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

Attention : To Whom It May Concern Attention : CFPB ( Consumer Financial Protection Bureau ) I asked to speak with a supervisor, but no supervisor answered the phone. Additionally, they stated that they would give me a call within XXXX days, and then they never did. I have called XXXX times and this has been the process the entire time. Each time I called, except the XXXX time I called, I spent a minimum of XXXX hours on the phone and a XXXX of XXXX hours on the phone. On the XXXX time, I told the lady that I would not be wasting hours on the phone any longer and that they had XXXX minutes on the XXXX call that was made. 

On the XXXX time, I told the agent on the phone that I was tired of my time being wasted, and that if it was not possible to get a supervisor I would be writing the financial consumer reporting agency because these supervisors needed to be held accountable, and that I would now require a name of the supervisor that I was being transferred to with a work ID. 

I need your agency to help be get results because this company is dragging down my credit score because of their insufficient ways of handling data. I went through bankruptcy and since then my credit score has been going up because I have XXXX credit card that is being paid on time and early. The bankruptcy court told me that I need not pay my student load during this time and that MOHELA should not be hitting my credit score with late or non-payments. Well, the bankruptcy court granted me Chapter XXXX and so now I am trying to contact them on the next steps because a low-grade customer representative is not able to assist me with it and only a supervisor can assist me with it, but now the supervisors are not answering their phones. I called on the lowest rated day possible when they would not be so busy, and still, it took an hour and XXXX minutes, and still no answer. The XXXX who was supposed to help me goes by the name of XXXX with the ID : XXXX. Other supervisors did not answer the phone but I don't have their information. This is ridiculous that you have to hold a supervisor 's hand like a child. The only thing they seem to be able to do is convert XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Can someone from your department help me with these misfits? 

Thank you for help in advance! 

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

According to the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The Fair Credit Reporting Act shows several laws being broken here 15 U.S.C 1681 section 602 A : states that 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my 9th 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 the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX MOR Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information you listed on my report : XXXX XXXX XXXX - I have never paid late this account, insurance paid late, please remove late status
Product: Checking or savings account

Discover bank ( online savings account ) charged me a {$30.00} insufficient fee while I have enough balance on my account. Their weird accounting system held my deposit for excessive amount of days. Instead of paying out a payment using my balance, they claimed I have insufficient fund, not honor the payment, and charged me a {$30.00} fee. I've contacted them at least 3 times though their online messaging system but every time their response is like a robot, quoting me a lot of fancy words without working on my issue. I even warned them the last time I'm going to report to XXXX  but they still refuse to cooperate. 

I first tried to file a compliant to XXXX but they said banking is out of their coverage so I figured you guys are the correct place to file compliant.
Product: Mortgage

The banks website autopay misleads you into thinking that you can delay your payment a few days and it will still be paid. Instead they cancel that months payment and change the next payments date. This makes you late and they charge fees and it impacts your credit. I believe this is intentional.
Product: Money transfer, virtual currency, or money service

Ive tried contacting cashapp to dispute but keeps getting denied. I want all of my money back.
Product: Debt collection

This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all  XXXX  credit bureaus.
Product: Debt collection

I have been going back and forth with this agency for weeks, I first scheduled a payment online to be paid half of what i owe which was {$110.00} paid on XX/XX/XXXX. I then received a call stating that i still owed the full amount of {$220.00} and i explained that i have receipt and payment shown on acct and that they needed to locate the payment and apply it to the account. they then advised me that they would like into it but continue to push for more payment when they couldn't even locate my initial payment. I explained to them once they can apply it to my account to call and we can figure out the rest of payment for the amount still owed. They never called but then proceeded to charge my account without my approval for {$56.00} on XX/XX/XXXX. I called the company which is Midwest Service Bureau to complain about this and yet they still had not located my previous {$110.00} payment. a week goes by and they finally credited my account for that payment plus the {$56.00} that i did not approve to be pulled out of my account. I call then to get the new balance which the lady i spoke with said my account was paid in full, which was incorrect as i should still owe {$56.00} and they said well let us investigate this and get back in touch. they never called me back so again i called a week later and they still were not sure why it showed {$0.00} balance when i owed {$56.00} so at that time i spoke with a manager and paid the remaining balance of {$56.00} on XX/XX/XXXX and got receipt notification of it. but then AGAIN i get a text this morning that i still owe a balance of {$56.00} and to pay the remaining balance online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to TransUnion and XXXX requesting that the unknown inquiry be remove or verify thats on my credit report both credit bureau are stating that they didnt receive my certified letters my United States postal service nor did they make any attempt to verify or validate the inquiries on my credit that being reported on their behalf. I also sent the same letters to XXXX, they recently been removed from my credit report as of today due to the lack of information provided by the creditors that requested the inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the XXXX  XXXX XXXX  as on time in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they are reporting a 30 day late, then XX/XX/XXXX, a 60 day late and XX/XX/XXXX another 60 day late. You can't go from 60 day late to 60 day late. I contacted Experian regarding the inaccurate information in XXXX of XXXX and then in XXXX of XXXX and asked them to explain how I can have 60 day late back to back and still no response. I have asked Experian as they are required to report only accurate information on my credit report to remove XXXX  XXXX XXXX. Experian stated they contacted XXXX  XXXX XXXX  however, I have not received any documentation from Experian that they used to verify this information is correct. It can not be correct.
Product: Mortgage

