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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX {$XXXX}
Product: Checking or savings account

XX/XX/2020 I found out my account was negative {$100.00} and there were 2 pending Overdraft fees. Looking into my account further, US Bank charged me {$36.00} overdraft paid fee when my account was not in the negative. Due to this fee, I had 4 transactions ( less than {$20.00} each ) that made my balance go negative. I believe more overdraft fees will be posted soon. I know its perfectly legal for banks to rearrange transactions to maximize overdraft fees. If this happens I am responsible for the fees. Banks should also be held accountable if it was the other way around. They charged overdraft when my account was not over withdrawn and because of that overdraft fee being charge, 4 transactions went into the negative causing at least 2 more overdraft fees which are currently pending. I called and spoke to the bank but for some reason the computer wouldnt allow him to reverse the posted overdraft fee. This is not right. My account should never have been over withdrawn based on the order of the posted transaction which US Bank has 100 % control over it. This should be illegal.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and TransUnion CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Mortgage

XX/XX/XXXX started a mortgage with Washington Mutual for a mix use property, this a commercial mortgage with this being our primary residence / owner occupied. the mortgage was sold to another bank before lastly Chase Mortgage holding it for the last approximately 9 plus years. The mortgage had a balloon after 12 years as originally written for {$590000.00} that matured on XX/XX/XXXX. We never missed a payment as well as our taxes and insurance. We always keep up on the maintenance of the house and the property. When it was time to pay the balloon payment Chase Mortgage told us that the " property did not fit their business plan. We bought your mortgage in a portfolio. We won't refinance your home. '' We thought it was implied that since we are in good standings in every area that Chase would refinance the balloon. We kept paying Chase after XX/XX/XXXX until XX/XX/XXXX Chase stopped taking our payments and returned our payments and are hitting us with legal fee of over {$40000.00}. We are in forbearance with foreclosure proceeding being threaten by Chase Mortgage if we don't find a new mortgage.We feel that we have been discriminated against and red lined in the process of trying to obtain a new mortgage for this property. I can not see any other reason why Chase Mortgage will not refinance this loan. Please help we are going to loose our home and our investment. My wife is sick over this. 
Thank you Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent money {$1000.00} ( include fee ) to XXXX at XX/XX/year>, but the recipient can't received the money, I called XXXX for refund on XX/XX/year>, but I never received my refund. please help me about refund.
Product: Debt collection

Had taken out a loan through  Speedy Cash  for payments on the  XXXX  and  XXXX  of every month in amounts of no more than {$39.00}. Informed the representative from  Speedy Cash  on their recorded line that i was recently unemployed and do n't have payment for them as well as there was no amount in the account ( which was forced to put on file before loan was issued ). The company attempted multiple times to force payment  ( s )  on  XXXX / XXXX /  XXXX   after being informed not to take payment. These now unauthorized force of payments caused multiple overdraft fee 's through my bank of $  XXXX  {$5.00} on each attempt. On  XXXX / XXXX /  XXXX    Speedy Cash  forced the multiple unauthorized ( date of  XXXX / XXXX /  XXXX   not authorized and verbally informed them on phone no funds in account to take  )  payments of {$110.00} from my  XXXX   XXXX   XXXX  sons  XXXX  which is now deposited into my account. I had called them and informed them the payments were unauthorized and to remove my form of payment immediately to which they replied we will remove the card on file and did not address the unauthorized payment.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance un
der 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

This company has claimed to have previously acquired my location and admitted to violating my rights by contacting me without previous consent from me. In addition, harassing me through mail pursuant 15 U.S. Code 1692c. 

Per my last complaint, this debt collector has violated several of my federally protected consumer rights including : 15 U.S. Code 1692b ( 5 ) 15 U.S. Code 1692e ( 3 ) 15 U.S. Code 1692 ( b ) -- ( two occurrences ) 15 U.S. Code 1692e ( 7 ) 15 U.S. Code 1692e ( 10 ) 15 U.S. Code 1692g.a ( 3 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1605 ( 1 ) The debt collector has responded to my previously complaint rather quickly and without having provided any supporting documentation to support their disposition. Having disclosed that they willfully furnished information to the credit reporting Agency, XXXX, when it is incorrect is now in violation of my FCRA in addition to the plethora of FDCPA violations. 

