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

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX has reported my account to the credit bureaus XXXX, XXXX, and TransUnion. I am combining the reports on these 2 companies because they addressed me in 1 letter of correspondence, claiming the 2 accounts were being addressed simultaneously. Their actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously contacted the creditor in regards to my account, once I noticed it was being reported as late. They had out-dated bank account information, which I had previously attempted to update, to no avail. When I explained this to the representative, they expressed that since the mistake was through no fault of my own, they would remove the negative information they were reporting to my account so long as I caught up on the missed payments, which I did. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX has also reported inconsistent and inaccurate information to XXXX, XXXX and TransUnion regarding this account. Specifically, the payment status shows as " Paid as Agreed '' on both Transunion and XXXX, while XXXX reports " Late 150 Days ''. The date of last payment is reported as XX/XX/year> on both Transunion and XXXX, while XXXX reports a date of XX/XX/year>, and all 3 credit bureaus are reporting different remarks under " comments ''. Despite multiple disputes, all 3 credit bureaus continue to report this inaccurate information, indicating XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Money transfer, virtual currency, or money service

Scammer reached out via XXXX. Scammer sent checks via email, requesting partial payment via XXXX  and XXXX. XXXX XXXX was sent and money was transferred. Chase bank then said all checks had bounced and that money was not recoverable.
Product: Money transfer, virtual currency, or money service

PayPal do not disclose fees that are charged on recipient side of the transaction. {$350.00} XXXX were charged for transferring funds. 
I was outraged when I found out about the rip-off. Immediately submitted request to cancel the transaction, but the response was it takes 90 day for review. Another rip-off ... so the consumer forgets about it in 90 days. Dispute Case ID XXXX opened on PayPal support website.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, According to USC 6827 Department of educationXXXX XXXX has violated my rights ( 1 ) Customer The term customer means, with respect to a financial institution, any person ( or authorized representative of a person ) to whom the financial institution provides a product or service, including that of acting as a fiduciary. 

( 2 ) Customer information of a financial institution The term customer information of a financial institution means any information maintained by or for a financial institution which is derived from the relationship between the financial institution and a customer of the financial institution and is identified with the customer. 

( 3 ) Document The term document means any information in any form.

( 4 ) Financial institution ( A ) In general The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. 

( B ) Certain financial institutions specifically included The term financial institution includes any depository institution ( as defined in section 461 ( b ) ( 1 ) ( A ) of title 12 ), any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, and any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis ( as defined in section 1681a ( p ) of this title ).

( C ) Securities institutions For purposes of subparagraph ( B ) ( i ) the terms broker and dealer have the same meanings as given in section 78c of this title ; ( ii ) the term investment adviser has the same meaning as given in section 80b2 ( a ) ( 11 ) of this title; and ( iii ) the term investment company has the same meaning as given in section 80a3 of this title. 
( D ) Certain persons and entities specifically excluded The term financial institution does not include any person or entity with respect to any financial activity that is subject to the jurisdiction of the Commodity Futures Trading Commission under the Commodity Exchange Act [ 7 U.S.C. 1 et seq. ] and does not include the XXXX XXXX XXXX XXXX or any entity chartered and operating under the Farm Credit Act of 1971 [ 12 U.S.C. 2001 et seq. ]. 

( E ) Further definition by regulation The Federal Trade Commission, after consultation with Federal banking agencies and the Securities and Exchange Commission, may prescribe regulations clarifying or describing the types of institutions which shall be treated as financial institutions for purposes of this subchapter.
Product: Money transfer, virtual currency, or money service

I placed a domestic wire transfer on XX/XX/2022, and until now ( XX/XX/2022 ) they are not able to see where the funds are even after placing a trace on the wire transfer. The beneficiary has not received the funds and they already pulled them from my account on XX/XX/XXXX, the day I placed the wire transfer. 

I called almost everyday to check if there has been any update, but every call it ends up being the same thing being either " no update yet '' or " we can place another update request '' and it has been those two responses over and over for the past few weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

XXXX  XXXX {$4000.00} XXXX  XXXX {$5300.00} DEPT OF EDUCATION/XXXX  XXXX {$1700.00} BANKRUPTCY CHAPTER 13-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed several credit inquiries on my credit report that I do not recall authorizing. I understand that the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please assist me with having these inquiries reported by Equifax removed from my credit file because it is affecting my financial integrity and making it very difficult for me to acquire new credit. 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 : HARD INQUIRY - XXXX XXXX Has violated my rights- Delete immediately HARD INQUIRY - XXXX XXXX XXXX XXXX ; XXXX - Has violated my rights- Delete immediately HARD INQUIRY - XXXX XXXX XXXX - Has violated my rights- Delete immediately HARD INQUIRY - XXXX XXXX XXXX - Has violated my rights- Delete immediately HARD INQUIRY - XXXX XXXX XXXX XXXX - Has violated my rights- Delete immediately HARD INQUIRY - XXXX XXXX - Has violated my rights- Delete immediately 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 an 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. 

These inquiries are unauthorized and shouldnt be reported. I have brought the issue to the attention of the credit bureau mentioned. There are multiple errors throughout my credit report from all three credit bureaus and it is my right to have these accounts reported accurately under the fair credit reporting laws. As a resolution, I want these inquiries DELETED : This activity was never authorized, and need it to be rectified immediately. Please delete these from my credit report immediately. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 I applied for a mortgage loan through XXXX XXXX. XXXX XXXX denied me due to Equifax reporting a XXXXXXXX XXXX, attached is adverse action letter. When I reviewed credit reporting score as of XX/XX/23 the score is reflecting XXXX score which was not reported to lender. I am unable to tell the discrepancy between the reports and would like to have corrected reporting score.
Product: Checking or savings account

I filed a dispute about unauthorized transactions. There was a bunch of them. I used my card on XX/XX/2024 at a place by my house called XXXX  XXXX. I took in a little wallet thing I had with my card ID and my pin. I thought my card was in my purse that I left in my sisters car until I got a text message alert XX/XX/2024 asking me about fraudulent charges. So I canceled my card. Wells Fargo said no error occurred and they wouldnt reopen my case. They sent me the information they used in the investigation and none of it states that it was me or someone I know that made the transactions. After I made a complaint against them they closed my account. They didnt handle my first CFPB complaint professionally at all. Talked to them once and they next day they said your case is closed we are doing nothing.
Product: Debt collection

I I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to an transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Product: Credit card or prepaid card

Closed my account with insufficiently. Due to virus my employer was behind on payroll. He did agree however to pay monthly bill in addition to my monthly payment. Past history shows this was done successfully thru past year. Last few were unsuccessful but note these were in addition to my regular on time every month payments. These that didnt clear were additional payments. Ive had XXXX accounts over the years and paid first XXXX in full and always paid on time every month on this account. Employer was behind on payroll and offered to make extra payments to compensate to the account. I had no idea these didnt clear until now
Product: Credit card

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Product: Checking or savings account

All I want to do is link my PNC Bank account with XXXX and PNC will not allow me to do that. They are keeping me from making investments for my future earnings. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the account listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX 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 an account without my written instructions.
Product: Mortgage

Did an adjustable mortgage in XX/XX/XXXX with XXXX XXXX XXXX XXXX who apparently wasnt licensed at the time to do business. They were not licensed until XX/XX/XXXX 5 months later. ( without my knowledge ) IN XXXX i refinanced with XXXX which should have paid off XXXX XXXX XXXX XXXX ( Until a few years ago I assumed they had been paid ) However apparently XXXX went out of business and never paid off XXXX XXXXt. XXXX seems to tell me they bought lenders direct loans that XXXX was apparently servicing. ( I dont believe that chase bought lenders direct mortgages at all ) even though my mortgage was with XXXX only because of my refinancing. XXXX was fined for trying to say they bought XXXX loans in XXXX. I dont have my HUD records as they were destroyed in a flood at my home. Now XXXX keeps telling me they were only the servicer and XXXX XXXX was the owner of the XXXX XXXX XXXX. Is there a way to find out who really bought XXXX XXXX XXXX XXXX loans even though my loan was done fraudulently without a mortgage license. Im tryng to get to the bottom of this fraudulent mortgage fiasco.
Product: Mortgage

Lima one has the mortgage on a rental property I own. In XXXX and XXXX they increased by escrow because they calculated the payment on my insurance wrong. After months of arguing with them they refunded the overpaid amount. Again this year they increased my escrow because of a miscalculation of the insurance. I have been requesting it be changed back to the proper monthly payment since the beginning of the year but they have refused to take action. They have requested my insurance documentation several times and it has been provided but still will not answer me on the resolution of the payments. XX/XX/XXXX will be the third month that they have charged me incorrectly this year. I have made the incorrect payments as not to default on my mortgage but I need some resolution with them.
Product: Credit reporting or other personal consumer reports

TransUnion is furnishing a public record that has been removed by XXXX XXXX which TransUnion claims is furnishing this information. The account has been permanently removed by XXXX XXXX because of my employment status and needs to be promptly removed from my consumer report. Please see attached letter from XXXX XXXX stating that this information is to be removed permanently. TransUnion is causing me to lose out on important business opportunities that could change my family 's life.
Product: Credit reporting or other personal consumer reports

Hi CFPB, I need help documenting TransUnions negligence in how they process disputes, resulting in incorrect public records on my credit report. TransUnion blatantly ignores consumers ' rights under the Fair Credit Reporting Act ( FCRA ) * ( 15 U.S. Code 1681 ) by failing to ensure the accuracy of their reporting and not conducting proper investigations when disputes are raised.

Under the FCRA, TransUnion is legally obligated to : - Follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports ( 1681e ( b ) ).

- **Investigate disputes** within 30 days of receipt and correct any errors if an inaccuracy is found ( 1681i ).

- Provide consumers with the results of the reinvestigation within 5 business days of its completion ( 1681i ( a ) ( 6 ) ).

Despite these clear legal requirements, TransUnion has **negligently** failed to comply.

I have repeatedly attempted to resolve a dispute, only for TransUnion to recycle the same flawed dispute results rather than conducting a legitimate investigation. As a consumer, I am entitled to a thorough and proper investigation into incorrect information on my credit report. It is impossible for TransUnion to have completed a real investigation within mere hours, yet they consistently return a decision in that timeframe. This **negligence** is a direct violation of the FCRA.

Specifically, I submitted a dispute regarding a bankruptcy inaccurately listed on my credit profile, which belongs to a family member with a similar name and Social Security number. Despite this clear error, TransUnion has **failed to properly investigate** the issue, leaving the incorrect record on my report. Under 1681i, they are required to conduct a reasonable reinvestigation into disputed information, which they have **negligently** failed to do.

TransUnions **negligence** in failing to follow these FCRA-mandated procedures has caused me financial harm, and I believe their actions represent a violation of consumer rights. I request that you sue TransUnion for their **negligent practices**, which affect not only me but likely many other consumers. I intend to submit a complaint every month until this error is corrected, and I hope that other affected individuals will come forward to expose how TransUnions **negligence** has harmed them as well. 

Thank you for your time and attention to this matter. 

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

In the end of XXXX I noticed XXXX XXXX  showed up on my XXXX XXXX Credit Score under TransUnion. At that time, I reached out to XXXX XXXX  to inquire about nature of debt. I was informed that the debt is from an XXXX  XXXX line between the years of XXXX and XXXX. I communicated to the representative that I am unaware of services I received from XXXX during that time period. I was told to reach out to XXXX for confirmation. Upon reaching out to XXXX I was told that they no longer have any information on accounts and to contact XXXX XXXX. On XX/XX/XXXX, XXXX  XXXX offered to reduce amount by 50 % to {$110.00}. I reiterated that I still have no knowledge of the account but I wanted to resolve this credit issue and was becoming increasing frustrated and exhausted from length of call without resolution. Out of pure exhaustion and frustration I attempted to pay the amount to get all of this behind me, even though I was still unaware of origin of debt and debt collector reported not having the information. This led to several more hours of attempting payments online and being directed to bank payment sites at the instruction of representative. Outcome of this multiple hour call was a confirmation number from site suggested to go to for payment. I was told I would receive an email to confirm. Weeks later, I still had not received email or confirmation and called back. Representative informed me no payment had been made even though they had a confirmation number they referenced in account. I was informed that I paid XXXX  directly and I shouldn't have. I informed XXXX XXXX I only followed their laborious and confusing instruction. After call ended I checked bank statements to see if payment had been made or not. Charge did not leave my banking account. I feel duped and not even sure this is a legitimate debt collection agency and I am unwilling to pay or settle for a debt I am not aware of and collector can not provide information on. Feeling extremely frustrated and hoping submitting this complaint will provide some resolution and/or shine a light on a fraudulent or incompetent debt collection agency.
Product: Credit card or prepaid card

On XX/XX/XXXX I called to report that my purse had been stolen 2 days prior. When I spoke to the representative through Wells Fargo Services, I was advised that I would not be held accountable for any transactions made on my account. At the time I called, I was asked if I had made any recent transactions. On XX/XX/XXXX, I was also advised an amount on my card for {$2100.00} was pending and the amount was adjusted and removed. The first card was closed and a new card was issued with a {$0.00} balance. I was sent a letter by the dispute department l, which I signed and dated confirming I did not authorize any charges. On XX/XX/XXXX, I received a letter from the dispute department stating this was a valid charge and my name and address matched for the transaction. I called immediately and spoke to card services again. The agent was rude and kept stating he could not help me and offered a fax number. I requested to speak to a Supervisor and she confirmed they had no notes on my file stating my purse was stolen along with my SS security number, driver 's licence, contact info such as phone number, email, etc. I always carry this type of information in my planner and wallet.
Product: Checking or savings account

Discover claims to have " unclaimed property '' in my nane, an amount of {$6.00}, according to notice received, copy is attached. Discover has my correct address, as shown on notice, has not mailed a check for " unclaimed property ''. It appears Discover is attempting to keep funds, otherwise, check would have been mailed.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Experian
Product: Checking or savings account

My account was restricted after I made a deposit. I contacted them to see why this was done stating I really needed access to these funds. They have no helpline and only use chat or email. Each time I asked on live chat the agent would look my info up and then immediately say they cant help and that this must be followed up by a phone call or email. They never have called and have emailed but basisaunthe same thing they are still reviewing yet have no reason or most important no access to my funds its my understanding they cant hold funds for weeks or indefinitely especially without any good reason or disclosing the reasons at least. This has caused much more then the deposited amount in hardships and after they hang up on me each time on the chat and have no phone number to deal with the issue 30 days plus I believe is against policy and possibly illegal. Therefore I want immediate access to my funds and any damages that I may be Im entitled to.