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

this is a formal complaint tht transunion is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However Transunion is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which Transunion has failed to do.The following accounts are reporting illegal. 
XXXX XXXX XXXX account # XXXX latepayment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late Payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late payment.
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 proce 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 ( 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 proces 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: Prepaid card

I had updated my direct deposit information to my employer and accidently reversed the numbers at the end of my account number. I saw the mistake before the money was actually deposited into the wrong account and contacted American Express Centurion and told them and they explained to me that the computer would recognize my name and still deposit the funds into my account. This did not happen. My pay check which was {$1300.00} was deposited into the wrong account. American Express did freeze the funds so this other person could not spend my money and then requested that my pay roll bank which is XXXX XXXX submit a letter called a Hold Harmless which pay roll indicated that they do not provide. Payroll then submitted a recall to retract the funds and American Express denied the recall. They then indicated again they would only release my funds to the bank if they received this letter that my payroll bank does not provide. We have asked if there are other methods besides this one and they keep telling us they will get back to us and they only keep saying they need this Hold Harmless Letter. They then told me that they can only hold the funds for 30 days and after 30 days they will release my pay check to this other person and they will get to keep my money. This is totally unfair. We all know that there was a mistake and there has to be another way to have things verified to send my hard earned pay check back to the pay roll bank. I am living one pay check behind and I am late with all of my bills and my rent is now a month behind and my landlord is very upset and threatening to evict me and my XXXX kids. This pay check was right before XXXX also and I had no money for XXXX or the XXXX XXXX. I desperately need my money and they are doing nothing to get it back to me. It is as if they do not care when they clearly see the money belongs to me. I have been having the direct deposit for years and even now my pay check is still being deposited. Please help me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( 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: Credit reporting or other personal consumer reports

Experian, Please see attached - there's a fraudulent hard credit inquiry on my report that needs to be removed immediately of : EXPERIAN XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX  BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX  ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Mortgage

I sold my home on XX/XX/2018. Closing statement shows XXXX XXXX took out {$1500.00} to pay property tax, as well as {$210.00} MIP, out of the sale proceeds. I trusted everyone involved and was extremely overwhelmed with moving out of home and into new home. I work long hours & have little time to handle personal affairs. I'm late on preparing XX/XX/2018taxes. In gathering info for tax preparer a few weeks ago, I went to XXXX XXXX XXXX ( XXXX  ) website to ensure I received all tax docs from them, but discovered that I had not received everything. I downloaded Form 1098, XX/XX/2018 mortgage statement, and their Escrow Account Disclosure Statement. I saw that XXXX indicated the {$1500.00} property tax was paid from my escrow impound account, as well as two charges of {$210.00} FHA MIP ( why two? ). Seems to me XXXX paid my property tax and XXXX XXXX also claims they paid the tax. Someone owes me property tax as it was paid twice. And seems XXXX owes me {$210.00} for double payment of FHA MIP, and probably owe me more money that I'm not understanding as they make everything complicated. They've dragged their feet by not finding my account ; I provided info ; they emailed me today that my account is closed and they're not doing anything further. This is unacceptable! For all I know, they kept my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a dispute to equifax stating a violation of my HIPPA rights by XXXX XXXX of which I asked for validation of debt of which they return with statements showing the procedures allegedly in dispute but without a HIPPA release form with my signature on it authorizing the release of my medical records, For this I sent Equifax proof of such violation of which I will attach with this claim. Equifax FAIL to investigate claiming that account was verified when VERIFICATION was not on dispute but rather a VIOLATION of my rights, attached I am sending proof of violation, proof of dispute with equifax, results from equifax investigation. ->.. XXXX XXXX Acct # XXXX XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you continue to violate my rights and the law by constantly verifying the un-authorized inquiries listed below. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX | XX/XX/2023 : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX | XX/XX/2023 : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX | XX/XX/2023 : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

In my last letter I gave you the new and relevant information ( proof that the creditor did not have authorization ) you needed to conduct your investigation. Yet you still verified these inquires. Its troubling that your company continues to violate the law and hurt consumers on a daily basis. The law is clear, if the creditor does not have permissible purpose to pull a credit report, they cant pull. You have failed your responsibilities to me as a consumer and I will explore all legal options that are afforded to me under the law. 

