23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accout XXXX. XXXX {$380.00} XXXX. XXXX {$1000.00} XXXX XXXX {$3700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX @ XXXX XXXX PST I sent an email to coinbase support due to my missing wire transfer that was sent on XX/XX/XXXX by my bank. AS of this date XX/XX/XXXX my wire transfer has not made it to my coinbase account nor has it been returned. My bank and I have made numerous attempts to get the wire transfer returned and according to coinbase web site all " back logged XXXX '' issues have been resolved yet here I am still waiting for the return of my {$10000.00} wire transfer. After no help from Coinbase and reaching out to Coinbase bank XXXX XXXX   without success ... My bank sent an email compliant to compliance officer at XXXX XXXX on XXXX XXXX, XXXX and have heard nothing as of today. The outgoing wire info was sent to compliance officer to investigate. On XX/XX/XXXX I rec 'd an email from " XXXX '' from coinbase customer service sending " apologies '' for delay in response and if my issues with wire transfer had not been resolved to respond to the email and they would resolve it ASAP. I immediately responded and as of today no further response and my {$10000.00} wire remains in their hands not mine! I want my wire transfer returned immediately. They said in XXXX if the account name, acct number etc didn't match exactly all wires would be immediately rejected and returned. My husband sent the wire transfer to my coinbase account and the bank put his name instead of mine. This error should have immediately caused the wire to be returned according to both banks & coinbase web site ... but it was not nor was it put in my coin base account or my husbands coin base account. Coinbase takes 45-50 mins to answer the phone and when they finally answer the phone no one can help nor can they forward you to anyone that can help ... .they simply say you have to wait until you receive an email to your concern. I have attached many documents and have many more if needed to prove my case.
Product: Credit card or prepaid card

The following charges were made fraudulent by someone who stole my wallet. Discover bank refuses to credit be back the charges. 

1 ) XX/XX/XXXX {$15000.00} XXXX XXXX ( XXXX XXXX, NY ) 2 ) XX/XX/XXXX {$360.00} XXXX XXXX ( XXXX XXXX, NY ) 3 ) XX/XX/XXXX {$510.00} XXXX XXXX # XXXX ( XXXX XXXX, NY ) 4 ) XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX ( XXXX XXXX, NY ) 5 ) XX/XX/XXXX {$660.00} XXXX XXXX # XXXX ( XXXX XXXX, NY ) 6 ) XX/XX/XXXX {$800.00} XXXX XXXX ( XXXX XXXX, NY ) 7 ) XX/XX/XXXX {$190.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 8 ) XX/XX/XXXX {$430.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 9 ) XX/XX/XXXX {$300.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 10 ) XX/XX/XXXX {$270.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 11 ) XX/XX/XXXX {$21.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 12 ) XX/XX/XXXX {$15.00} XXXX XXXX XXXX ( XXXX XXXX, NY )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for two years to get Trans Union to look into a creditor is has three duplicate charges on my credit report, the only thing that differs is the amount of interest charged.  There are three medical bills total that are ligitimate.  This bill collector posted six, as I said three of which are the same bill, different interest charge.  Not only have I not heard from Trans Union with 30 days,  I have not heard from Trans Union at all about my complaints.  There is also a new hard inquiry listed recently that I did not initiate.  The creditor is all the same company, XXXX —— XXXX.  I’m not sure of the last name.  It’s a company in Massachusettes that seem to deal only in medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of  2016 , I became separated from my wife. She returned to the household without permission in  XXXX  and my daughter and I moved out in  XXXX . I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in  XXXX  and  XXXX . The letters were sent out and postmarked before the end of the month, but  Ocwen ma rked them as 30 days late because their processing was a few days after the end of the month.     Ocwen has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily.     I have included the  XXXX  payment that was accepted on the  XXXX  and not marked late. I have included my letter to Ocwen.   When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period.   My daughter 's medical issues and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at  XXXX  to discuss.       Thanks for your help,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was contacted by a person that claims to represent Experian. 
The call originated from a cell phone number with an XXXX Alaska prefix. 
The call was received from XXXX-XXXX-XXXX  The caller told me that my credit cards were charging too much interest. The caller wanted to know who was the card issuer of the card with the highest balance and the amount of the balance. 

I told the caller I didnt have the information at the time. He said that he would call back at a later date and never did. 

This person I believe has no ties to Experian and was trying to scam me.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX, a natural person & a consumer. 