The account was placed on a 3 month Forbearance beginning XX/XX/XXXX ending XX/XX/XXXX. Payment could be made during thr Forbearance and the amount owed would have been reduced. 
A ayment made made a day prior to the Forbearance ending on XX/XX/XXXX. SLS has admitted to have rejected the payment which should have been applied towards the contractual due of XX/XX/XXXX. 
Payments have been made to cover all the end to a next due of XX/XX/XXXX. 
All payments have been rejected and returned to the checking account. 
SLS has no intention of accepting payments nor to honor the Forbearance terms.

SLS is acting in predatory lending.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan with no proper notice XX/XX/XXXX. The only way I was made aware was when trying to obtain mortgage documents for current re-finance in XX/XX/XXXX. The requets for documents was made twice in XX/XX/XXXX via phone and neither request was satisfied. No accessable phone number for me to call XXXX. Emails to previously answered email addresses with XXXX are not replied to. Online access to XXXX is disabled. 
Further when I called XXXX in XXXX the calls are directly routed to Mr. Cooper loan servicer. 
Mr. Cooper has no information on my loan when I was transferred directly and automatically to them from XXXX publicly listed phone number. 

XX/XX/XXXX via U.S.P.S. first-class mail presorted XXXX postage XXXX XXXX XXXX no. XXXX documents were received at XXXX XXXX XXXX, XXXX in regard to loan transfer to Right Path Servicing ( RPS ). The notice stated the mortgage was transferred XX/XX/XXXX and payment is due to RPS XX/XX/XXXX. Also stated that private mortgage insurance is necessary on this loan? PMI was no previously needed? XXXX has not reported to credit bureau on mortgage note since inception.
Product: Mortgage

On, XX/XX/2020 at approximately XXXX XXXX, I contacted Mr. Cooper, my current mortgage holder/servicer, by phone, to discuss a possible refinancing or home equity line to finance home repairs. I was asked about my employment and answered that my wife is self employed and I have an employer. The representative told me that currently, they are not underwriting self employed persons and so therefore only my income and credit information would be considered. 

I was asked for permission to pull my credit report, which I gave. I was not asked if it was okay to pull my wife 's credit report and the representative had just explained that she could not be considered with regard to this loan. Because we use credit monitoring services, we were immediately alerted to the fact that a hard credit inquiry had been made on my wife 's credit report. 

A hard inquiry is a 25 point hit to the credit score, and my wife has been working to rebuild her score and is judicious about things that would detract from it. 

We were told she could not and would not be considered in the loan review, so her credit information should not have been pulled. Furthermore, before initiating the credit inquiry, if they had asked me to provide my score, I could have provided it and they would have known it was below their threshold. So, for us, merely asking for information about the financing possibilities resulted in a credit denial and derogatory marks on our credit record for simply seeking information to make decisions with. 

This is a problem not only with the company 's practice in this instance, but also with the credit system. Seeking information to make good decisions with should not result in derogatory marks on credit. It's completely counterproductive to consumers getting information to penalize consumers for seeking the best credit terms available to them.
Product: Checking or savings account

On XX/XX/2020 SoFi Invest inaccurately displayed the number of shares held in security XXXX. The inaccurate display of holdings triggered investor action. SoFi has been unable to provide accurate account of the security to date. On XX/XX/2020 SoFi invest began withholding funds available from withdraw without explanation. There has been a running discrepancy between funds available to purchase securities and funds available for withdraw. I have contacted SoFi several times to resolve the discrepancy without success. What is the purpose of a financial institution? Is it not a institution a consumer depends on to maintain an accurate record of assets? SoFi is an embarrassment to the financial industry and is holding my funds without explanation, reasoning or applicable account terms to justify doing-so.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Equifax for failing to properly address my dispute regarding unauthorized credit inquiries and XXXX XXXX on my credit report. Despite providing substantial evidence, including a notarized FTC Identity Theft Report, Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 



Summary of Issue : 1. I submitted a dispute to Equifax regarding several unauthorized inquiries, including detailed documentation proving that I am a victim of identity theft.

2. I specifically requested that Equifax verify these inquiries with the original furnishers and remove any unverifiable inquiries as required by law.

3. Instead of providing verification or removing the fraudulent inquiries, Equifax responded with generic statements, failing to provide any proof that the inquiries were authorized.

Violations of the FCRA : Failure to Provide a Method of Verification ( MOV ) : Under the FCRA, Equifax is required to provide details of how it verified the disputed inquiries, including the name, address, and contact information of the furnishers. Equifax has not fulfilled this obligation.

