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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has let this problem go on Since XX/XX/. I told them the day of the event, that a fraudulent inquiry made on my account from XXXX XXXX XXXXand I called the bank which confirmed to remove it and they will notify the credit companies let the credit companies knowthen I followed up with the credit companies. Transunion has failed to correct the error, I also received the letter from XXXX stating that the inquiry was fraudulent and should be removed, I still have the XXXX letter as proof, I put in two investigations with Transunion and and the inquiry still has not been removed for over 90 days im well within legal limits to take action against Transunion due to negligence. XXXX has Co-operated, Transunion has not. You cant keep a fraudulent inquiry on my account when the bank agreed it was in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to credit repair service with XXXX for a fee of {$130.00} per month. In return they were to get negative accounts removed from the three credit reporting agencies. After having conversations with two very affable paralegals, none of what they promised, during the conversations, ever transpired. I called yesterday to cancel the service. I was advised that I had an outstanding balance of $ XXXX I told them I would not pay. They said it would be withdrawn from my account. I have a meeting with my bank, XXXX XXXX, to stop payment. 

I feel I have been duped and would like the fees I was charged to be returned. My FICO score went down while they were working on my case. I am in worse shape now than before agreeing to their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$220.00} USDEPTED XXXX {$2000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXX XXXX $ XXXXDEPTEDXXXX XXXX {$3200.00} DEPTEDXXXX  XXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00}
Product: Debt collection

I sent Transunion multiple letters to verify this account and I never received proof or a copy of a application with my signature.
Product: Mortgage

Wells Fargo placed my Mortgage into Forbearance in XX/XX/2020. 
In XX/XX/2020 we inquired about making pmts again and chose the option of increasing our monthly payments over a 6month period to repay the missed amounts. 
In XXXX on my activity log it shows several adjustments of {$0.00} and then my principal balance increased by over {$5000.00} My understanding of this occurring, through research not through Wells Fargo who hasnt responded to emails for calls, is when they continue to make payments to your escrow they can add that amount to your principal. However my payments have been made from my escrow decreasing it to nothing and they still added on the principal balance without my knowledge. 
Now my loan is increased, extended and my escrow is going to be short which will increase my pmts next year to an amount I can not afford. 

Looking into refinance my loan and I am told my costs will include paying my taxes and that amount should be refunded to me at close through my current escrow. However I have nothing in my escrow and my loan at refinance is $ XXXX more. So I am now paying this amount twice without my knowledge. 

Can Wells Fargo do this without my consent or knowledge when I opted to pay a higher monthly payment not an increased principal
Product: Debt collection

They sent out attempt to collect a debt letter after I hold them to cease and desist further communications after the said they don't own the debt. Nor do they have chain of title. Employee kept asking for my personal information. And would not answer questions about this company ownership of the debt. They need to STOP reporting Derogatory information on credit profile as it is not an open active account it is a closed account and settle with XXXX XXXX. I don't owe Bully financial  nothing. There trying to pressure me to pay them with threatening reporting information. I need them to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Southwest credit systems. 

Grossly failed to follow the policy in the procedures governed by the fair debt collection practices act as well as violations committed under the fair credit reporting act. 

Upon me being notified that I was a victim of identity theft, I am mediately took the necessary steps to make sure that I did everything the correct way to remedy this intrusion. A complete fraud packet was sent to all three major credit reporting agencies as well as the individual collection agencies. 

Upon receiving this request and notice of possible identity theft, this collector company was supposed to conduct an investigation into the fraud accusation and claim. A fraud packet was presented to the collection company through XXXX as well as one was submitted to them via certified mail. 

Apart receiving this request, this collection company did not investigate into the fraudulent claim and violated section 809 subsection B validation of debt. 

In that section it states very clearly the following, if the consumer notifies the debt collector in writing within the 30 day period described in subsection a that the debt, or any portion therefore, is disputed, or that the consumer requests The name and address of the original creditor, the debt collector shall cease collection of all debt, or any disputed portion therefore until the debt collector obtains verification or completes his investigation into the fraud claim. 

When I called to check the status of their investigation, the representative stated to me that no investigation into identity theft was not being conducted. They also validated that they didnt even see a request for it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I paid off my credit card balance of {$430.00} in XX/XX/year>. I requested a 1099C from XXXX  XXXX XXXX to write off as income since they wrote my account off as a charge off with the IRS. This means not only did they get the credit from IRS they also received a payment from me. 

My credit report from XXXX XXXX XXXXXXXX is being reported as a written off. This is fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 inconvience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

They restricted my account without any reason and I havent even used my account since XXXX for {$8.00} to buy food
Product: Checking or savings account

Chase Bank is harassing me. They closed my accounts on XX/XX/year> I have contacted them very frequently since then with no help. 

The matter im bringing up today is the " closed accounts ''. Though chase advises they closed my accounts I keep getting a lot of emails pertaining to account. I called and asked chase to stop sending me emails as I dont have an account they advised " I can't update communications because I have to give verbal consent .... While I was on the phone- was xfered to a manager and he advised he updated my communication to no longer get emails. 

Few days later I go another email. Called chase and was advised " I was all set and will not get any more emails after that current day... The next day I got XXXX emails I Called back again because now ive asked more than 3x to no longer be sent emails because I no longer do business with chase therefore I no longer want emails. Was told I the accounts as closed and I should not be getting emails going forward but if I do " ignore them '' On XXXX I received XXXX more emails regarding my " closed account '' called in and was told " because your account is closed I can't change it for you but you can always just block chase " ... so instead of chase just not sending me emails anymore I have to block them? 

today XXXX I received another email from chase I called in and was xfered to a supervisor ( that makes 2 people ive talked to so far about it today ) Supervisor advised a customer service agent can help with this I was xfered to a ( 3rd person ) who said they are going to escalate call to their supervisor. ( this is now the 4th person ive talked to ) the next supervisor said I can't help you fraud has to help me and xfered me to the ( 5th person ) who said I can't help you let me transfer you back to service who was the ( 6th person ) I spoke to who said Im not the right person I dont have access to that feature let me xfere you to someone else who does I spoke to 8 people in total and all of them said they could not help me but the next person could when they could not. I have told over 10 people please stop sending me emails for weeks but they keep coming in. I am being harassed.

Ive received 19 emails and not one closing document after telling chase to stop email communication with me. This is harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect items were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am coming a complaint against cash app ( block inc ) due to inadequate customer services and unfair practices. Which violate the consumer financial protection act. Cash App failed to take timely and effective measures to address fraud on their platform, leaving my account vulnerable and not protected. Their dispute resolution pieces was unfair and deceptive because they didnt comply with error resolution requirements, under the electronic fund transfer act these actions have caused significant inconvenience and income loss. I want all monies that were reported to be refunded.
Product: Mortgage

In XXXX of XXXX I was referred to a Loan specialist, mainly because of a home buying program XXXX XXXX XXXX that her company offered at the time. I had a telephone conversation with her and documents were submitted, credit check done, all the preliminary things to start the home buying process. I was informed by the loan specialist that I was not eligible at the present time for the loan program due to a foreclosure in XXXX of XXXX, but would become eligible in XXXX of XXXX, 2 years post the foreclosure. she referred me to a realtor and suggested I start looking for a house so I would be ready in XXXX to purchase. We started looking for a house slowly as I wasn't in any rush. I found a house in mid XXXX that was still in the building process. we contacted the builder and was told they have a preferred lender. I opted to go with the preferred lender because they had better buyers incentives to offer. I was given the preferred lenders information and I contacted them in XXXX to discuss purchasing that house. the first person of contacted was the Loan originator he took all the preliminary information to start the process of securing a loan.All communication was via telephone and emails except for one occasion when I met a member from the processing team in person where I submitted. pay stubs, bank statement, ID, W2 thing of that nature was given to him. The original loan application was done over the phone and sent o me viaXXXX to sign the yellow highlighted areas and return to them, The foreclose in XXXX was mentioned and I was informed and at the time was never a issue, the process went through smoothly and I closed on the house XXXX XXXX. In XXXX of XXXX in received a letter from the main office DEMANDING THAT I EITHER PAY BACK THE LOAN OR REFINANCE OR FACE FORECLOSURE IN 30 DAYS. reason for such decision is that my foreclosure back in XXXX was not mention while trying to secure the loan. That information was in fact discussed with the loan originator my relator was aware the previous loan specialist was aware. and it public record.I have tries to get the loan refinance through my credit union, banks but have not been able to do so. paying off the loan is not a option so I am left in impossible situation. 
I contact a attorney and I was referred to CFPB for assistance.
Product: Checking or savings account

The bank allowed me to open and start an account but denied access later and now i cant get my original deposit
Product: Mortgage

To whom it may concern : I have tried to work with my mortgage company and after failing to respond they denied my request for help because they placed a foreclosure sale date. I offered them a down payment for over half of what I was due after I file bk to stop the foreclosure sale date. Now they are refusing to give any updates. I don't have an attorney and I am trying to do everything I can to work with them. My counselor XXXX XXXX has also reached out to the current single point of contact XXXX XXXX. She has denied to communicate. We have advised them several times that there is no foreclosure attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, Transunion and XXXX  on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting re-investigations into the accuracy of the account, XXXX  XXXX XXXX Mortgage. The credit bureaus did not verify the accuracy of the account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. When you look at the reports that I have included in this complaint, you will see that XXXX  is reporting that I have I was 90 days late in XX/XX/XXXX but XXXX  is reporting that I was 120 days late in XX/XX/XXXX ; XXXX  is reporting that I was " OK '' in XX/XX/XXXX, but Equifax reports that I was 120 days past due in XXXX XXXX. Transunion is reporting that I was 30 days late in XXXX all through XX/XX/XXXX. If I have requested multiple investigations in the accuracy of this account, how come these bureaus are reporting three different payment histories, along with different high balance amounts? I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Product: Debt collection

Debt collector contacts me numerous times a day on different phone numbers, contacts my employer, and contacts distant relatives. I've asked this company to stop calling my work phone to no prevail. They are extremely aggressive and they leave aggressive messages on families voice-mail as well. It's harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Complaint Regarding Unauthorized Inquiries on TransUnion Credit Report Dear Consumer Financial Protection Bureau, I recently discovered unauthorized hard inquiries on my TransUnion credit report. The following companies made these inquiries on the specified dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the companies involved, but they confirmed no record of my consent for these inquiries. 

I am submitting this complaint to request the prompt removal of these unauthorized inquiries from my credit history, as they violate my privacy rights and the Fair Credit Reporting Act Section 1681b ( c ). 

I trust that the appropriate actions will be taken to investigate the matter and resolve it promptly. 

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

I have submitted XXXX complaints regarding the fraudulent reporting of a closed XXXX XXXX account, of which, was settled back in XX/XX/2018. My Equifax credit report has continuously been flagged with a " charge off '' indicator ever since, which has negatively impacted my credit score. Fortunately, XXXX and XXXX have the correct data.
Product: Vehicle loan or lease

We financed a vehicle through Ally Bank for our son. Our son totalled this car in XXXX and had stop paying insurance on the car. After we filed a Gap claim, as well as paid off the remaining loan of {$17000.00}. We were supposedly getting a measly claim settlement from the gap insurance company, but even though I told them I had paid off the car in full, they mailed the payment to Ally, XXXX XXXX XXXX sent the check to them without letting me know they were doing so, or I would have sent them a copy of the title so they could mail to me directly. I knew it would take forever to get this money, but had no idea how bad it was going to get. 

When I called Ally bank they said I will get a check for the Gap balance in 60 days. I explained repeatedly this was not regarding the balance for the Gap insurance, this was a claim and they already were in posession of my money and had to send to me. I was told the same message by email and by phone over and over. Finally, one day two checks arrived. 

When I tried to deposit it them my credit union ( XXXX ) rejected both checks saying one was not from a real bank and the other was a duplicate check. I went to my other bank, XXXX XXXX, and after a few days they said Ally returned the check for the Gap Balance because it was a duplicate. When I called they said I would get a new check sent, but none was ever sent. Now they say it was a duplicate and they only owed me one check. They recieved 2 checks for the loan but only sent me one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 or other personal consumer reports

Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file-is incorrect : ( XXXX  XXXXXXXX XXXX XXXX  ) Account # ( XXXX ) The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. I look forward to resolving this matter quickly Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( EXETER FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.