I decided to do business with this company, received the funds & saw in the contract that a finance charge was included. According to the truth in lending, the finance charge is the sum of all charges which means I should not have to pay cash. Everything is paid for with credit, I reached out to the company to let them know that & all of the laws that theyve violated & also sent them an invoice. They replied & said that theyre not subject to the FDCPA laws, and continued to take {$200.00} out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several incorrect items that are reporting on my credit file : Incorrect Address information : XXXX XXXX XXXX - ( Equifax ) XXXX XXXX ( Equifax and XXXX ) XXXX XXXX XXXX ( XXXX ) The following items are reporting in error or as a result of identity theft : XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$620.00} ( Equifax, XXXX, and XXXX ) XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$290.00} ( Equifax and XXXX  ) XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( XXXX )
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue regarding the late payments that appear on my credit report. After reviewing my credit report, I have identified several instances of late payments that I believe are inaccurate. 
I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the correctness of my credit history. I kindly request your assistance in investigating and correcting these discrepancies as soon as possible. 
XXXX XXXX XXXX and XXXX  XXXX I believe that these inaccuracies are impacting my credit score negatively, and I would like to request the removal or correction of the late payment information associated with the mentioned accounts. I have attached supporting documents, including payment receipts and statements, to substantiate my claim. 
Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. I also request that you send an updated copy of my credit report reflecting the corrections to the address listed above.
Product: Mortgage

I got a letter in the mail from XXXX Bank XXXXShellpoint about my escrow shortage of {$1200.00}, in XXXX. The letter stated my mortgage payment would go up if I didn't make a payment for the escrow shortage. I made a payment of {$1000.00} online to my escrow account at the end of XXXX. When I got my XXXX statement, I called them, because my payment was not applied. When I spoke to the agent, she said she would enter a request to complete an analysis and the new payment would go into effect on XXXX XXXX. She said she wasn't sure why it had not been applied. I waited a couple of weeks since I received zero communication online or through email. When I called the agent said they could not perform once because I did not pay the full amount of {$1200.00}, and she was not sure why. I then requested a refund of {$1000.00} that I paid towards the shortage, since the money was just sitting in the escrow account. The agent requested my banking information and I gave her the account info, to process the refund, through ACH. I gave it another month and called again in XXXX, since I never received the ACH and zero communication. The agent said my refund was not processed and she would get to the bottom of this. She said they have to do an analysis and she had never heard of them doing this. She told me a resolution date of XX/XX/year> for this. So I call back today and the agent said I should have paid the full amount and that I would have to file a complaint on the portal. I originally made a complaint on the portal, when I had this issue in XXXX. I never seen an email, phone call, or account update, on this matter. All I want is an escrow analysis and a revised payment. Why would the system allow me to pay {$1000.00}, if they needed the full amount of the shortage. Now they have my money sitting there and not using it, like I requested.
Product: Payday loan, title loan, or personal loan

On or around XXXX XXXX, I received an installment loan from Cash Express , LLC under the Tennessee Flexible Credit Act ( " the Act '' ). Accordingly, I received a periodic statement from Cash Express , LLC stating I owed around {$110.00}. Accordingly, I sent the statement and " paid-in-full '' and " accord-and-satisfaction '' check to Cash Express , LLC 's headquarters located in XXXX, TN around XXXX XXXX. Accordingly, I later received another periodic statement on XXXX XXXX, XXXX stating I owed around {$830.00}.
Product: Vehicle loan or lease

XX/XX/XXXX I went to American car center and bought a car or in the process the price of the car is XXXX. I put down XXXX in cash. My payments are {$460.00} a month. XXXX of XXXX, I discovered that American car center was closed down. The website directed me to Westlake portfolio Management. I called they claim they were taking over the payments for American car. I never signed a contract with Westlake portfolio Management. They can not produce a contract for them nor provide me any evidence I owe them this debt. My warranty with American car center has been cancelled due to them going out of business and filing bankruptcy. Also, they have removed themselves off of my credit profile and dropped my XXXX XXXX down XXXX. They are illegally repossing cars, grand theft auto, tax evasion etc. Where does this leave me and everyone else? Please investigate this ASAP. Our lively hoods depends on this.
Product: Credit card

Capital One is frauding its customers by delaying tactics to get past the amounts and interest fees I disputed a fraudulent transaction in 48 hours investigation was completed and I got a letter from Capital One attached saying dispute is approved {$310.00} will be credited one month passed no credit appeared and I got to pass the amount contacted Capital One they told me be patient you will get the credit and we will also adjust the past your fee another month passed another passed the amount of {$40.00} was charged I contacted again they said oh sorry Capital One had given you that letter in an error so you are liable for the {$310.00} and also the past few amounts of {$80.00} plus the accruing interest my card is a Quicksilver card ending in XXXX
Product: Debt collection

The debt has been paid and the company is not releasing the proper paperwork so that it can be issued to the county to release funds. This debt was paid off in XXXX of XXXX  and they have not fullfilled their part.
Product: Bank account or service

I was in contact with this bank a number of times and sent email messages via online cash manager about fees applied from the bank on this account. My last interaction was with XXXX and XXXX via chat at XX/XX/XXXX about the status of the fees and the account closing. I was told that fees would be applied and that I had until XX/XX/XXXX or 60 days from the account being overdrawn ( this excludes weekends ) to pay my account or wait until the fees were applied. On XX/XX/XXXX I log onto my account and to my shock they closed this account on XX/XX/XXXX. I called their worthless team of reps and even spoke with something that claim they were a supervisor and he stated that you now can close the account when ever. This was great information AFTER THE FACT of being told different. I am very livid with this bank and will file with the attorney general office for damages because can not change any account info due to contracts and sponsorships. I was also told that the mainantance fee would be waived and also one more fee. I am now being told that this is not the case and the account may be closed at any time. What is the point of having a customer service team!? To misinform you and now my account is closed.
Product: Credit reporting or other personal consumer reports

Speedy Cash - XXXX XXXX was asked on 4 different occasions to send me a copy of the payoff in the mail which did not happen. 

