23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XX/XX/year> Transunion LLC, XXXX XXXX and XXXX RE : Notice of Claim and UCC-1 Financing Statement Dear Transunion LLC XXXX XXXX XXXX and XXXX I XXXX XXXX XXXX and XXXX XXXX XXXX am writing to inform you that I have recently completed the process of becoming a Secured Party Creditor, as established by my filing of a UCC-1 Financing Statement with the XXXX Secretary of State, filing number XXXX ( XXXX ). 
As the Secured Party, I hereby claim a security interest in all property and collateral associated with the DEBTOR ( s ), XXXX XXXX ( hereafter " Debtor '' ), including but not limited to all present and future property, accounts, and proceeds thereof. 
Enclosed, you will find a copy of the filed UCC-1 Financing Statement for your records. This notice serves to inform you of my secured status and to assert my interest in all claims, debts, and obligations owed by the Debtor. 
I hereby demand that all claims, notices, and communications regarding the Debtor be directed to me as the Secured Party at the above address. Furthermore, any attempts to collect on alleged debts or obligations without recognizing this secured interest will be considered a violation of my rights as the Secured Party. 
Please acknowledge receipt of this notice within 30 days. Failure to respond will be taken as acceptance and agreement to the terms set forth herein. 
Sincerely, XXXX XXXX XXXX XXXX, Secured Party ( XXXX ) All Rights Reserved, Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be REMOVED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Contacted via txt message from XXXX, threatened with a warrant/civil procedure for a debt from a credit card. Called the number they provided, stated as their attorney, ( XXXX ) and was asked to make a XXXX payment of {$250.00} that day or face them submitting a warrant. Was asked to email a copy of my drivers lisence/state id to XXXX. Was suspicious about XXXX payment, was not offered other forms of payment when asked, and that it was a gmail account, and that they wanted a copy of my id. 

Called the collections agency i knew i had a debt with, and confirmed there was no civil procedure against me or a warrant pending, and made a payment of {$300.00} and set up a monthly payment plan with them ( XXXX ). 

I txted back the alledged attorney and said i paid the collections company, was not comfortable submitting a copy of my id or making a non-refundable XXXX payment, and told them to stop contacting me, gave them the # of ltd to confirm i made a payment/set up a payment plan. 

They responded as such- '' this is your warrant which i am going to send to the local police dept '' I replied that the local police only serve criminal warrants, not civil warrants and to stop contacting me or i would report them to the proper authorities. 

Which i decided needed to be done regardless of them replying back, they were threatening, only offering payment via non-refundable/traceable means, had a gmail account for a supposed attorney, etc, etc.
Product: Mortgage

I WAS UNDER LOAN MODIFICATION REVIEW TO BE CONSIDERED FOR A TRIAL PAYMENT BUT I JUST FIND OUT TODAY OVER THE PHONE THAT THEY DO NOT HAVE ANY PAPER WORK ON FILE I DO HAVE POST OFFICE RECIPT AND BACK ON XX/XX/XXXX THEY TOLD ME OVER THE PHONE TO WAIT FOR THE TRIAL PAYMENT AND NOW THEY SAID THEY DO NOT HAVE ANY MODIFICATION OPEN AT ALL THAT THE LAST ONE CLOSES BACK ON XX/XX/2014 THIS ANLAWFUL PRACTICES ARE GOING ON SINCE THEY BECOME THE COLECTORS ON THIS LOAN, ALWAYS ON A DUAL TRACK AND DECEPTIVE PRACTICES, MISLEADING ME OVER THE PHONE I NEED YOUR HELP TO SAVE MY HOME
Product: Credit reporting

In the personal info page, there are XXXX addresses where I have never lived or had any family member lived there XXXX , XXXX and XXXX XXXX , XXXX
Product: Payday loan, title loan, or personal loan

Issue with XXXX : Over the last twenty-one ( 21 ) months, Ive paid XXXX close to {$7000.00} in payments on a {$3100.00} loan. In trying to pay off the loan today ( XX/XX/XXXX ) I was informed that the payoff amount was {$3600.00}, which is approximately {$700.00} more than the original loan amount after paying them monthly payments of {$350.00}. Anyway, I sent them a payment of {$3100.00} today to pay off the principle amount that was barrowed. So Ive now paid XXXX  close to {$10000.00} for a {$3100.00} loan. Which is over 220 % in interest rate fees on a {$3100.00} loan. Which in my opinion is out outrages and is a total miss representation of the product services that was described to me in my dealings with XXXX  when I originally applied for the loan back in XX/XX/XXXX. 

What astonishes me about my dealings with XXXX is that Ive never over the twenty-one ( 21 ) months that Ive been making payments on this loan, that Ive ever received any documentation on this loan, terms of the loan, interest rate being charged and a payout schedule - nothing. Which is interesting, because they state very clearly on their website the following : Clear information on the cost of your borrowing, including any fees and charges, and our terms and conditions, which is not true in my case and Ive asked in previously conversations with their customer service representatives to send me this information. 

Now some people could construed my position on this as Buyers Remorse on my part, however I believe this borders on the definition of Fraud. 

The other thing that is interesting to me is that they have continued to call me today ( seven calls and counting ) since I spoke with them earlier this morning on what I was planning on doing related to this matter. In fact I even mentioned that I couldn't believe or image that they could get away with this type of business practices in this business environment. 

So I look forward to hearing back from you on your opinion on this matter. 

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

I have obtained the loan with Netcredit in XX/XX/2023. I paid on time and sometimes I was late. Netcredit was on point reporting every single late payment. I have paid off this loan in XX/XX/XXXX and there have not been ANY positive credit bureau reporting. it is XX/XX/XXXX and the last report was submitted on XX/XX/XXXX stating that I'm over the limit and past due. But the loan is at XXXX balance now. I have contacted them and filed the investigation through the credit agency and through Netcredit. Netcredit is NOT providing me with any updates. They state that they report every XXXX of each month but it doesn't look like they reported positive balance. this is hurting my credit scores in a very bad way. 
Please take a look and let me know WHY the company would not report to a credit agency when they are supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was not aware of the hard inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX/XXXX account on my report for several years. This account had a verbal agreement since XX/XX/XXXX. I paid {$100.00} per month for 9 months as a settlement on this account. I sent over the documents to the credit bureau several times but they said it is being reported as accurate. They say I still owe money and they did not report the {$900.00} settlement. I dispute this every month. XXXX has deleted this account from my report but Transunion did not. I made my last {$100.00} payment in XX/XX/XXXX and XXXX did not report this. I sent the statements from XXXX XXXX to prove I paid this and Transunion did not remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending TransUnion letters on top of letters on top of letters. All the way back to XX/XX/21 that would be over 270 days if my math is correct. Their reporting is completely wrong and they keep telling me that it is VERIFIED. When i ask how the verified it as accurate, then they just ignore me. When i ask them to comply and do their job they ignore me. They are the ones that have taken it upon themselves to report credit information and they have a duty and standard that they must follow and they have completely failed at that, I think they may be ignoring me because i am a XXXX women in XXXX, which is a whole other set of ways they are violating 's me. How can they just ignore me and report false information at the same time. This one account has over 10 different errors in reporting yet they don't care. They don't even have my permission to report this information on my behalf and i was never even given an option to out opt. So i don't know hoe they are legally able to keep reporting this XXXX XXXX XXXX XXXX  on my credit profile? It needs to be removed and deleted now i can no longer be discriminated against, and lied to by TransUnion credit Bureau.
Product: Debt collection

I received a letter from Bay Area Credit Service indicating that my deceased mother had an outstanding bill with XXXX XXXX XXXX. 

When I called them at XXXX the man I spoke with said he could not talk to me but only my mother or her husband who was not available. I contacted XXXX XXXX XXXX and and they said that my mother 's accout had a zero balance and they had never sent anything to collections.
Product: Credit card

FCRA 605B mandates the elimination of any incorrect accounts from my credit report. These accounts inaccurately reflect the reporting. I'm entitled to {$1000.00} for each mistaken report in my credit file.
Product: Student loan

I was advised that my student loans were not going through but they did i incurred additional cost they say current but sold and transferred i have several with interest and im still in school butr its a whole page and more on my credit
Product: Checking or savings account

XXXX incorrectly closed my account stating that I had abused their dispute process per my deposit account agreement. However, once XXXX restricts your account, you're unable to access said agreement. Upon requesting additional information as to how exactly I violated the agreement considering only XXXX of my disputes was denied, they were unable to provide that information. Furthermore, they're withholding almost {$1600.00} of my funds and are refusing to give me access after 6 days of waiting. This is simply unacceptable.
Product: Credit card

I received an unsolicited credit card from Wells Fargo. I called to have it closed and was informed that there had already been a balance transfer requested. I was switched from person to person. Finally, I was given a case # and told I would receive an email confirmation. I have not received that confirmation and am concerned. I also received a letter to my dead father saying his spouse had requested a credit card. My mother is also deceased. No record of a credit check has appeared on my credit reports. How can Wells Fargo approve a card without a credit check. 

It appears that Wells Fargo does nothing to protect people from having their identities stolen or actually checking people 's credit before approving a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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  Have 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I woulld like to dispute the following inaccurate accounts on my credit report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$2600.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When  XXXX  made the change from   XXXX   to Visa,  XXXX  issued me a new credit card. I am also a  XXXX  banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX    XXXX   credit score monitoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX  membership fe e ( automatically ) on that card, and was never told about it. By that point my payment was about 6 months late and h ad an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that   XXXX   dealt with this situation poorly.     However, this event has turned out to have a profound impact on my credit score. The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.
Product: Checking or savings account

1. M & T bank charged me 3 overdraft fees for the same transactions resulting in {$110.00} in fees for a {$9.00} transaction. 
2. I tried explaining to M & T bank that I have not been using the account for almost a year, or maybe longer and I can not understand why door dash charged my monthly subscription to this account while they charged all my other purchases to my default account which I use on a daily basis. 
While trying to retify this, along with other transactions on the account which I did not make, they closed the account and sent it to collections. 
Now they're telling me my only options are to either pay the bill or don't pay. But if I don't pay. Its gon na be put on my credit. 
I think its unfair to me being that I never initiated a payment with this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion never allows me to obtain a free credit report from annualcreditreport.com. I have had success obtaining XXXX XXXX XXXX. 

I always get this response from Transunion : Unable To Complete Your Request Online. 

Or this response : Unfortunately Your Request Can not Be Fulfilled Online At This Time. 

The problem is they then recommend that you request your report using one of the other options which is by phone or mail and that can take up to 15 days as opposed to getting it at annualcreditreport.com the same day.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX accounts XXXX and XXXX, XXXX XXXX XXXX accounts XXXX and XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of innacurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be innacurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of that investigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is innacurate.
Product: Checking or savings account

My Account Number is XXXX. 
My debit card was cancelled in error by Ally and marked as fraud. I am stationed in XXXX XXXX XXXX XXXX I called and spoke with a supervisor on XX/XX/XXXX letting them know that my card should be working. I had a XXXX XXXX due to my card being cancelled without warning. I was told a new card would ship the next day. Over the next week I was calling as I was told I would get a tracking number. I never got one. I was told the new card was ending in XXXX. I kept checking and calling, always getting different information. I was then told the card was ordered but did not ship until XX/XX/XXXX. I have been waiting an calling to check. I was told yesterday ( XX/XX/XXXX ) to wait a few more days as the card was shipped on XX/XX/XXXX and it could still arrive. 
On my Ally app today I was my card showing last 4 digits XXXX. I called again today, having a XXXX XXXXXXXX XXXX as I have been waiting over 3 weeks to receive my card. I was forced to speak to 4 different people and told my card ending in XXXX was cancelled ( without my authorization or any warning ) and a new card was shipped this morning, while it has already been over 3 weeks since my card was disabled. I am suffering XXXX XXXX XXXX XXXX XXXX due to this situation.
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 procer 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

CFPB dumped my complaint regarding XXXX 's complicity with Coast Professional , Inc. I am therefore submitting a complaint about Coast Professional 's  misrepresentation regarding compliance with their " rehabilitation plan '' that was supposed to remove the two separate 20 % default penalties tacked on to my balance. ~ $ XXXX of my current student loan balance can be directly related to their deceptive practice and either their refusal to process and release information, or XXXX XXXX XXXX XXXX 's refusal to release my information. I'm working my way through the chain of organizations at this point. 

Coast Professional contacted me in XX/XX/2009 to advise that I was in default, and if I did not pay the balance in full immediately, or if did not make immediate arrangements for refinancing, I would owe the full balance plus the 20 % default fee. I filed for consolidation with Direct Loans, as shown in the attachments. Either Coast Professional and / or XXXX XXXX XXXX intentionally sat on the release of my file and my information to the Department of Education for six months, was given no opportunity to reaffirm the balance of the loan ( which, I was led to believe, was the amount WITHOUT the 20 % default penalty tacked on ), and much to my shock and horror, the 20 % was folded into my refinanced amount. 

I refused to pay the incorrect amount. The loan fell into default again. Another 20 % was tacked on. AGAIN. Coast Professional Inc. contacted me again, and I refused to budge until I received confirmation in writing that compliance with their instructions would remove the loan from default, and was verbally advised that removing the loan from default would remove the multiple 20 % default penalties tacked on. 

I complied. The balance was not corrected. No one will help. I'm submitting all my attachments again. Please do not dismiss this as a duplicate claim again.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$87.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX XXXX XXXX XXXX asking them to remove an inquiry that was not done by me, and they still have yet remove an hard inquiry on my credit report. I also wrote a letter to XXXX  card which is XXXX XXXX and capital one, explaining to situation to all lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some items on all 3 credit bureau XXXX deleted them all but Transunion and XXXX have a few still on there and wont remove them off.