Failure to Remove Unverified Information : If Equifax or the furnishers can not verify the accuracy of the disputed inquiries, they must remove them within 30 days. Equifax has not done so, despite the lack of proof that these inquiries were authorized.

Supporting Documentation : A notarized FTC Identity Theft Report under penalty and perjury, submitted with my original dispute.

Copies of my correspondence with Equifax.

Requested Resolution : 1. Immediate removal of the fraudulent inquiries from my credit report.

2. A detailed explanation of the method Equifax used to verify the disputed inquiries.

3. Compliance with FCRA obligations to protect my credit report from inaccurate information.

I am seeking your assistance in holding Equifax accountable and ensuring that my rights under the FCRA are upheld. 



Thank you for your time and attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Transunion and XXXX XXXX I am writing to dispute the accuracy of the information that you have reported to my credit report, which I believe is in violation of the Fair Credit Reporting Act and my consumer rights. 

Firstly, I have noticed that XXXX XXXX has reported a debt on my credit report that is inaccurate. According to the Fair Credit Reporting Act, you have a duty to ensure that the information you report is accurate and up-to-date. However, the information you have reported is inaccurate, and I am requesting that you remove this information from my credit report immediately. 

Furthermore, I believe that Transunion has failed to properly investigate my dispute and take appropriate action to correct the inaccurate information reported by XXXX XXXX. The Fair Credit Reporting Act requires credit reporting agencies to conduct a reasonable investigation of disputes and correct any inaccurate information. However, I have not seen any evidence that Transunion has taken these necessary steps. 

In addition, I am concerned that XXXX XXXX and Transunion have violated my consumer rights by failing to provide me with the required notices and disclosures regarding the collection of this debt. Under the Fair Debt Collection Practices Act, consumers have the right to receive certain information regarding the collection of a debt, and failure to provide this information is a violation of my rights. 

Therefore, I request that you take immediate action to investigate and correct the inaccurate information reported by XXXX XXXX, as well as provide me with the required notices and disclosures regarding the collection of this debt. If you fail to take action, I will be forced to pursue legal remedies to protect my rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to Formally follow a complaint Regard a multiple over draft fees Apply to my account These fees were assessed Despite having Sufficient funds available At the time transactions were Authorized Due to delay posting of charges and credits I was unfairly charged with overdraft fees. This insured pair consistently. With recent findings by the CFPB Which identified similar practices by Navy Federal credit union I believe these practices are unfair.
Product: Credit reporting or other personal consumer reports

XX/XX/year> letters were sent to all three credit bureaus to have old closed accounts remove from my credit report. It is affecting my children and I lively hood, 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
Product: Credit reporting

DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON XXXX AND TRANSUNION. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX XXXX, XXXX XXXX and XXXX XXXX. I did not apply for these credit cards, and called XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Debt collection

I have given multiple times to cure. I asked Wells fargo to send me the original wet signature contract between Me and Wells fargo stating I will pay the alleged debt. I have given XXXX and Wells fargo 4 months to present said contract and all I've receive was that they need more time. I demand Wells fargo be deleted permanently. XXXX delete Wells fargo from my credit report and Wells fargo 10 mins later reinsert the negative item again. 
My right to privacy pursuant 15 USC 1681b 2 company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Also if a debt is written off, then that said debt is paid pursuant to 18 USC 8. I owe no debt. 

Wells fargo # XXXX
Product: Money transfer, virtual currency, or money service

Genesis online trading platform they will scam my money they will close withdraw money from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts that were reporting in error. 

XXXX XXXX  XXXX Balance : {$2500.00}, XXXX XXXX  XXXX XXXX Balance : {$8600.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXXXXXX XXXX Balance XXXX {$650.00}, XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I filed bankrupsy in XXXX of 2014 and it was discharged in XXXX 2014. I got a garnishment that I was not made aware of.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to Inadequate, customer, service, and unfair practices, which violate the customer, financial protection act specifically cash app, failed to check timely, and effective measures to prevent and address fraud on your platform, leaving my account liable and unprotected. Furthermore, their dispute resolution process was unfair as they did not comply with our resolution requirements under the electronic fraud transfer act. My account keeps getting closed because they wont accept my verification wont let me re-open my account. And I see appropriately dressed for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently sent a request for my all 3 of my credit reports by free annual credit report and TransUnion responded and requested for information. In response to TransUnions request I sent my ID and Social Security card. Today I received another reply from TransUnion and I did not not need to go through this same process with the other credit bureaus which were cooperative. I have lived at my current address for more than 2 years and had sent TransUnion my ID and Social security card as requested.
Product: Checking or savings account

In the first week of XX/XX/2021, I received an unsolicited MoneyLion Mastercard debit card ( XXXX, powered by XXXX ) that included a direct deposit form, account number, my name, a routing number, and an account number. I did not apply for this card. I have never heard of this institution.