I then made it clear to XXXX XXXX XXXX- Collections Supervisor that she would not appreciate this lack of cooperation if this concerned her as the consumer. 

She then consulted with someone to finalize the absolute necessity of submitting documentation to the consumer should the consumer ask for it. 

The amount paid in full on XX/XX/2023 was {$470.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

These accounts below are the accounts I disputed against : XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX  {$1100.00} XXXX XXXX XXXX Originally XXXX XXXX {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer hasn't been reporting my payments to the credit reporting bureaus since before XX/XX/2021. I called XXXX, now Aidvantage, and they told me they report monthly but they aren't reporting. I have continued making payments every month despite the student loan payment freeze. My balance is being reported as {$19000.00} when in reality I have paid it down to {$17000.00}. I can't confirm specifically when I spoke with XXXX or Aidvantage but it was recently.
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 closed, money stolen and vulnerable and unprotected. Futhermost, their dispute resolution process was very unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Though these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I received a letter from my credit card company ( Barclays ) advising me that my credit limit had been reduced based on a report from transunion. I contacted the cc company and advised them that I had never missed a payment or had any issues with this card and I do n't understand why my limit was decreased. I was told that XXXX sends recommendations to the cc company and the decisions are made by computers not by humans and that there was nothing that I could do about it. I am filing this complaint because this is abuse by the credit reporting agencies. This decrease resulted in the lowering of my credit score because my available credit was reduced. I think that the credit reporting agency and the cc company have harmed me. The information that was provided by the credit reporting company had nothing to do with my cc and were not a result of any transaction on my cc but yet my cc limit was decreased, which in turn caused a decrease in my credit score because of the reduction of available credit. This is a combined effort of the credit reporting agency and the cc company to hurt my credit score and I do not think that this is right or fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due and the property has been sold and this account has been settled. I have attached pages 3 and 4 of the court ordered settlement ( Divorce Decree ) which clearly shows that this property no longer belongs to me. This incorrect reporting is harming my  credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit card or prepaid card

I made my minimum payment for this past month online. However, I was not only charged for the minimum payment once but twice. The second time it was cut as a check. I never authorized Discover to charge me twice or made any such arrangement. A Discover customer service representative agreed with me but I lost not only {$36.00} for the payment but I lost an additional {$37.00} because of an overdraft fee that was as a result of what Discover did. I have a phone recording of the Discover customer service representative agreeing that I never authorized the second payment, which she  agreed to be be recorded.
Product: Mortgage

I made a payment to PHH mortgage, the last day of XX/XX/XXXX to be intended to XX/XX/XXXX. It was half of the payment. The rest of the payment was payed on XX/XX/XXXX. The mortgage company notified me XX/XX/XXXX that XXXX was in a suspended account. And that I owed the amount in their suspended account. I called XX/XX/XXXX, the customer service women told me she would reverse the payment and it would take 10 business days. I called mid XXXX and was told in 24 more hours. Then nothing again was reversed. I called and spoke to another customer service who told me it would be reversed. I asked to speak with manager or management. He said no management he sent me to escelation department, I spoke with XXXX XXXX who assured me I would have a business letter explaining what happened, but that was money was suspended they could not reverse it and I owed XXXX i paid the XXXX a couple days later. I have a late payment on my credit report, paid an extra XXXX, no letter of explanation, and was misinformed by customer service on several occasions. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

UPON REVIEW OF MY CREDIT REPORT I FOUND MULTIPLE FRAUDULENT HARD INQUIRIES ON MY CREDIT AND FALSE INFORMATION SHARED WITHOUT MY CONSENT TO THE 3 CREDIT BUREUS INVOLVED. I HAVE BEEN UNABLE TO RESOLVE THE FOLLOWING WITH INVOLVED COMPANIES DESPITE ATTEMPTS TO COLLECT INFORMATION AND REACH A RESOLUTION. THESE ARE THE FRAUDULENT HARD INQUIRIES I FOUND. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALONG WITH OTHER DATA THAT WAS SHARED WITH EQUIFAX WHICH I DID NOT APPROVE SUCH AS THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

FirstPoint Collection Resources Located at XXXX XXXX XXXX   XXXX, North Carolina XXXX, USA Is in violation of 15 U.S.C. 1692-1692p Againts ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )