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

I just started sending money regularly to my nephew in XXXX. I have sent small amounts but each time I have to log in to my PNC bank account and I can't get the connection between PNC and XXXX established permanently. The 3 previously amounts sent finally were accepted, but now PNC is not letting me do the transfer. I would not want to have to change banks after so many years with PNC but I need to get the problem fixed. I have no other problems with online banking payments. It would be a lot of trouble for me to change banks, but I don't know what choice I have. XXXX says they don't have problems with other banks. 
What can I do??? Help.
Product: Debt collection

I paid a bill for XXXX XXXX but it was sent to PlusFour inc, as a Collection, I work for XXXX  XXXX XXXX XXXX, we had a XXXX XXXX last XX/XX/2018. Congress passed a law station our credit is protected during a XXXX, they have not deleted it from my XXXX  credit file.
Product: Debt collection

Subject : Complaint Against Southwest Credit for FCRA XXXX and Failure to Validate Debt To Whom It May Concern, I am submitting this complaint regarding Southwest Credits handling of my debt dispute for Account # XXXX. Despite my repeated requests, Southwest Credit has failed to provide proper validation of the debt and has only provided billing statements, not a signed contract or agreement. 

Details of the Complaint Failure to Validate Debt Properly : I requested validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). 
Instead of providing a signed agreement or contract, Southwest Credit sent billing statements, which do not substantiate the legitimacy of the debt. 
Inaccurate Reporting Under FCRA : Despite the lack of validation, Southwest Credit has continued to report this debt to credit bureaus. 
This violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), which mandates accurate and verifiable reporting of consumer debts.

Emotional and Financial Harm : Southwest Credits actions have caused significant harm, including : Negative impacts on my credit score.

Denials of credit.

Emotional distress from dealing with these unresolved inaccuracies.

Relief Sought To resolve this matter, I am requesting the following : Debt Validation : Provide a signed contract or agreement that substantiates this debt. 
If no such contract exists, confirm in writing that the debt is unenforceable. 
Removal of Negative Reporting : Permanently remove all references to this account from my credit reports if proper validation can not be provided. 
Compensation for Damages : Reimbursement for any financial harm caused by this issue, including higher interest rates or costs associated with credit denials. 
Compensation for emotional distress caused by Southwest Credits FCRA violations.

Written Assurance of Compliance : Confirm Southwest Credits adherence to FCRA and FDCPA requirements moving forward. 
Government Oversight and Penalties : Request CFPB oversight of Southwest Credits practices to ensure compliance with consumer protection laws. 
Supporting Documents Attached : Correspondence with Southwest Credit regarding the dispute. 
Billing statements sent by Southwest Credit as part of their response. 
Credit reports reflecting Southwest Credits reporting.

I expect a thorough investigation into this matter and resolution within the required timeframes. Please contact me if further clarification or additional documentation is needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Student loan

Per requirements for PSLF program, I used the federal self help tool prior to XX/XX/2022. I have worked over combined 41 months for XXXX agencies, most of those months included payments to two separate loan providers, one payment each, until consolidating with MOHELA in fall 2022. MOHELA has finally processed my PSLF application and has listed only 1 of 119 qualifying payments. This is impossible. I have a credit score of XXXX. I would love some advocacy if possible.
Product: Checking or savings account

Between XX/XX/22 & XX/XX/22 there have been 6 @ {$36.00} NSF fee charges against my checking account. Bank has paid payees. 
I have never requested credit or overdraft protection from the bank. In fact they did this same thing last XXXX where they paid numerous debits to the account without my request for credit or overdraft protection. Every extension of credit earns the bank {$36.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For Transunion I'm trying to figure out their method for investigation my recent and current disputes. According to the FRCA this particular verifiable documentation needs to be send to the consumer, but that contrary because the credit bureau ( s ) never presented this documentation on file. Because they process their records electronically, which is again contrary to what the law says what must be done. This law is based on 609 of the FCRA. 

For example a past dispute I disputed the 11 XXXX  accounts in question. From those accounts on Transunion, their was no verifiable documentation given to me as the results were concluded. 

