58.00} court fee, {$180.00} attorney fee, which they agreed. They sent to collection for {$1500.00} and sending me a bill for {$1800.00} Until we get this settle I guess I will have the eviction.  I cant get a decent place to live.
Product: Credit reporting or other personal consumer reports

Ive been disputing the inaccurate and Incomplete information for 10 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified
Product: Credit reporting, credit repair services, or other personal consumer reports

this company ran unauthorized credit report on me, XXXX, XXXX me. I have never given permission for them to inquire my credit status, please remove it from my Transunion credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, ( Block , Inc ) due to inadequate customer service and unfair 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 platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under 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.
Product: Credit reporting or other personal consumer reports

I was scheduled to get a cosmetic XXXX at XXXX XXXX but ended up canceling. I reached out to XXXX XXXX  for a refund and per the agreement, I would be responsible for {$1000.00} and the cosmetic company would refund the remaining balance of {$3000.00} to the credit card XXXX XXXX  ) within 30 days of the cancellation. The XXXX was for {$4000.00}. The refund was requested back in XXXX of 2022 and XXXX XXXX did not issue the refund until XXXX of 2022 so XXXX XXXXonths late. This resulted in the debt getting reported as a charge off on my credit report ruining my chances of purchasing a house or anything for that matter. Not only that, but the charge off was listed for {$4200.00} and thats not including the {$1000.00} that I still owed which all adds up to almost {$1300.00} more than the cost of the XXXX. Recently I reached out to Comenity bank which is the bank XXXX credit goes through to ask about the charge off on my credit report and they pointed me to Comenity Collections. Comenity collections was only aware of the {$1000.00} which was already taken care of and paid for so I called the credit card company, XXXX. They said the debt was sold to XXXX credit so I called XXXX credit and after giving them my information, they have no idea who I am or what Im talking about. They do not have any debt under my name for any account. These companies have breached contracts and carelessly passed my information around and didnt keep track of where it was going.