Because of your willful non-compliance, I will be filing more complaints with various organizations. I will also be seeking legal advice on this matter. 

CC : FTC, Attorney Generals Office, XXXX, CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Revenue reported the child support my late wife was awarded in my divorce for the time we were separated as back delinquent child support even though the payments were payroll deducted and I never missed one. She unfortunately passed from XXXX XX/XX/2021 and I now have my XXXX minor children full time. I have been attempting to obtain a mortgage ever since. Due to the inaccurate reporting, I have been repeatedly denied a mortgage even by the VA ( I am a decorated combat veteran ) I went to court and the XXXX agreed to have both inaccurate accounts deleted from my credit report in XX/XX/2021. As of today, XX/XX/2021, that has yet to be corrected. One of the accounts is still showing and now the payment from XX/XX/2021 showed as being in collections. Last month it did not. This black mark on my credit just will not go away. I now have an enormous amount of inquiries due to trying to get a mortage on all 3 reports because of it which is now also stopping me.
Product: Mortgage

Hello, I am writing you to ask to receive assistance with an issue for a mortgage ( ending in XXXX ) I have with Chase bank and specifically concerning my credit history. 

I always paid this mortgage on time since XXXX, by automatic withdrawals. Last XX/XX/XXXX instead I wanted to pay with a check of XXXX $ and XXXX $ with a transfer from my checking account with Chase, to cover the whole monthly payment. I asked the assistance of Chase to make sure that everything was fine and I was reassured by Chase : " I have good news ; We have successfully combined your payments of {$900.00} and {$660.00} to satisfy your XX/XX/XXXX monthly payment. Your next payment will be automatically drafted on XX/XX/XXXX. '' ( attached email ). 

Instead it seems that the XXXX $ transfer had not taken place properly even tough my checking account had all the funds necessary. I was not aware of any issue nor at fault, since I was reassured by Chase own words that the payment was successful. Chase did not reach to me to let me know of the issue. On XX/XX/XXXX I received a notice of pre-foreclosure. I immediately called Chase and made again a payment of XXXX $ to cover the XXXX mortgage payment again. 

I know that late payments can affect the credit history so I asked Chase to make sure that they would reverse any bad note on my credit history, since they have made a mistake and I am not at fault. They are not willing to do so.
Product: Debt collection

I lost my job in XX/XX/XXXX, no income until XX/XX/XXXX. Tried to negotiate with lender for a hardship. We have 5products from US Bank. I 've been tossed around the cust reps and when trying to return calls, was having 20 to 25 minute wait times. We get 10 calls a day. I gave up trying to get the help they told us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today I was informed that my credit file was being suppressed because a creditor / collection agency has stated I am not who I say I am. The credit agency is now asking me for a copy of my social security card for which I am already a victim of identity theft HOW CAN A COMPANY ( collection or otherwise ) have influence to suppress and or block my credit account without prior authorization. I have not elected for a freeze that would create this effect. 


This is a violation of the fair credit reporting act. not to mention my rights as a citizen. I am a citizen of the UNITED STATES OF AMERICA. Any information given to credit agencies is then shared with the collection companies even if it is reported as FRAUD with the affidavit and police reports on file. It does not seem as though the credit agency can be unbiased and act with integrity. This is STRESSFUL AND IS a form of discrimination. This paralyzes me to provide for my family and any business that I may be conducting business with.

This needs to be removed immediately.

I will be filing complaints with the FTC CFPB XXXX  TEXAS ATTORNEY GENERAL DEPT OF JUSTICE Governor of TEXAS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX XXXX [ XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX XXXX Dear [ XXXXXXXX XXXX and Credit Bureaus TransUnion, XXXX and XXXX ], XXXX # XXXX I am writing to you with the purpose of requesting the removal of a " charge off '' from my credit report. I am aware that this request is unusual, but I would like you to consider my personal situation and the specific reasons that lead me to make this request. 

During the period in which the charge off occurred, I faced a number of financial and personal challenges. [ Here you can go into more detail about your situation, for example : " I lost my job due to company cutbacks, which led to serious financial difficulty. At the same time, I faced health problems that increased my medical expenses and decreased them even more my ability to meet my financial obligations. '' Since then, I have worked hard to overcome these challenges. I have secured stable employment and have taken concrete steps to improve my financial situation, such as [ you can mention specific actions, for example : " attend a personal finance management course, negotiate payment plans with my creditors, and establish a strictly controlled budget " ]. 

Additionally, I am in the process of continuing my XXXX education and have ambitions to join the fire academy. Both goals are not only crucial to my personal and professional growth, but will also allow me to contribute meaningfully to my community. However, the presence of this " charge off '' on my credit report is creating a significant barrier to achieving these goals. 

In light of the above, and based on consumer protection laws, particularly the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I respectfully request that you consider removing this " charge off " from my credit report. 

I understand that credit decisions are based on historical information, but I also believe in second chances and the power of financial redemption. I have demonstrated consistent effort and genuine commitment to improving my situation and believe that removing this negative mark would be a crucial step for my future. 

I sincerely appreciate your time and consideration in this matter. I am willing to provide any additional information that may be necessary and look forward to resolving this situation in an amicable and mutually favorable manner. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Student loan

I cosigned a private student loan for my grandson in XXXX for him to go to college. My grandson unfortunately dropped out and disappeared and I was stuck with the loan. Navient now services the loan, originally with XXXX XXXX and they have harassed me to a point where I have to take XXXX. I made my best efforts to pay until very recently I decided I could n't. Since XXXX I have applied for forebearances and/or made monthly payments. I live on fixed income, social security and a very small pension monthly. I can barely meet my necessities and have a documented budget showing my money flow. I originally was paying $ XXXX until XXXX XXXX they increased my payments to {$240.00}. I have paid this diligently until XXXX when my medical expenses have gone up and I can not afford this payment. I tried to negotiate with Navient to lower the payment but they refused. Then I gave them my to the XXXX budget on my fixed income, they told me things like, " Eat less {$200.00} for groceries is too much for a person '' ( mind you I am a senior ), they also told me, " get rid of your dog it 's too expensive '', additionally that haircuts are luxuries and most recently that they would GARNISH or TAKE my social security check. I have seen a financial counselor who assured me this is a private loan and they can not garnish my social security but Navient 's threats to me had me shaken and seriously nervous. I have since decided to stop paying the loan and sent them a cease and desist letter. Navient was robo calling me 6-8 times a day and I have it documents before the letter. The financial counselor called them with me and advised them not to call me until they received the Cease and Desist Letter. They did stop for a week. I sent the letter with a return receipt and got confirmation that Navient has received the letter. Amazingly, Navient started calling a week later, when I stated I sent a Cease and desist letter they denied they ever got it. I have my return receipt stamped by Navient stating they received it. They told me I had to email it over but I do not have email. Thankfully my financial advisor emailed it over from her email. Her contact is XXXX XXXX, from XXXX, a non-profit that is contracted by the XXXX XXXX.
Product: Debt collection

on XX/XX/2019 i was called by some of my friends regarding a phone call they received from a debt collector named XXXX XXXX from Thunderbird collections. They told me this person reached out to them asking them to have me call him regarding a personnel business matter and he asked them if i am working and if so whats the name of my company. now my wife and i have spoken to him on a few occasions and we asked him for the proper documentation regarding his licence to be a debt collector in Arizona which he dose not have as its based out of California as well as other documents regarding the debt which we did receive. since our calls with him we have sent payments to the company on a payment plan however i do not know why XXXX XXXX is still pushing the way he is.
Product: Credit reporting or other personal consumer reports

Im frustrated to see inquiries from your company on my credit report that I never agreed to.
Product: Checking or savings account

I am trying to get my transactions sent to active hours and my bank will not send the transactions that I need forwarded
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried several times unsuccessfully to have some inquiries removed from my Transunion credit report as they are reporting inaccurately. Then finally I spoke with a Transunion agent on XX/XX/XXXX who looked over my credit report and stated that these items would be removed due to them being reported inaccurately. I received a confirmation number and was told that my credit report would be updated in 24 hours with these inquiries removed. On today XX/XX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!
Product: Credit reporting or other personal consumer reports

I have the right to privacy consumer law codes 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information is my business. My student loans are my private information. XXXX has reported my private information without my consent. XXXXXXXX XXXX  actions amount to aggravated identity theft consumer law code 15 USC 1028 ( A ). As a consumer you have the right to protect my personal non public information. 15 USC 6801 - Protection of Non-public Personal Information.