If XXXX  deleted these accounts over a year ago. What information do you have that XXXX  didnt to support the allegation that these accounts are in fact mine, verified, and validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I had my card stolen, and some charges were made. When I contacted XXXX  XXXX XXXX to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX  proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XX/XX/XXXX I contacted XXXX XXXX XXXX for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.
Product: Debt collection

I received a call from a lady I asked where shw was calling from she said D2 management. I am calling about a return check from XXXX XXXX. I advised her that debt was more than 10 yrs old I know that they are one of those comapnies that go thru old debt that has expired and try to collect. I advised her to remove my number and not to call again. She stated you know you owe it we are not going to stop calling. I advised her my husband just passed away this morning do not call here again. She states it does not matter we are going to keep calling I advised her I was going to report her and the company. She called from XXXX between XXXX XXXX/XXXX/2015. I called the number back .My husband just passed away this morning we called XXXX they rushed him to the hospital than pronounced him dead.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block and delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of disputed items : XXXX XXXX XXXX AV XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card had got stolen, when they was disputing the issue it took over 120 days. They told me no payment was due because, they didnt have a new account number for me. In the mix of everything, they told me no payment wasd due. Then they reported me late. When I tried to get it fix. they told me to write a letter of dispute or dispute it with the credit agency then they would remove it. I have written letter after letter and still to date its reporting as a past due payment on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of 15 USC 6802. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

XXXX XXXX is in violation of ( B, C ). I was not given opportunity to have my information NOT be disclosed! And was not not given the chance to excerise the nondisclosure option. Also this said account is a charge off which is consider a certificate of indebtness ( income ) WHICH CAN NOT BE ON MY CONSUMER REPORT Please make them aware that i am prepared to take legal action if this violation isnt fixed IMMEDIATELY UPN RECEIPT OF THIS COMPLAINT
Product: Debt collection

i do not know whos debt it is, i have sent resurgence the police report and identity theft afidavit via fax and certified mail to the address given by the agent. and the address on my credit report. i have spoken with the commpany on many occasions about this and they have continued to run me around agents names are XXXX and XXXX, which im sure are fictional names
Product: Debt collection

I have sent numerous amounts of letters to the creditors they say I owe them. However, they have failed to respond to any of my letters. I have sent letters to the XXXX, XXXX and XXXX in the hopes that they would remove the items from my credit report. They have said that the accounts have come back verified however they have failed to provide me with documentation of proof that these accounts are mine. I have sent letters very month since XX/XX/XXXX trying to resolve the matter. the accounts in question are I C Sysyems, XXXX XXXX and XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to the company regarding the high interest rates and advised them i was unaware of the loan and if indeed it was mine i needed help with the payments ( because they insisted it was my debt ) they then sold it and charged it off. Please remove it from my report.
Product: Student loan

My name is XXXX XXXX, and I was an individual that was involved in the student loan scam perpetuated by XXXX XXXX XXXX. I request a copy of all loan documents I procured with the U. S. Department of Education to be emailed to me as soon as possible, and in addition, the necessary forms to complete to apply to my fraud claim against XXXX XXXX XXXX. I was not part of the XXXX case filed by the Consumer Financial Protection Bureau in 2014. However, XXXX used fraudulent means in their actions to get me sign on excessive charges where services were minimal. 

According, I need the following : 1 ) Copies of all loan documents between myself and XXXX XXXX XXXX that were assigned to the U. S. Department of Education. 

XXXX XXXX Any application needed to file my claim for educational loan relief. 

Thank you for your help and cooperation in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a collection account reported by XXXX XXXX XXXX on my credit report with XXXX. This account has been repeatedly reported with late payments, which appears to be an attempt to artificially extend the reporting period and prevent the account from aging off my credit report as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The FCRA requires that credit reporting agencies ( CRAs ) such as Experian conduct a reasonable investigation of all consumer disputes. 15 U.S.C. 1681i ( a ). However, despite filing multiple disputes with XXXX regarding this account, they have consistently failed to conduct a thorough and impartial investigation. Instead, XXXX has repeatedly verified the account as accurate without providing any supporting documentation or evidence of a legitimate investigation.

This conduct appears to be in violation of the FCRA, particularly 15 U.S.C. 1681i ( b ), which requires CRAs to reinvestigate disputed information even if the information was previously verified. Furthermore, XXXX 's failure to properly investigate my dispute and provide me with the results of their investigation may also violate 15 U.S.C. 1681i ( c ), which requires CRAs to provide consumers with the results of any dispute investigation. 

I am concerned that XXXX 's actions may be part of a pattern of misconduct, as evidenced by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. This lawsuit alleges that XXXX accepts unreliable information, fails to properly investigate disputes, and fails to provide consumers with timely and accurate dispute results. 

I request that XXXX immediately conduct a thorough and impartial investigation of this disputed account. I also request that XXXX provide me with all supporting documentation related to this account, including any communication between XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Credit reporting or other personal consumer reports

My disputes are with XXXX predatory collection companies. 

XXXX XXXX XXXX XXXX XXXX, TN XXXX LVNV Funding LLC XXXX XXXX Pl XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX Collections XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX is reporting XXXX accounts ( {$2900.00}, {$2500.00}, {$1200.00}, {$3000.00}, {$1000.00} and {$4500.00} ) LVNV Funding LLC is reporting XXXX accounts ( {$2000.00}, {$2200.00} and {$970.00} ) XXXX XXXX XXXX is reporting XXXX account for {$1500.00} Lastly, XXXXXXXX XXXX is reporting XXXX account for {$970.00}. 

Each one of these Collections companies has violated FCRA 609 ( a ) by failing to provide me with FULL and COMPLETE files on all listed collection amounts. Furthermore, after being denied this information, and per my request to cease and desist they violated FCRA 605 ( b ).

Each and every one of these companies have also violated 15 USC 1681 by violation of my Rights to privacy as well as reporting misinformation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate Credit Reporting by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding the inaccurate reporting of my credit information. Upon reviewing my credit report, I discovered that certain accounts have been deleted, despite being in good standing. 

Specifically, I have noticed that my XXXX XXXX card account was closed, but it has been removed from my credit report entirely. This deletion is concerning, as it does not reflect my history of on-time payments and responsible credit use associated with this account. 

I believe this discrepancy could negatively impact my creditworthiness and overall financial standing. I have taken diligent steps to ensure my credit accounts are managed effectively and wish to have accurate representations of all my accounts on my credit report. 

I kindly request that TransUnion rectify this issue by re-evaluating my credit report to ensure that all relevant accounts reflecting my credit history are included and accurately reported. 

Thank you for your attention to this matter. I am looking forward to your prompt response. 

Sincerely, CFPB under the Fair Credit Reporting Act ( FCRA ), it is considered a violation to not report all accurate data on credit reports, meaning that if a creditor has accurate information about a consumer 's credit history, they are legally obligated to report it to the credit reporting agencies ( CRAs ) and not intentionally omit any relevant details ; failing to do so could be considered a violation of the law
Product: Debt collection

I receive SSI. On XXXX XXXX, I received it as usual. I paid bills that XXXX. I went to XXXX to purchase a few items in the evening and found that {$900.00} had been withdrawn from my Direct Express account in an " IVR transfer ''. No name of who took the money. I was shocked and panicky. I contacted Direct Express and they are investigating via their fraud department and issued me a new card. Also I have contacted an attorney. Mysteriously, the funds reappeared in my account the following week, XXXX XXXX to be exact under the heading " credit adjustment ''. The woman I spoke to in the fraud department stated that my funds would not be returned until after the investigation so where did the money come from? Any way you can assist me with this will be helpful as this money is crucial to my survival and I ca n't afford this to happen again. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I have a checking account with First Tennessee Bank, and a debit card was provided with the account. Sometime between XX/XX/XXXX and XX/XX/XXXX I lost the debit card, and ten unauthorized transactions were made on the account. The last transaction I conducted on the account was on XX/XX/XXXX. I discovered the debit card missing on XX/XX/XXXX, and called First Tennessee immediately to have the account closed, and to file a claim/case for the unauthorized transactions. I was told a provisional credit for {$890.00} would be applied to my account within five business days. Instead, I received a letter dated XX/XX/XXXX, which stated the information I provided was inconsistent with the transactions I reported as unauthorized. Accordingly, I called First Tennessee 's Fraud Dept. on  XX/XX/XXXX to ascertain in more detail why the case had been denied. An email was sent by the person I spoke with to a senior manager to request the case be reopened, and for me to receive a call. On XX/XX/XXXX, I spoke to a senior manager who requested a police report be filed. The police report was filed with my county sheriff 's office, and the report was submitted to First Tennessee Bank. The deputy made an incident/investigation report, and not a criminal report, because all the transactions occurred in other counties. My sheriff 's office didn't have jurisdiction over the crimes ( fraud transactions ) committed. Nevertheless, I followed up with First Tennessee later in XX/XX/XXXX( don't know the exact date ) to find out what was happening with the case, and was told the case wasn't reopened because when I called the Fraud Dept. on XX/XX/XXXX I stated the debit card was still in my possession, but in fact I said the card wasn't in my possession. In addition to this problem, I was told that I had called the Fraud Dept. to have my account reopened after a transaction was declined at a XXXX XXXX. I didn't call the bank until I discovered my debit card missing on XX/XX/XXXX. Further, the same Fraud Dept. employee told me that my PIN was used for some of the unauthorized transactions, which I refuted because I'm the only person that knows the PIN. Upon speaking with a senior manager a few moments later, I was told that all the unauthorized transactions were indeed credit POS transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I was looking over my credit reports and I see All three credit bureaus marked me as late on both XXXX XXXXXXXX accounts on XXXX XXXX. According to law 15 USC 1681 ( A ), you are not supposed to do this.