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

I was trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I logged into the TransUnion credit website to request a free annual copy of my credit report. I went through the site 's information gathering process to collect my name, address and particulars in order to request my report. I was surprised that they asked for my credit card, as I was expecting to get a free annual credit report. At no point, did the TransUnion website make it clear that I would be billed, and no fee or billing agreement was provided to me. I did get the TransUnion credit report, but I was billed {$24.00} without my consent or understanding. This report should have been free, as I've not requested a credit report for over three years and I requested only a single agency report. I believe that TransUnion intentionally hid the fact that I would be billed. I believe this is a deceptive practice and TransUnion should be explicit about the fact that they are going to bill your credit card and the amount they are billing. The website should explicitly state that you are purchasing a credit report and you should explicitly agree to an amount to be billed to your credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

IMPROPER USE OF CREDIT 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
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Institutional Trust SVCS. Phone number XXXX has sent me erroneously codes 1099 Rs twice. I called and the sent the wrong form again. I called again and they said they would send out the correct forms on XX/XX/XXXX. I called back and they said they had not sent them. I need these 1099 Rs to file my taxes. I am running out of time to file on time. They 1099 Rs were coded as early withdrawals but I am XXXX so they should be coded as 1099 R 7, not coded as a 1 and a 2 like they were.
Product: Checking or savings account

Subject : Complaint About Unjustified Account Closure by PenFed Credit Union Dear CFPB, I am filing a formal complaint regarding the sudden and unexplained closure of my account by PenFed Credit Union. 

On XX/XX/2024, I opened an account with PenFed under my name, XXXX XXXX, using the email address XXXX. During the account opening process, I provided all the required documents, including my Individual Taxpayer Identification Number ( ITIN ). PenFed explicitly states that they support opening accounts with an ITIN, and my account was successfully opened after meeting all their requirements. 

However, shortly after the account was opened, PenFed unexpectedly closed it without providing any explanation. This action has left me confused, frustrated, and deeply dissatisfied with their service. I have not engaged in any activities that would violate their user agreement or terms and conditions. 

I feel that PenFeds actions are unfair and show a lack of respect for consumers. Closing an account without justification not only disrupts my financial activities but also undermines the trust I placed in their institution. 

I am requesting CFPBs assistance with the following : 1. Investigating the reasons for the sudden closure of my account. 
2. Ensuring that PenFed provides a transparent explanation for their decision. 
3. Advocating for the restoration of my account, as I believe the closure was unwarranted. 

This situation has caused me significant distress and inconvenience. I urge CFPB to ensure accountability and transparency in this matter. I am willing to provide any additional information needed for your investigation. 

Thank you for your time and support. 

Sincerely, XXXX XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, My Name is XXXX XXXX XXXX XXXX, XXXX XXXX and mailing address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 

This letter is a formal complaint that the following creditors are reporting inaccurate credit information : 1- XXXX XXXX XXXX XXXX XXXX ( LVNV Funding LLC ) 2- XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 3- XXXX XXXX XXXX ( XXXX XXXX XXXX ) DO NOT RECOGNIZE I am very distressed that this company has included the below information in my credit profile, due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on these reporting creditors part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a several credit cards and business loans, which was highly embarrassing and has negatively impacted my lifestyle. 
With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.
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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds 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, 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 {$4800.00}, {$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 ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2015 with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I transferred XXXX Bitcoin in blockchain.com on XXXX XX/XX/2017 that time this exchange name was blockchain.info I staked some amount of bitcoin in their exchange and now I wanted my funds back but they neither given my staked interest nor they are allowing me to withdraw my principal amount. I raised ticket on their platform they asked me some personal details but even after getting my all details they have disabled withdrawal and not responding to my mails now. Its seems like a scam now. I am surprised that this exchange is licensed by your organization. The XXXX XXXX XXXX XXXX. Please help me to get back my crypto fund.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

According to 15 USC 1681 E B You are suppose to ensure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.

