23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XXXX of 2020, I have sent in 2 different disputes of BBVA USA reporting delinquency to my XX/XX/XXXX credit report that now is showing a {$15000.00} amount out of nowhere. This is reflected on my credit report after the debt has been canceled as of this Spring. My brother received the 1099-C Cancellation of Debt form from BBVA and I haven't been listed on this account for over 5 years after the account was closed and negotiated. I've called BBVA multiple times and been rerouted through their departments ending multiple times in their collector 's hands asking me to pay the amount owed and not helping me resolve the fact that I don't owe anything. I have been fighting with BBVA since this happened years prior and am not sure why this is now just appearing on my credit as of XX/XX/2020. I have tried every route I could think of and was transferred and hung up on so many times I was at my wits ' end until my sister told me about CFPB.
Product: Money transfers

I have used Western Union multiple times in the past to send money to my fiancee in XXXX for purposes of my wedding. The last time I did this, they put the transfer on hold and asked for a lot of personal information - including my passport, ID, father 's middle name, purpose of the transfer, recipient 's information. This was honestly all more than I wanted to give for a simple money transfer. However, as I wanted it to go through, I sent this information to them. That transfer went through eventually. About a month later, I tried a money transfer again - this time they informed me that the transfer was cancelled for an unexplained " business decision '' and that it would take me 7 business days to get a refund of my money. This is terrible service - randomly cancelling money transfers without any explanation and then taking up to 7 business days to refund the money back. If they are to stop and refund in this manner, I would expect the refund to take at most 1 business day, not 7. The transfer has already been paid so I am waiting for the refund before I can try another service to send money. I will never be using Western Union again.
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. 

Account name : XXXX XXXX  XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, Account number XXXX  Account name : XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX , Iowa XXXX Subject : Formal Complaint Against TransUnion for Identity Theft Handling and Violations of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against TransUnion regarding their handling of an identity theft case and apparent violations of the Fair Credit Reporting Act ( FCRA ). I believe TransUnion has failed to adequately address my concerns, and their actions have raised serious questions about the accuracy and integrity of my credit report. 

**Background : ** I initially filed an identity theft complaint with TransUnion on XX/XX/2023 providing detailed information and supporting documentation to demonstrate that the collections account from XXXX XXXX XXXX was a result of identity theft. This account was erroneously listed on my credit report, negatively impacting my creditworthiness. 

**Concerns and Violations : ** 1. **Repeated Removal and Re-Addition of Collections Account : ** - TransUnion removed the collections account twice between XX/XX/2023, and XX/XX/2023, only to add it back each time without proper explanation or notification. This erratic behavior raises serious concerns about the accuracy and stability of the credit reporting process. 

2. **Lack of Communication and Updates : ** - Despite my initial complaint filed three weeks ago, TransUnion has not provided adequate updates on the progress of the identity theft investigation. This lack of communication is in direct violation of the FCRA, which mandates credit reporting agencies to conduct reasonable investigations and inform consumers of the results. 

3. **Failure to Act on Identity Theft Report : ** - I submitted a comprehensive identity theft report along with my complaint. However, TransUnion has not demonstrated sufficient diligence in resolving the issue, as the account continues to be inaccurately reported. 

4. **Potential Violation of Privacy Act : ** - If TransUnion is indeed aware of the identity theft claim and fails to take appropriate action, it may be in violation of the Privacy Act by not adequately protecting my personal information. 

**Requested Action : ** I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against TransUnion for potential violations of the FCRA XXXX erratic reporting practices, and failure to address identity theft claims promptly. 

Enclosed with this letter are copies of my identity theft report, previous communications with TransUnion, and any relevant documentation supporting my case. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these issues and ensure fair and accurate reporting practices. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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  Balance : {$3600.00} XXXX XXXX Balance : {$4800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} 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
Product: Mortgage

Hello, I contacted Penfed ( Pentagon Federal Credit Union ) credit union early XX/XX/2021 for a refinance on an existing VA loan to lower the interest rate and payments on the existing loan. 

I was incline to take a Interest Rate Reduction Refinance Loan ( IRRRL ) with the Credit Union for two reasons ; 1. I was already a member and 2. The Rate Quote and the no closing cost. 

During the process I was told about closing cost .. and I usually corrected them with I believe there are no closing cost, and I was told ; by the refinance agent right " no closing cost ''. 

