23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was contacted by phone by a person claiming to be a detective from XXXX Mo. Police Dept. He told me that if I didn't wire XXXX to XXXX XXXX acct number XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX that he was going to come arrest me. I was pressured by repeated calls. I went and wired it and then figured out it was a fraud. I called the bank back within 2 hours and told them to stop the transaction. The representative told me it had been done and the money would be back in my account in a couple days. I waited and called back in 2 days and was told the rep error and did not stop the transaction. They then stated they would file a claim and request the money back. This occurred on XX/XX/2023. They then responded that the bank stated there were no funds available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They were subject to a data breach in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com.  They have put myself and millions of others at risk of identity theft/fraud. They are further attempting to capitalize on the situation by signing injured parties up for " trial periods '' of their ID protection services. It is further unreasonable that they have not directly notified anyone affected by this incident, nor disclosed the breach in a timely manner.
Product: Credit reporting or other personal consumer reports

TransUnion consistently prevents me from accessing my credit reports, even after successfully signing in on numerous occassions. Unlike XXXX and XXXX, which reliably provide my credit reports without issue through the Free Annual Credit Report service, TransUnion fails to do so. They also generate unusual identity verification questions, and even when I answer them correctly, they still refuse to provide my report. 

This issue goes beyond access : I have serious concerns that TransUnion is inaccurately reporting my credit information. My TransUnion credit score is always significantly lower than my XXXX and XXXX scoressometimes by as much as 100 points. This week, for example, TransUnion is showing a score nearly 100 points lower than the others. Given that creditors often rely on TransUnion for credit checks, this ongoing discrepancy has unfairly impacted my financial opportunities and creditworthiness. Its essential that TransUnion corrects this issue immediately, as their inaccurate reporting is directly affecting my financial health.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX, MA XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account : ( XXXX XXXX XXXXXXXX | Account # : XXXX ) is reporting a balance of thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( {$53.00} ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation the furnisher to continue to report this inaccurate information, Especially with the notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation aror my name, my address, my TIN, the date, and amount of the discharged/charged off detour an information as prescribed by the Secretary. if not, then I would demand that the account be removed from my credit report completely to a legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations n the state of Texas, debtors are primarily secured against harassing and deceptive collection acts by the FDCPA or Fair Debt Collection Practices Act. Under this act, debt collectors are forbidden from : Repeatedly or continuously calling debtors or creditors. ... Violently threatening creditors.XXXX XXXX XXXX
Product: Debt collection

Amerifiniancial Solutions Medical debt XXXX They did not reached out to me about this debt when I finally got in contact with them about this debt and asked for validation of the debt they couldnt give me any information and still didnt send me anything about this debt but is still reporting even after I tried to dispute it on mine
Product: Credit card

I received a bill in the mail for around {$2000.00} for a Pay Pal credit card. I assumed it was fraud because I do not have a Pay Pal credit card and have never applied for a Pay Pal credit card or used one. I ignored it then got another bill saying that I had a late payment on this account. I checked my credit report and sure enough there was a maxed out Pay Pal credit card, showing late payments and bringing my credit score from XXXX to XXXX. I need this resolved as soon as possible as I can not have my credit score this low. I have reported this to Pay Pal and disputed it with all 3 major bureaus.
Product: Credit reporting or other personal consumer reports

I have been disputing the inaccurate reporting to Chexsystems since XX/XX/year>. I received a letter stating that the case was investigated by XXXX and they determined it was fraud thus, removing the charges and fees.However, Chexsystems refuses to remove the unpaid item which is causing undue stress and emotional damage because, I was turned down from XXXX XXXX XXXX XXXX due to Chexsystems inaccurate reporting. XXXX has already sent a letter stating the charges were reversed, and the investigation was final. However, Chexsystems sent a letter explaining the charges are accurate and will remain on my report! If XXXX has made the correct adjustments, why hasn't Chexsystems done the same? ChexSystems is refusing to remove the inaccurate information. therefore, I will be pursuing legal action against ChexSystems as well as notifying the California State Attorney General 's office. It is illegal to report inaccurate information on someones report, especially if it is due to fraud. The State of California, my permanent residence state has informed me that it is a crime for a company to report inaccurate information on a consumers report if it is fraudulent and causes adverse actions upon the reportee. This will be my third complaint filed against this company for the same reason. They refuse to abide by the law and remove the false fraudulent information, so again I am opening another complaint with CFPB. Please see attachments for details and letter from the financial institution explaining that the charges were indeed fraudulent in nature, thus they have removed them and issued a credit where a credit is due. So why is Chexsystems still reporting this inaccurate information. Please rectify this right away, It is causing me undue harm, stress, emotional and XXXX XXXX and financial hardship. Because, of this reporting I was denied opening a checking account at XXXX XXXX XXXX where my car is financed, and charged fees due to not having a checking account to make my monthly payments.
Product: Credit card

My situation is that every month I was fined late fees and interest charges by PNC Bank because auto pay was not working in spite of me having set it up and every month I called customer service and they guided me on the phone while I was online to set up recurring autopay. It never worked and I was fined multiple times by the bank for no fault of mine. 