To add, this debt collector to whom I have no business, obligation, nor have previously conducted a consumer credit transaction with, should know that pursuant 15 U.S. Code 1692G ( c ) failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

Yesterday I received notice from XXXX, a credit reporting service I use, that my mortgage company, Ditech Financial LLC, had flagged my credit account for several " 30-day late '' and " Not more than two payments past due ( 2 ) '' negative designations. I have never been 30 days late mailing my monthly mortgage payment to Ditech, Green Tree, XXXX, or any of the various mortgage companies that have held my mortgage over the past 20 years. Ditech has flagged my account to give the false impression that I have a history of being late with my mortgage payments. When I tried to investigate these false accusations, none of the XXXX credit reporting agencies would allow me to check my credit report online for free, even though I was informed my credit file contained erroneous info. I tried to call Ditech, but their customer service people were off for the weekend. I tried to send them a message on their website, but was told the message option was n't working, so I had to call. I will call Ditech again Monday evening after I get off work. But here and now, I am respectfully requesting that I be allowed to view each of my XXXX credit files at no charge to see how many times my credit has been false marked with negative information and I am disputing any and all late payments. Thank you. XXXX, XXXX, MO XXXX P.S. One of the alerts I received yesterday indicated my XXXX 2016 mortgage payment was 30 days late. I am uploading my cancelled check which shows I was not 30 days late with my XXXX 2016 payment. Let me know if you need any other documents in order to prove that I do n't have a history of late payments. I 'll be glad to upload or mail you anything you need. Thanks again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is indicating Your credit-based insurance score received on XX/XX/XXXX, was a XXXX, which qualified you for a XXXX XXXX XXXXXXXX Your credit-based insurance score received on XX/XX/XXXX, was a XXXX, which qualifies you for a XXXX XXXX XXXXXXXX The XXXX XXXX XXXX will apply at your next renewal beginning XX/XX/XXXX. 


I am concerned that XXXX XXXX is issuing scores not based on accurate credit scores as my score is unchanged from XX/XX/XXXX. I am concerned XXXX XXXX informs the insured has a lower premium level to raise the premium even though their credit score is high. 


I have contacted trans union about this issue. I spoke with XXXX. Per transunion My score is over 800 which exceptionally high. 

Transunion is not being transparent on how they determine their credit base score for insurance companies to rely on. I am unclear how their formula or system works and it is arbitrary since I have a credit score over 800. 


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

I was a victim of fraud and sent Experian a police report in regards to the items that weren't mind. They initially deleted all of items on the police report but placed a discover account back on my report. I immediately informed them of this and they told me they were unable to block discover on my credit report again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following unauthorized inquiries to be removed from my credit report for the last 3 months and the bureaus have not responded to any of my letters. Listed are the inquiries that was unauthorized and needs to be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 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
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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX of 2021 i was a victim of identity theft, a person stole my belongings and my identification and wells fargo debit card were in the wallet that was stolen by the thief, i then reported this to the XXXX police department who were very nice and were able to make an arrest. I gathered all the documents to prove wells fargo i was not responsible for the charges made with my debit card. I even have a XXXX police XXXX willing to confirm this information, when i opened the claim with wells fargo, they decided not to listen to me, or even pay attention. I asked for a fax number or physical address to send the documents that would prove my case and they never gave me an address, they gave me a fax number that is not working, and after denying my claim, they decided to close my account, they never sent me a letter explaining why they denied the case, why they closed my account they simply kept my money, we are talking about more than ten thousand dollars. 

account number : XXXX fraud claim number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove : XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again.
Product: Credit reporting or other personal consumer reports

I have requested numerous times for Experian to take off information that is not mine that is listed on my credit report. 

I do not go by and have never gone by the name of XXXX XXXX XXXX this needs to be deleted immediately. 

I do not live at XXXX XXXX XXXX XXXX, XXXX MO XXXX this needs to be deleted as a residence. 