As the date came closer to the closing date I saw closing documents that had closing cost from {$1100.00} to {$45.00} and again I asked the loan agent, I have not been told about closing cost, nor did I ask to roll over any closing cost into the refinanced amount. I was again reassured that there would be no closing cost. The closing documents were corrected and it came down to closing cost, which came out to be {$45.00}. 
This refinance will create income for the Credit Union just by collecting the interest from the new loan. So I could see the Credit Union not having Closing Cost.

My complaint is that at anytime the agents could have said, there are closing cost but it was not straight forward and that is the complaint. I pushed hard for no closing and I reviewed the closing statement very carefully, and would bring the issue of No Closing Cost at every bend of the refinancing process. The document attached lead me to believe there would be no closing cost and even with all the disclaimers on it I went ahead with the processing of refinancing our VA loan, the credit union agent could have said anywhere in the processes there is going to be closing cost, and they didn't. 

Either I was lucky, or I pushed enough and as a result we only had {$45.00} in closing cost. Perhaps others can benefit from knowing this.
Product: Credit reporting or other personal consumer reports

Received verification from XXXX XXXX that they no longer own the accounts reporting to my consumer report. CRA is reporting these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit agency about this matter. There are two bankruptcies that are reporting on my credit report in error. The credit agency stated the information has been verified. I have reached out to XXXX and XXXX both and the information is an error I will attach a copy of supporting documents to this complaint. The last letter was sent on XX/XX/2021 to have these two errors resolved and removed from my credit report. It is not okay to run the letters through their e-Oscar system and not actually reach out to the appropriate parties to solve the problem. This has been such a devastating problem that has caused me so many problems. I would like this problem to be resolved immediately and be reflected on my credit record that they have for me. Thank you in advance for your time and understanding.
Product: Money transfer, virtual currency, or money service

My unfortunate experience was related to a fraudulent scheme involving " pig butchering ''. When I attempted to make a withdrawal, the scammers demanded a tax payment. Regrettably, I was deceived into depositing my funds onto a server engaged in cryptocurrency mining. 

I initially encountered these scammers on XXXX, and the primary mode of communication with them was via XXXX. They managed to persuade me to invest my money in an exchange with the promise of generating profits. 

During several transactions conducted between XXXX and XX/XX/2022, I deposited my funds. However, when I sought to withdraw my funds I was unexpectedly required to pay a substantial additional fee. Despite my numerous attempts to seek clarification and retrieve my funds by reaching out to them, my inquiries were met with silence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Capital One, XXXX XXXX   XXXX XXXX XXXX, CaptialOne XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Capital One, XXXX Capital One, XXXX Capital One ( XXXX  XXXX XXXX Capital One, XXXX, XXXX Capital One ( XXXX  XXXX
Product: Checking or savings account

An unauthorized payment was made by cnac  XXXX missouri  when i reached out to ask why they told me the co buyer which had taken over the account was one day late. When i asked why i wasnt contacted beforehand and asked if my card could be charged they had no answer. I told them months ago to remove my card off the account and not to use it for future payment, when they updated the account and the co buyer provided his payment information they said they did and they did not. When they charged my card it caused an overdraft to my bank. I would have never authorized a payment knowing i didnt have the funds available. What they did was theft. I never signed any paperwork for auto pay or reoccuring payment authorization in fact i was told they removed my card and the co buyer who had taken over was the one they would contact for future information or payment and also that in order to process auto pay i had to come in and sign a document which i never signed. They had no permission to use my card.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 for {$600.00} I informed my bank NFCU that I was involved in a scam through XXXX. They denied my claim. 
It turned out to be a current NFCU member who was involved in this scamming transaction. 
My issue was that since all parties are NFCU members, then this type of action should be deemed unacceptable and some type of action need to have taken place towards the scamming individual. And I should receive my money back. I'm not satisfied with the decision made by my financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX we all know recently closed I had just gotten a credit card within 2 months of them closing had no idea they were closing they reporting it as a closed account and it's being reported on my credit I did not close the account they did because they went to bankruptcy the company said that their standard policy when they file bankruptcy I worked hard to get my credit good and I don't want a bankrupt company to mess it up
Product: Checking or savings account

