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

I was using clover XXXX XXXX for both of my XXXX, note I have been using this service since XX/XX/2020. The week of XXXX XXXX, I XXXX  many vehicles due to tax refunds dropping and I used my clover flex machine to process these transactions, all approved! Immediately, the credit risk department raised red flags and held my funds. The total amount was {$22000.00}. They only gave me a partial of my funds in the amount of {$10000.00}, and continued taking fees out of my account. They rejected {$5500.00} without even notifying me to let me know. All of my XXXX  have their XXXX, and I have not even half the money. They asked me 100 questions, made me send XXXX XXXX XXXX ( XXXX ), 3 months of bank statements ( which made NO sense ) and told me my funds were to be released within 24-48 hours. I keep getting the runaround. They are now saying they refunded my XXXX of {$3500.00}, which has not even been processed, and NOW saying they are holding on to the rest of my funds and terminating my account. I have XXXX kids and trying to make an honest living out of what I have, how is this legal? I need to know my options.
Product: Checking or savings account

On XX/XX/22 XXXX requested and sent the authorization to transfer funds from my two PNC IRA 's  to my two XXXX IRAS. For two weeks nothing happened. I called PNC and they said they needed an overnight number. I called XXXX and they send an E-mail to PNC with appropriate address. This was on XX/XX/XXXX ( PNC case # XXXX ). No one from PNC contacted me about the problem until after my call I got a letter from XXXX XXXX at PNC asking for physical overnight mailing. I waited another 10 days after XXXX sent the address and still no transfer, so I called PNC again and they said they had not recieved the overnight address. So I Iooked PNC 's address up and called PNC, but they said they could not take the address from me. I asked if PNC rep would make a single call to XXXX. NO! So on XXXX XXXXXX/XX/XXXX XXXX called for me. PNC denied having ever gotten the address, and they denied getting the transfer on the Roth IRA, even though it was sent along with the request for transfer of the regular IRAXXXX  PNC again would not let the XXXX guy give them the address with out me. Today : still no funds have arrived. PNC puts up on barrier after another to stall or discourage the transfer of funds. I figure I have lost around {$450.00} from this delay because the money was being moved form a .03 % account to a 3.45 %  account at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly been mailing disputes to Equifax regarding negative reporting accounts. I have yet to see any changes and feel discouraged. I am not getting any results with handling the issues at hand. I am simply seeking for the buera to provide 100 % proof that the negative accounts belong to me. I have no knowledge of the accounts being reported. The buera is not completing a Thoreau investigation they are simply marking the accounts as verified to just move on. This is not right for the information to be held on my report without any written proof of any claims or some type of supporting documents. Accounts that are not being accurately reported is defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report. It has been more than 30 days and I haven't received any investigation results.
Product: Payday loan, title loan, personal loan, or advance loan

Coast acceptance corporation Account status : charged off Reported balance : {$6200.00}
Product: Consumer Loan

I took out a loan from XXXX XXXX XXXX with a loan company from CPS located in CA. 
I was late on my payment so the rep was setting up payment arrangements and they repoed the car. I have been trying to reach someone to get my belongings out the car but no reponse to where my car is.
Product: Credit card or prepaid card

I made my payment tu my USAA credit card on XX/XX/2019 They received the payment on XX/XX/2019 ( i called to verify ) However they refuse to allow me to use my card for 7 days even though my balance is paid in full. This has happened numerous times in the past. I would like to know if what they are doing is legal and if not have them fined {>= $1,000,000} for each occurence. I need to have use of my credit card and not be restricted for 7 days for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sovereign Lending Group inappropriately obtained my credit information from one of the three credit reporting agencies despite being on all three 's no-contact/opt-out listing for almost two years now.  Attempted to resolve the issue with the company directly, then through the XXXX XXXX XXXX, but I continue to receive unsolicited offers of credit from Sovereign Lending Group in direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - TD Bank USA states over the phone in a phone call to me that they failed to report my credit to any credit bureau in the last XXXX years of my account being open with them. They confirm that they have the correct SSN on file but are not reporting the amount. 