And I have asked 4x now for XXXX Inquiry which was not my inquiry to be deleted yet it is still on my report. 

I have tried calling numerous times and yet they do not allow you to talk to a live person. Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


 TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT).

 AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES ( I.E XXXX, TRANSUNION & XXXX  ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED TRANSUNION, XXXX XXXX XXXX  ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; TRANSUNION, XXXX XXXX XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. 

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

 I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 SINCERELY, XXXX XXXX
Product: Credit card or prepaid card

I was approved online by Discover card before I left for vacation I. late XXXX, maybe theXX/XX/XXXX or so. The inquiry on my credit report says XX/XX/20. When I didn't receive my card on time I called to find out if I could get my card information over the phone.They said no and I questioned their policy. Once the customer service supervisor realized that I was a XXXX man trying to get credit card information I was already approved for it immediately raised a flag and they began treating me differently. They told me I had to go through a verification process and the card that was already sent out for use would be suspended pending verification from the IRS. I asked what verification they needed because I could provide my own information and they told me they could not tell me what information about MYSELF they were seeking. I made a complaint with customer service twice. They then told me that all customers were subject to this process but not all customers experienced this process. I was confused at how I had managed to be subject to such a process without ever using credit with Discover and I did not even have the card yet. When the card came I had arrived back home in Georgia. Shortly after I received a notice via email that my approval had been revoked for lack of information from the IRS, I then received a letter from the IRS about a request from Discover that they could not provide without my consent. As of now, I am confuse and believe my initial call to request my information and the fact that the customers guessed that I was a XXXX man and I was discriminated against.
Product: Mortgage

I took out a loan with XXXXXXXX XXXX back in XX/XX/XXXX for $ XXXX to buy my home. It is allegedly now being serviced by Caliber Home Loans and they have failed to give me a complete payment history of payments made to XXXX  and transferred to them in XX/XX/XXXX.  Also I paid into an escrow account for taxes and insurance and they have failed to pay me the 2 % interest at the end of the year. I have now had to join a class action and they keep deny sending me the requested information. They are also trying to unlawfully foreclose on my property when it is in BK and I only owe them $ XXXX. ( See attached RETRAN document ). Please audit this loan asap. Thank you.
Product: Checking or savings account

Please be advised of my intent to enter the Wells Fargo settlement of XX/XX/XXXX. 
My original complaint of XX/XX/XXXX # XXXX is still on file. 
However, I requested my Wells Fargo funds in person on XX/XX/XXXX and did not receive my OWN funds until XX/XX/XXXX. Wells Fargo froze my funds for three months, and there was nothing I could do about it. It seems like they were just trying to aggravate or punish me by freezing my accounts. There was more than one account. 
I lost not only interest on my Wells Fargo account, but also the new account by waiting 3 months. It seemed no one cared! My wife XXXX XXXX XXXX & I had three accounts all with the same situation. 

Thank you, XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe the information being reported to be inaccurate. 
XXXX  XXXX Balance Owed : {$260.00}
Product: Money transfer, virtual currency, or money service

In mid XX/XX/2021, I attempted to send money thru Early Warning, LLCs Zelle inter-bank transfer vehicle to pay for a service. I was told the transaction was blocked. Upon further inquiry with my Bank ( XXXX XXXX XXXX XXXX ) it was revealed that a previous remittance to my niece had been flagged as association with fraudulent activity or organization, and as such anyone connected to the individual had been permanently blocked from using the service. I asked my wife to use our other bank ( XXXX ), to complete the transaction. She was also blocked because she is associated with me. 

All this, without any explanation from Early Warning, LLC or recourse to clear my name. My bank said the offense was so egregious, that they couldnt help me and that I should find other money transfer organizations to work with. This practice is not only inconvenience but humiliating to an honorable consumer. As a former XXXX XXXX XXXX, it is plain embarrassing. It is also irresponsible for EW and Zelle to be a public entity and yet behave in this cloaked operation. I request a direct explanation and also be given the opportunity to clear my good name. 
XXXX XXXX XXXX XXXX XXXX Thank you.