XX/XX/XXXX, I was robbed by XXXX XXXX, Phone number XXXX. 
She took {$650.00} from my account. She is guilty of Fraud, stealing personal information, identity theft and using threats, intimidation, harassment. 
She has called my number on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
She is criminal. 
I don't personally know her, but she has personated social security administration qnd Medicare in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX , XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$8900.00} TXXXX  XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ), TransUnion, XXXX, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto account opened with XXXX XXXX XXXX auto account with XXXX XXXX, personal credit card with XXXX XXXX, a personal loan with XXXX XXXX an auto account with XXXX XXXX, a personal credit account with XXXX, a personal credit account with XXXXXXXX XXXX, a personal credit account with XXXX, and XXXX  account with XXXX XXXX. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA did not furnish me with a form XXXX after the alleged debt of {$12000.00} was charged off from an auto finance account in my name. It is to my understanding that once a creditor charges off an account, that they receive a tax deduction for the charge off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge offs, which misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies.
Product: Credit card or prepaid card

I am contacting your agency for assistance in disputing several transactions on my AMEX card account ending in XXXX and XXXX. These transactions are a direct result of an online business opportunity where what I thought I was buying was grossly misrepresented. These companies worked together selling me various related products and services that have not been delivered as they were described. The charges that I am wishing to dispute are : XX/XX/19 XXXX   {$2500.00} AMEX XXXX XX/XX/19 XXXX {$59.00} AMEX XXXX XX/XX/19 XXXX {$1700.00} AMEX XXXX XX/XX/19 XXXX  XXXX   {$2600.00} AMEX XXXX XX/XX/19 XXXX {$3900.00} AMEX XXXX XX/XX/19 XXXX {$59.00} AMEX XXXX XX/XX/19 XXXX {$1700.00} AMEX XXXX XX/XX/19 XXXX XXXX  {$2600.00} AMEX XXXX
Product: Debt collection

I received a letter from Jefferson Capital that was attempting to collect a debt from a XXXX account that was opened in my name. I do not have a XXXX account nor have I ever. The account and the debt are fraudulent and I have been the victim of identity theft. 

Jefferson Capital letter dated XX/XX/2020 for {$61.00}
Product: Checking or savings account

I have a checking account with Vystar Credit Union and recently noticed a {$29.00} NSF fee charged on XXXX for a {$6.00} transaction. I overdrew by just {$0.00}. In response, Vystar withdrew a total of {$29.00} from my savings account. 

The purpose of having overdraft protection from a linked savings account is to avoid fees like this. On XX/XX/year>, I called and spoke with XXXX from the call center to explain the situation. I clarified that I have overdraft protection from my savings account. XXXX confirmed that the charge was accurate because they covered the transaction. 

However, I explained that if they had covered the overdraft, only {$0.00} should have been taken from my savings, not the full {$29.00} fee. I believe this charge should be reviewed for possible reversal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX with EXPERIAN back in XXXX for a plethora of violations and I asked for the item to be removed from my report because it had so many errors and inaccuracies on it was not reporting proper data. Today, XXXX i tried to dispute it and it said that I already disputed the item but that was 60 days ago and all they did was update when it was to be removed. This is messing me up this account is all over the place.
Product: Credit reporting or other personal consumer reports

These accounts was charged off on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history.a charge off account should include an active payment history. Inaccurate information falsely manipulate the statute of limitations. Credit bureau failed to investigate these accounts properly and there neglect has violated more than one rights listed below.

15 us code 1601,15usc1681e ( b ), FCRA section 605 ( c ) ,15usc1681i,
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open or apply for a credit card from Wells Fargo for XXXX} and it wasnt me that open the credit card so I bet someone is using my name and SSN I want them to close that account and investigated whos the account
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you wil investigate these ITems for me to ensure accuracy. 
Here is the item I am asking you to verity as accurate : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased 2 vehicles from American Car Center. American Car Center filed bankruptcy and sold all lease agreements to West Lake Portfolio West Lake Portfolio has extended the life of the lease to 72 months rather than the original 42 months. My lease agreements was not with West Lake Portfolio. We will be returning the vehicles and want this removed from my credit report. I have been unsuccessful in getting the company to agree to the original lease agreement. Please remove both accounts from all credit reports. Thank you. 

XXXX # XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX ) proof of deletion 2. My police report 3. My FTC report 4. My Small claim form