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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX ACCOUNT NUMBER TD BANK XXXX CREDIT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

I CALLED PORTFOLIO RECOVERY ACT TO SETTLE A BALANCE. THE CSR WAS VERY RUDE AND WHEN I ASKED HOW MUCH IT WAS GOING TO BE TO SETTLE, SHE STATED SOMETHING SIMILAR TO " WHY? YOU DONT HAVE THAT KIND OF MONEY '', " YOU COULDNT PAY THE MONTLY PAYMENT OF X $ ON YOUR CREDIT CARD, BUT YOU HAVE THE MONEY TO SETTLE ''? SHE WAS VERY RUDE AND WAS WORKING AGAINIST ME. I THEN TOLD HER I WOULD SEND THE MONEY TO XXXX AND SHE STATED THEY WILL SEND IT TO PORTFOLIO. THAT DAY I WAS CONTACTING XXXX DIFFRENT AGENCIES TO CLEAR UP MY DEBT, THE OTHER XXXX WORKED WITH ME AND THE DEBT IS NOW PAID. THIS DEBT IS STILL OUTSTANDING SINCE SHE WAS SO RUDE WITH ALL HER COMMENTS AND SLANDER THAT NOTHING WAS RESOLVED THAT DAY.
Product: Credit reporting

I HAVE DOCTOR BILLS FROM FAME AND XXXX XXXX WHICH ARE MY ADULT SONS BILLS FROM WHEN HE WAS AN ADULT ON HIS OWN. ALSO I HAD INSURANCE AT THE TIME THE XXXX XXXX BILL FOR MY DAUGHTER UNDER XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report inaccurate information concerning my credit file. I am fed up with it and i have proof. I have disupted my address is XXXX XXXX XXXX XXXX. I have sent proof and it matches my drivers license. Yet inaccurate address continue to be reported.MY RIGHTS AS THE FCRA SECTION 623 ( B ) IS BEING VIOLATED PURPOSELY.

THe only address that should be listed on my credit file is XXXX XXXX XXXX XXXX XXXX TX XXXX 2. XXXX XXXX XXXX ACCOUNT # XXXX shows date opened of XX/XX/XXXX it has a balance listed of XXXX its listed as a charge off and date closed of XX/XX/2015. How was this verified with a blindfold? How is the balance higher than the high balance. How was the last payment made on XX/XX/2015 if it was closed XX/XX/2015. THIS IS ALL WRONG NOT PER PROMISSARY NOTE PROVIDED BY XXXX XXXX XXXX 

TRANSUNION HAS BEEN REPORTING THIS AS VERIFIED!!! HOW CLEARLY IT SHOWS THAT THE PREVIOUS BALANCE IS XXXX AND IT SHOWS 4 PAYMENTS OF XXXX MADE. NOT 32? IT CLEARLY SHOWS THIS WAS PAID OFF. WHY IS IT STILL SHOWING I OWE THIS COMPANY??? THIS NEEDS TO BE DELETED AS SOON AS POSSIBLE BECAUSE IT CLEARLY WASNT VERIFIED. 

3. XXXX ACCOUNT # XXXX I HAVE NEVER BEEN 60 DAYS LATE ON THIS ACCOUNT PLEASE UPDATE
Product: Debt collection

They called and left a voicemail saying that I needed to call them about my account that is due and I share my voicemail with my boyfriend.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second dispute with Transunion Current File File Number XXXX Report DateXX/XX/2020 Name : XXXX XXXX XXXX . Received an email today from Trans Union. Dear XXXX, We have completed our investigation of information contained in your TransUnion credit report. You may now view the results online by logging into your account at : https : //dispute.transunion.com You have until XX/XX/XXXX to view the results online. Please log on before your account expires. 
TransUnion is committed to helping consumers make the most of their credit. If you have any additional questions or concerns, please contact TransUnion at the address below. When contacting our office, please provide your current file number XXXX. TransUnion Consumer Relations XXXX. XXXX XXXX XXXX, PA XXXX Thank you. TransUnion Consumer Relations They are still reporting inaccurate information for my XXXX XXXX XXXX. This was paid off in full last month in XX/XX/XXXX. The balance is from XX/XX/XXXX. I am getting ready to file a third complaint with Trans Union and 2nd one with you. see attachments. Please please help me.
Product: Checking or savings account

Capital One has not given thousands of their customers their direct deposits from our jobs, including me! Its been three days and no answers, only one Kittle email saying itll be fixed XXXX morning and it is now the afternoon. This has caused me to be behind on a bill that I planned to pay with my check. When I called I was on hold for over 40 minutes and then they hung up the phone. This is absolutely ridiculous. I need My direct deposit and they arent doing anything to fix this for thousands of people who need their money for bills and food.
Product: Mortgage

XXXX XXXX has been working with servicer, PennyMac, for over four years trying to accomplish a short sale or a deed in lieu. XXXX first contacted her mortgage servicer when her hardship began to avoid foreclosure and find a resolution that benefited all parties involved. Upon review of the short sale in XXXX, PennyMac declined the short sale and encouraged XXXX to complete a deed in lieu of foreclosure instead. Upon completion of the DIL review, PennyMac then advised XXXX to re-list the property as a short sale and attempt the short sale. This was incredibly misleading as the previous buyer walked when the short sale was declined. Now, years have gone by without resolution on the debt and PennyMac 's unwillingness to work with her has caused the property to go into foreclosure. Once again in XXXX, the property was listed for sale via a short sale and an offer was received on the property. We ultimately had to dispute the value set forth by the VA and we had an agreed upon adjusted value and offer in the amount of XXXX. PennyMac then issued a decline on the XXXX offer stating that the net proceeds were unacceptable due to the deficiency on the loan. We reached out to the VA and they confirmed that PennyMac 's decline does not abide by VA servicing guide and that the servicer, PennyMac, should have accepted the short sale offer on the property. Please see attachment. Since XXXX XXXX, we have been unable to get answers on PennyMac 's short sale decline. The court agreed to cancel the foreclosure sale date of XXXX and reset the sale date to XXXX to allow additional time to close on the short sale. The foreclosure sale date is now re-approaching and we have not gotten anywhere with PennyMac. They have encouraged XXXX, yet again, to apply for a deed in lieu. There is a decent offer on the property which should have been accepted back in XXXX. It is clear that PennyMac is not willing to work with this homeowner who is clearly trying to avoid foreclosure and find a resolution.
Product: Credit card

XXXX XXXX XXXX - based in XXXX Over {$1600.00} collection amount on credit report for a {$300.00} credit card since XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX and credit card company did not file a claim. I attempted to settle debt for credit card limit {$300.00}. Debt collector attempted to collect XXXX % or more of a card -- - not used/closed since XX/XX/XXXX. Predatory Lending XXXX XXXX XXXX XXXX HSBC BANK XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1600.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX HSBC BANK XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I am filing this complaint because I'm going through a really stressful time due to Portfolio Recovery Associates , LLC 's actions. I filed an arbitration case against Portfolio, which is reporting the account involved in this matter. Portfolio has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX ( the original creditor ). Portfolio has been overly aggressive and has harassed me in trying to collect this debt, for which I wanted to take legal action, and the contract only allows for arbitration. 

So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am attaching the proof of the filing.
Product: Vehicle loan or lease

I brought a newXXXX XXXX and I found out that there was a third party involved in this Loan and my car was repossessed from me.
Product: Credit card or prepaid card

Had fraudulent use of my info with XXXX and capital one to open accounts
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent a wire to XXXX for {$4100.00} Is through my mountain America credit Union Check an account account number XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX XXXX  XXXX they gave me a reference number XXXX to a account in XXXX XXXX. If what happened was that the recipient when to when to try to get the money out In XXXX and they told her That they need ed more information About the Sender They ask her who was the name of the bank Where the money is coming from she said Mountain American They told her no that's not where it's coming from To get more information I went to the bank and ask and they told me that they had Used XXXX XXXX So I called her back and told her that she went back to the bank and they said no it's not from XXXX XXXX Is this point I decided to cancel the money Up to the bank And make the cancelation and tell me that your money should be back in your account in 7 business days I wait 2 weeks come back on XX/XX/2021 And I said Hey my money it's not in the account yet so they said you will have to contact the Bank in XXXX And tell them to send the money back And I reach out to the people in the bank in XXXX and they said we already send the money I went back to the bank in a couple more weeks and it's still not there And that they're not responsible for the money in XXXX anymore because the bank and XXXX don't want to give them back the money to XXXX XXXX So I go to XXXX XXXX and they told me that they hired another XXXX  bank so I reached out to back in the bank in XXXX again and they told me that the money was From another bank in XXXX so apparently montenamerica hired XXXX XXXX XXXX XXXX hires XXXX and XXXX hires XXXX and XXXX makes the transfer to caja solodaria. We called the bank inXXXX and they said that they already send the money but they can give us proof or a tracking number because the bank who hires them need to request and I come back to Mountain America And they told me that they can do anything about it because they hires XXXX XXXX and it's out of their hands but like I told the manager at XXXX XXXX We used you because you are a bank To make the transfer you have to Get answers from XXXX XXXX and XXXX XXXX has to get answers from the other bank and so on Is there a keep denying their responsibilities they said that it's a guarantee money and if the money gets lost or the people the banks in XXXX don't want to give it back it's not the responsibility It's not fair for us cause we trust on our bank to look after us They told me that they were going to call me back They told XXXX that they were going to call me back they didn't call me back I had to call them back and they told me the same thing we can do anything it's all up to you now. Mountain American credit Union It's not taking any responsibilities in this case Is a new forward To contact Is XXXX XXXX or any other institutions they just wantna leave it up to me and I'm really frustrated because we need the money back
Product: Payday loan, title loan, personal loan, or advance loan

I recently had taken out an empower loan and paid it back XX/XX/year>. I did notice that the loan repayment did not automatically take place as they normally try to do it. So I made sure to process that loan the night of to ensure that it was on time. 

Even though it kept telling me I was late when trying to make the payment they never charged me with any late fees and it went through as normally. When I later checked my bank account I noticed a random {$8.00} charge from the company. So I reached out. I will provide the email because their responses made little to zero sense to anything I was stating. They came up with many false reasons of why the {$8.00} was charged. Which I provided them with why those statements did not add up to the random {$8.00} charge. 

Supporting Attachments Provided.
Product: Credit reporting or other personal consumer reports

I have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXX XXXX  sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up on my previous complaint. The items that I am disputing are misleading and must be investigated. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX The addresses listed above are not my home address The accounts are inaccurate and fraudulent. Im seeking Litigation. 
The inquiries are unauthorized and fraudulent. 
Please delete them at once.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Debt collection

I have called Phoenix Financial numerous times to get this off my credit. It was paid on XX/XX/2020. They say they will report as paid off but yet its still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX  its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX  remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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 unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations 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

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Contract does not exist between myself and debt collection company. Debt is not mine.
Product: Debt collection

PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND XXXX XXXX  XXXX XXXX, CO XXXX XXXX Has stated i have Federal student loans which i did not, i anything the companies they are even stating are federally loans were private entities and they have reported these loans as federal to the department of education which is fraud against me. The loans they are stating originated in 2009 and clearly would be past the statute of limitations on private loans for ANY LOAN. They also state there was a hearing held which i was involved in which is false. I was not granted a hearing they also state they are garnishing my wages. If the federal goverment has no jurisdiction over private loans then how is this possible they are sending me letters from the department of educations enforcing juridiction?
Product: Debt collection

I was a victim of identity theft in XX/XX/XXXX/XX/XX/XXXX for the sum that XXXX XXXX has been trying to collect {$560.00} for with their attempts. This account was initially with a previous collection agency and I disputed it as fraudulent account and it was sent back and it was then placed with XXXX XXXX. XXXX XXXX  has been trying to collect this sum when that balance does not belong to me. That account was opened and used at an address that I have never resided with a phone number I have never had. I have never lived in Georgia, I have never been to Georgia. This address is still even listed as a previous address on my credit reports that I am actively trying to remove. It is a fraudulent address and account that was made with XXXX. I had provided a XXXX representative with my case number to rectify the case of the fraudulent account but my info was still forwarded with a balance to collections which XXXX XXXX currently has. I am attaching the initial police report for this fraudulent XXXXXXXX account and would like for XXXX XXXX to cease and desist with the letters for payment on an identity theft account and case. 

( XXXX ) XXXX XXXX XXXX XXXX XXXX , GA XXXX