Delete account immediately for violating 15 USC 1681 E B I have compared both XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX. That's being reported to TransUnion and XXXX credit reports. See Attached Documentations XXXX reports that XXXX XXXX XXXX XXXX was paid/closed/never late. XXXX also listed last payment date of XX/XX/2023. The last payment made XX/XX/2023. 
Transunion on the other hand reports paid/closed ; was 30 days past due date. In the payment staus column. The same exact closed date as XXXX does XX/XX/2023. The exact same reported date updated XX/XX/2023. 
As you view my supporting documents. In XXXX of 2023 TransUnion never reported for that month. While XXXX reported for the month of XX/XX/2023. 
This is inaccurate information being reported by TransUnion. I ask that you Delete account
Product: Checking or savings account

On XX/XX/2021 there was a unauthorized charge in my paypal account. I noticed the debit out of my bank account on XX/XX/2021. I filed a dispute the same day with PayPal. As of today XXXX XX/XX/2021 they denied me with no form of documentation and or proof of the transaction. They did not even utilize the 14 business days to even research. They just denied me. 

My account is a small business account called XXXX XXXX XXXX XXXX The unauthorized amount Is {$620.00}.
Product: Vehicle loan or lease

i need the gap imformacion and i need the protection for no pay my loan the loan companies ned the provide help for repo
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : ACC **XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to Transunion XXXX XXXX  and XXXX  in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.
Product: Credit reporting or other personal consumer reports

The name of the company is Acima. 
My credit report for XXXX, XXXX and XXXX is reporting my pay history. 
This account was included in bankruptcy, which was discharged in XXXX 
I called the company and they said they are not reporting this and there is nothing they can do. I have disputed this with the agencies, to no avail. 

After a discharged bankruptcy, all payment history is to be deleted and the above 3 agencies will not remove it. This is keeping me from qualifying for any credit. 

Thank you in advance.
Product: Student loan

I knew something was wrong with my repayments when I saw that I am being asked to pay {$0.00} per month for the next 14 months ( I have an income and should be paying more than that ). I requested the company tell me what reported income they are basing my monthly payment calculations on on XX/XX/23. The automatic reply was that they would respond within 2 business days. I have not gotten a response yet, it has now been 7 business days. In the meantime I resubmitted my income verification in case that was the problem. A few days ago, my account was suddenly placed into administrative forbearance without explanation. Interest is accruing daily although I am supposed to be enrolled in the SAVE plan and apparently have no payments due. I have been on hold for 40 minutes so far to try to get an explanation. It is unclear if any of this will negatively affect my credit score. I have income available to make required payments, but customer service is inadequate to allow me to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX year old Private client of XXXX for over 26 years. I previously put five of my personally own companies accounts through CB in XXXX, CT XXXX. For 26 years I have had a Chase slate Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per Chase suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the Chase card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called Chase cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave Chase a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that JPMCB har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called Chase Automatic Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that Chase would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from Chase about the card. I want the incorrect implication in my credit files removed immediately!
Product: Debt collection

XXXX XXXX XXXX XXXX dba Attorney at Glasser and Glasser P.L.C. has been alerted that they were interfering with a billing dispute with XXXX XXXX XXXX XXXX. All correspondence has been ignored. No contract exists between XXXX and XXXX XXXX. and myself yet they are threatening to foreclose simply because they purchased a debt that was discharged from XXXX XXXX XXXX XXXX. They were also informed that they are interfering in a XXXX matter. 
A copy of the debt discharge was sent to XXXX XXXX XXXX XXXX via XXXX mail. 
XXXX XXXX XXXX XXXX and its agents hired XXXX XXXX XXXX, XXXX as the closing attorney who had his license to practice law suspended just XXXX months after my closing for making false statements to Federal agents for real estate matters. XXXX months later, XXXX XXXX XXXX, XXXX license to practice law was revoked for misconduct. 
Certified mail was sent to alert XXXX XXXX XXXX XXXX dba Attorney and the Principal for Glasser and Glasser P.L.C. that the original closing attorney mishandled the closing of my home. XXXX XXXX XXXX XXXX dba Attorney and the Principal for Glasser and Glasser P.L.C. have notified to Cease and Desist collection efforts. 
XXXX XXXX XXXX XXXX XXXX dba Chief XXXX XXXX, XXXX XXXX XXXX Chief Compliance Officer and Trustee XXXX XXXX have been notified of the error at closing via Registered Mail.
Product: Checking or savings account

I have been turned over to a debt collection agency because the bank says I owe them {$1100.00}. This is not possible becausue I did not have checks to the account and it was set up so that if the money was not there I could not use the debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX/XXXX XXXX  Balance : {$950.00} XXXX/XXXX  Inquired on XXXX XXXX XXXX XXXX.
Product: Debt collection

Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX I XXXX XXXX a federally protected Consumer to Receivables Performance Management your company has continued to call my phone several times each day demanding me to provide my personal information over the phone without telling me who you are and who sent you to harass me, threaten me, abuse me, and coerce me into whatever your company wants me to do. I am not sure how this company retained any of my personal information and I fear this may be an AGGRAVATED IDENTITY THEFT case. I have been afraid to answer my phone for fear of Receivables Performance Management 's continued harassment. I have been so afraid to answer my phone to the point of having XXXX, fear, and headaches. I must let my family members answer my phone since Receivables Performance Management has started harassing me. MY FAMILY AND I HAVE BLOCKED SEVERAL NUMBERS FROM Receivables Performance Management. Each of the numbers listed here is ( ( XXXX ) ) ( ( XXXX ) ) ( ( XXXX ) ) from Receivables Performance Management after I block each number they call back to back all day from different numbers. MY FAMILY WAS ABLE TO RECORD SOME OF THE CALLS I do not owe Receivables Performance Management. I never had any contracts/master agreement/ bill of sale/ assignment/ terms and conditions/promissory note/ no bindings to pay any debts to/with Receivables Performance Management. If Receivables Performance Management is buying paper in an attempt to collect debts from XXXXonsumers I have no part in that. Cease all communication with me, my family, my friends, and all Consumer Reporting Agencies as soon as possible. Otherwise, I will consider this aggregated Identify Theft as I never gave my written permission for your agency to have my personal information, sell, transfer, or publish any of my personal information, transactions, or experiences. I am requesting {$3500.00} for each call and emotional damages. I feel this is a fair amount outside of placing a lien and filing suit this amount would be much greater.

Damages for emotional distress from relentless calls have caused me XXXX, and fear, and have affected my overall well-being incredible invasion of privacy. 

TELEPHONE CONSUMER PROTECTION LAW $ XXXX {$1500.00} per call 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 c ( a ) ( 3 ) At the place of employment when knows that the employer prohibits such communications 1692 d ( 5 ) Caused the phone to ring or engaged any person in telephone conversations repeatedly 1692 d ( 6 ) Placed telephone calls without disclosing his/her identity? 
I AM REQUESTING MONETARY RELIEF FROM Receivables Performance Management FOR THE ISSUES/VIOLATIONS CAUSED IN MY COMPLAINT. Any damages I sustained are recoverable under the law. Receivables Performance Management has violated ( ( FCRA ) ) ( ( FDCPA ) ) ( ( FCCPA ) ) I HAVE ATTACHED MY FTC REPORT
Product: Checking or savings account

XXXX, an ACH transaction was completed by XXXX XXXX XXXX  after XXXX that day. According to Wells Fargo it was immediately returned due " Insufficient Funds. '' Wells Fargo clearly states that they give everyone an " Extra Day Grace Period '' to settle accounts before being charged an over draft fee or returning the charge. I received my pay check just after XXXX on XX/XX/2023, there was nearly XXXX dollars already in the account, XXXX was applied on XX/XX/2023, tou checking account brining it to XXXX. My employer paid early, usually it will not be paid until the Friday. It clearly showed ony account, the entire day of XXXX XXXX, it remained there until the evening of XX/XX/XXXX. Therefore that deposit should have taken care of the ACH request of XXXX it did not, instead Wells Fargo revoked the funds claiming that the employer did not want it posted til Friday which they do not have any legal right to speak tou employer for any reason, the claim is false. They revoked my pay until XX/XX/2023 and by the they had already returned the ACH charge without funding even though the funds were available on XX/XX/XXXX. They not only stole funds from me for XXXX hours but they refused to honor the " Extra Day Grace Period, '' XXXX g that it's up to the system to decide payment or not, '' or that policy only applies to over drafts, to which this was a temporary overdrafts. Not only has Wells Fargo committed fraud but they have decide to be choosy on who gets the " Extra Day Grace Period '' even though there are no specifics and it is offered to everyone who has a Wells Fargo account. 
I keep getting the same excuses " were still processing the complaint, '' or " We can't do anything about it. '' Wells Fargo refuses to honor their policies and has committed fraud to which they refuse to rectify unless they are taken to Federal court.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ).

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> revious Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.