After registering a complaint with CFPB, the bank finally fixed the issue with recurring autopay and now autopay works as stated, at least it has worked last month. 

While they have fixed the issue so it won't recur, they refused to refund me the fees that was charged due to the fault of the bank. 

Not only that, the bank refused to go over the recorded customer service phone calls in their possession which clearly show that I followed the process for payments as guided on the phone by their own agents who promised me the payments I made would go through ( but didn't eventually ) Credit Card ending in : XXXX
Product: Debt collection

The XXXX XXXX sent SEVERAL harassing texts to family members indicating they were a law firm trying to reach me and sue me! They even called my elderly mother and harrassed her as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the XXXX online form to view XXXX 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a XXXX partner, RateGenius, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security Number to yet another company ( not a XXXX partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : " XXXX  : XXXX ''. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) XXXX 's false advertising on XXXX XXXX XXXX   ' : " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.
Product: Credit card or prepaid card

Harassment phone calls. Calling XXXX times a day before due date has even past. Calling from multiple numbers as well. When asked to stop calling me multiple times in a harassing way I was told to pay my bill and it would stop. My due date for my payment wasnt due for another XXXX days! Absolutely a nightmare dealing with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I switched banks and had one of my payments fail, after the field payment, I paid off all of my debt with Klarna. Yet even after paying everything off, I cant make any purchases
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has been reporting me a running late for 6x times and they have done it in to me in XX/XX/XXXX. I learned that they have switched products and increased to my payment to XXXX from XXXX, which I have been paying for years. I am recently divorced and my husband was paying the bill on line. So, all notices that are on line which Wells Fargo have always pushed me to go online because I could not talk to a person for a year because I did not know my pass word. I open the line in XX/XX/XXXX. I ask them to produce the document that says they could switch my product and all this extra money that have been given needs to go towards her my late fees. The customer service rep said they told me in XX/XX/XXXX. They could not reproduce any paper that said my payment changed, they sent me a note that does not indicate. I want them to remove the late immediately and give me the opportunity to know what products I am in what to expect.
Product: Credit reporting or other personal consumer reports

Please delete and remove these inquiries. My information may have been impacted by XXXX data breach and my identity has been compromised which has made my sensitive personal information vulnerable. 

I have no open account ( XXXX ) with any of this company : XXXX XXXX XXXX  XXXX Inquiry Date- XXXX XXXX  XXXX XXXX- Inquiry Date- XXXX XXXX XXXX Inquiry Date XXXX XXXX  XXXX XXXX- Inquiry Date XXXX Additionally, I have NEVER been associated with the addresswhich is listed on my credit report : XXXX XXXXXXXX XXXX XXXX  XXXX, Il XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Per XXXX XXXX 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information the information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. In addition, I did not give written permission to have these accounts furnished on my report.
Product: Mortgage

I understand with FHA loans. After 6 years PMI can be dropped. They will not drop it. My house appraised at {$220000.00}. I owe {$120000.00}. I have never been late and never missed a payment. They will not remove my PMI can you help get this removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX XXXX XXXX XXXX  with Mercedes Benz Financial Usa LLC, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A SECTION 2 : IT Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Promptly correct the billing error in accordance with the provisions of USC Title 15 chapter 41 Subchapter I Part D Section 1666
Product: Checking or savings account

Around XX/XX/2019 I called about the details for an account that I'd just opened promotional stipulations. I opened it with a promotion code for {$220.00} given after 90 days of meeting stipulations and was told that I would also get {$600.00} if direct deposited amount surpassed I believe of {$1000.00} or {$2000.00} which I made sure to do which no promotional code was needed for and that for the savings account being opened I would get another {$200.00} or {$300.00} I believe. However, none but the {$220.00} was given and I even asked that this be looked into and was advised by XXXX the XXXX XXXX location manager to call in and express this so the call could be reviewed and the promotions honored due to misrepresenting what I would be getting with the meeting the stipulations outlined. He explained if it took place inside a physical location in his district he'd resolve the issue and honor it due to verifying the call, but due to account being opened online it had to be honored by the 800 customer support department. 

After doing what XXXX informed me to do I was given case XXXX by the over the phone customer care supervisor XXXX. XXXX XXXX called me and stated the call was reviewed and it did support what I explained, however they were not going to honor what was offered to me at the opening of my account or what XXXX stated would happen. 

Due to getting no where I ended up deciding to close my savings account and would have closed the checking, but was advised fines would be charged to me. I apologize at this point of creating this I don't have the specifics promotional amounts, but the case number is referenced with the specifics and the calls can be viewed.
Product: Debt collection

NEVER HEARD OF THIS COMPANY. i ASKED THEM FOR AN ORIGINAL CONTRACT WITH A WET SIGNATURE, I ALSO ASKED THIS COMPANY FOR FULL RECORD OF ACCOUNTING AND I ASKED THIS COMPANY FOR INSURANCE CONNECTED TO THIS ASSUMED DEBT AND I ALSO ASKED THEM TO CEASE AND DESIST. 
1692c - Communication in connection with debt collection - Civil Liability for Willful Noncompliance, Civil Liability for Negligent Noncompliance Monetary fines for each violation, which can vary based on the severity and frequency of the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection agency called about a line of credit that I had repaired in XXXX.The loan was taken out in XXXX  in XXXX XXXX  XXXX 
That was where I was living at that time. 
I am having identity theft going on now. I can not reach XXXX or Equifax, I can not sign in to either of the websites or apps. A man by the name of XXXX XXXX XXXX has stolen my identity and is using it as a weapon against me. He lives in XXXX XXXX XXXXThe other one involved is XXXX XXXX, he is living at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX he is one of the major ones working for XXXX XXXX XXXX to destroy my credit they stole my XXXX XXXX XXXX check from my mail box I never recovered the check Please stop these vicious criminals and put them behind bars
Product: Credit card

Was hit by a car ended up in hospital. I didnt get the chance to pay and my target credit card reported 30+ days past due. 

I called and asked if it can be removed as a courtesy the agent said it automatically happened with them waiving my past due fee. I dont think he 100 % understood what I was saying. 

Also asked about another late fee being waived. Set the account up on auto-pay.
Product: Debt collection

I had recently been trying to fix my debt after a year of consolation. During such year I settled 4 credit accounts, was sued by 1 and pending another law suit from another. The current company XXXX XXXX XXXX ( XXXX  ), has picked up two of my debts from seperate entities. One of which has sued me. On XX/XX/XXXX after receiving mail communications, I finally spoke to a representative and set up two payment plans to settle these debts. One plan is $ XXXX, the other $ XXXX. These payments are recurring as an ACH from my bank account. I have missed a few already due to finances. I had told the company things were tight. Well, now they call me 2,3 and 4 times a day. They call from different phone numbers, until recently they have added " unknown '' as the caller ID. They leave the same message, " this is so and so with such and such company, please contact us ''. I have no reason to contact them, nor them me. I have an account I can log into. They have my address to write too. Payment plan is still active. This all begins aXXXX XXXX XXXX.and doesn't stop until late afternoon. All the meanwhile my account is still being paid out of when money permits. I gave them a specific date to withdraw the funds and it has not been an issue. Only upon missed payment, yet debits again the following month. I am tired of these harassing phone calls. I can't even call out due to so many calls coming in. It it as least every hour they call. I do believe it goes against fair practices and it is harassment. I've already been sued by the one debt. I did the right thing and am doing my best. To be bullied into getting more money when my ends don't meet is ridiculous.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian has been reporting improperly which is a violation.
Product: Credit reporting

I am divorced from XXXX XXXX XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, XXXX As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX XXXX Bank and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
As a second item, I have worked quite hard to satisfy all outstanding debts to the creditors at XXXX, XXXX XXXX, and XXXX. These debts are still showing as unsatisfied ; this is simply not true. Please correct these errors. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?
Product: Debt collection

The nature of the complaint is that the creditor failed to respond to a debt verification request made pursuant to the FDCPA. The basis of the dispute is that complainant was a victim of identity theft. In XXXX XXXX Complainant 's ex-spouse open a credit card account with USAA in his name, and the Complainant was unaware that the credit card account was opened. The XXXX decree was granted at the hearing on XXXX XXXX, XXXX and signed by the judge on XXXX XXXX, XXXX. XXXX days prior to the final order dissolving the marriage Complainant 's ex-wife transfers balances from XXXX of her credit card accounts to the USAA account. 
The complainant became aware of this once the balance showed on his credit report. He immediately filed a police report with the XXXX XXXX XXXX, TX police department. The case is being investigated by Office XXXX XXXX. He also filed a complaint with the Federal Trade Commission. On or about XXXX XXXX, XXXX the complainant through his legal counsel sent a written debt dispute letter to USAA requesting verification of the debt and specific documents to authenticate the account application. On XXXX XXXX, XXXX USAA responded that the credit reporting issues were out of its control referred the complainant to the credit reporting agencies and failed to provide any verification of the debt. 
The Complainant is requesting debt verification and damages and reasonable attorney 's fees pursuant to the FDCPA.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2300.00}.