XX/XX/XXXX - After multiple calls with TD bank USA, they inform me that I need to send a consumer request form to them in order for them to fix the problem. They refuse to fix the problem without this form despite knowing the issue and the solution to the problem. They refuse to mail the form on my behalf and force me to mail the form. The form is mailed.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX the XXXX/XXXX/2017 wire transfered XXXX USD to Coinbase Inc. the XXXX/XXXX/2017 Coinbase Inc.  Notified by email and their support platform tha the wire transfer would be reversed in 3-5 labor days. 

So far I 've had only a repetitive response " we are working on it, we are busy, etc.. '' reaching them requires hours of phone call waiting and so far no response from their support platform except their " automatic '' follow up. 

We consider its completely unacceptable to hold our money for 10-12 days when the electronic wire transfer takes MAX 3 days, and in 90 % of the cases less then 24 hours. 

We are worried our funds are being using for their regular operations and holding it as long as possible before proceeding with the reveral.
Product: Credit reporting or other personal consumer reports

I had written to formally file a complaint regarding XXXX XXXX XXXX, XXXX. To the credit bureaus and make them aware that this collection account on my credit report in inaccurate in false. I was advised to conduct my own research on XXXX there I found that XXXX XXXX XXXX, XXXX is not a licensed collector in the state of XXXX. 

This collection entry is negatively affecting my credit score and is causing me undue stress and hardship. As per XXXX  law, any company engaged in debt collection activities in the state is required to be properly licensed. Since XXXX XXXX XXXX, XXXX does not meet this requirement, their reporting to my credit report is not only inaccurate but also unlawful. 

I kindly request that you investigate this matter and take the necessary actions to rectify this issue. I have attached copies of my credit report, documentation confirming that XXXX XXXX XXXX, XXXX is not licensed in XXXX, and any other relevant information for your reference. 
I visited XXXX where I confirmed XXXX XXXX XXXX, XXXX is not licensed in the state of XXXX. 

Please let me know if there is any additional information or documentation needed from me to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.
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 {$1300.00}, {$500.00}, {$340.00}. 
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 ) -- ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$340.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the accounts and inquiries below are fraudulent and unauthorized. 
Fraudulent Accounts : 1. Creditor Name : 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 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 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 XXXXXX/XX/XXXX
Product: Debt or credit management

Court does not have the right to put bankruptcy in credit reportreported by a third party
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints in reference to my federal consumer rights being violated by TransUnion, XXXX, and XXXX due to their reporting on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report where I discovered that American Honda Finance ( account opened XXXX ) notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
Product: Credit reporting or other personal consumer reports

I have 2 accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and synchrony bank and I spoke with them about payment extensions when I was in the XXXXXXXX XXXX XXXX. I was able to get the extensions but they have reported missed payments to the credit reporting bureaus.
Product: Debt collection

XX/XX/2020 I paid the debt collector, Scott & Associates , P.C . on behalf of XXXX  {$1900.00} because they said they filed a law suit against me. I signed the agreement agreeing to the {$1900.00}. The debt collector said the suit would be dismissed and they would report the payment to the credit bureau. Since then nothing has happened. The case is still active and i do not see that the payment in full have been sent to the credit bureau. 

Companies involved : XXXX XXXX XXXX Scott & Associates , P.C .
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX XXXX on XXXX XXXX and was denied because XXXX XXXX reported that I was a delinquent consumer from Discover credit card. I was in dispute of {$320.00} with Discover and it was paid off by XXXX XXXXXXXX XXXX sending me a check. Discover reported to XXXX XXXX I was in arrears for several months, When in fact I was is dispute with Discover. 

Now my credit rating has dropped to 630 and I can't get credit because Discover reported my disputed incorrectly to XXXX XXXX. Matter of fact it was reported as non payment not even a dispute. 

I called Discover and was refused help on XX/XX/2022. I was hung up on 3 times. 

So now I am filing this complaint.
Product: Student loan

In XXXX I had a medical crises that required extended hospitalization and resulted in me moving in with relatives to be properly cared for during my rehabilitation. My student loan in XXXX were under a deferment. During hospitalization and after, my mail was was returned to the Department of Education. I was not aware that my loans had defaulted and not able to exercise my right to an oral hearing or a delay of garnishment because I did not receive the mail. I petitioned the Department of education to stay the garnishment and grant an oral hearing through their agency XXXX. I requested oral hearing to explain my circumstances and request hardship on XX/XX/XXXX and on XX/XX/XXXX. I sent all request via certified mail and both mailed and uploaded documents directly. The Department of Education has refused to grant my right to an oral hearing even though they know for a fact my mail was returned. I have explained that the Garnishment leaves unable to meet basic expenses or pay for the critical medical care I require. As recently as XX/XX/XXXX they refused my right to an oral hearing so that I may explain my hardship, and the circumstances that led to this action. I would like an opportunity to explain my plan going forward for repayment of my student loan debt. 

I, XXXX XXXX, am writing to request that the Department of Education review my request for a hardship reprieve from the Departments garnishment of my student loans. As, I've requested in the previous two garnishment hearings I am requesting an oral Hearing on this matter. I have not been allowed an oral hearing despite repeated request This garnishment poses a significant hardship for me. I am a single Mother of XXXX and am managing a chronic illness while employed full-time. The crushing stress and constraints brought on by the garnishment make it extremely hard for me to afford to take care of my children and afford medical care. 

I have supplied the Department of Education with my expenses previously. My expense have change and the garnishment is a severe hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed numerous police reports with the XXXX Police Department in regards to the fraudulent accounts and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. I have sent copies of the police reports to Trans Union, XXXX and XXXX. The following accounts and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$1000.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, {$260.00}, XXXX/XXXX/XXXX, XXXX, {$130.00}, 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, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXXt. 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 ... received a denial letter from XXXX XXXX for request of credit ... XXXX denial, aware of due to credit freeze on all three credit reporting bureaus. In addition to XXXX, denial by XXXX  , XXXX?????? Who is this?????????????????????? We have had a credit freeze on the three agencies we are aware of and instructed to freeze to avoid identity theft - have NEVER heard of this XXXX? In addition to the surprise of finding this company, they have our credit score at XXXX of a XXXX high score!!! Really shocked now! We have had credit for over 40 years - owned 16 homes, multiple auto and revolving loans - NEVER paid late in all those years! The reasons for this score are absolutely absurd!! These credit bureaus need to reflect credit history on someone's social security number and years of credit! We have been in the mid 800 's for years and years on the other agencies. This company should NOT be allowed to be in our business without notification.
Product: Credit card

I attempted to purchase online in XXXX and was declined. I called customer service and they could not provide a reason even though the card has been paid in full since XXXX. During that call, I updated both my phone number and mailing address. The company was still reporting late payments in XX/XX/XXXX despite being paid off. I attempted to make another purchase in XXXX and was declined again. In neither case, I was given a reason that my attempt was declined. I then got a notice via XXXX XXXX that my acct was closed on XX/XX/XXXX. I have not received a statement in the mail nor an email providing a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reinserted a disputed account back onto my credit report. The account in question is XXXX/XXXX  XXXX . XXXX/XXXX  XXXX has been sued and found liable for targeting and deceitful lending practices in which I was a victim of. XXXX victimized millions of consumers. Consequently, a class action lawsuit was filed and XXXX was forced to pay damages and forgive millions in loans. The fact that the loan was fraudulently/deceitfully established, this adverse account must be removed from my credit report. XXXX and XXXX had promptly removed this account, as they should have. But, for some reason Experian continues to be the most unreliable and negligent credit reporting agency around by continuing to report illicit adverse information. I am currently suing Experian for the inaccurate reporting of a bankruptcy. I will surely bring this issue up doing my court hearing, Further providing evidence of how Experian does not abide by the FCRA guidelines. I have provided all necessary information on the XXXX account in my dispute of the account, so I will not upload again. I will take the files to court.
Product: Checking or savings account

A fraudulent check, wich I didn't know it was at the time, was deposited into my account and caused a negative into my account now because of this I no longer can not do business with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section ( 5 ) ( A ) of the FCRA- they are required to promptly delete all the information which can not b verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; AXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  # XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX