23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My previous complaint on this same topic - XXXX. It takes SUNTRUST now TRUIST a month to process payments. In XX/XX/2021 I received a bill and made three payments to try and rectify the situation with n success. They still charged a late fee and interest. until I complained and got it reversed. They tried to blame me saying aI I used the wrong address. When that proved to be a bogus strategy they then blamed the post office. When I pointed out my previous complaint predated recent postal problems which they said started in XXXX they told me to drive to the branch and pay in person. 

For the month of XXXX, I received a bill for {$150.00} and paid on XX/XX/XXXX {$400.00}. The payment has still not been logged in. I suspect they are doing this to garner late fees and interest charges.
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 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, credit repair services, or other personal consumer reports

I have tried to get a credit increase with Apple Card/Goldman Sachs , until about two weeks ago I had a fraud alert on my credit report/ which has been since removed for about two weeks now on all three credit Buearu sites. When applied to get the card i had a fraud alert, my 1 st increase fraud alert. Since removing the fraud alert, I have applied about 4 times and I always get a response that they couldnt approve me due to the fraud alert, and that they have tried to reach me, which is untrue, I have called reps talked to supervisor s, open up complaint case and have been given my contact number and times available to talk do to the time difference. 
When I received a call out side of the time I am available, the close the case and I have to request another complaint. 

I have asked when they pull the credit is it current and a update, no one can answer the questions.
Product: Credit reporting or other personal consumer reports

There is an accounts on my consumer report thats not mine or no accurate and its hurting my financial health. In this against my consumer rights do to 15 USC 1681 XXXX Account name is XXXX # XXXX and XXXX XXXX XXXX XXXX # AND XXXX XXXX XXXX, has violated my rights I look at my consumer report on all XXXX Credit bureau XX/XX/year> and notice some things are incorrect and not accurate. and according to the fair credit report at whenever a consumer report agency prepares a consumer report it shall follow responsibility produce to assume maximum possible possible accuracy of the information concert the individual about who the report relates according to 15 USC 1681 And according to 15 USC 16 8105 they are supposed to Do this treatment of inaccuracy or unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the furnishing of negative information with this account several times and every time it comes back " verified '' on my report. I have requested for a full audit tracking of this particular account as to see how and why you feel allowed to furnish incorrect, unauthorized and invalid information on my report illegally. Also what gives you the right to sell personal information for profit? Furthermore this account is charged off with you company sending me a letter informing me of such, which means ANY contract we may have had is no longer valid, any rights, consent or permissible purpoes to furnish, disburse or collect ANY information regarding this account has been revoked and recinded. This is causing my reputation and credit report to suffer due to this inccorent unauthorized furnishing on my pubic record
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Capital One failed to validate a debt and sent me threatening letters I am rescinding my credit due to unfair business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rectify my credit for a few months now and I have reached out to Equifax about incorrect accounts reporting on my credit report and they failed to conduct a proper investigation in making sure that only accurate items were on my report. I have gone through the exercise of jotting down each inaccurate account on my report here in hopes that Equifax will finally fix them by removing these inaccurate accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

XXXX XXXX XXXX Bank and their law firm Glennon Law Firm LLC are threatening to sue me in the court of law for an alleged debt. I have notified XXXX XXXX many times over several years that I do not owe them any money and I was a victim of identity theft. I have sent them FTC documents proving this but they are ignoring me and are very persistent in collecting this fraudulent debt. I am a federally protected consumer and my rights under the FDCPA are being violated. I am being harassed and abused. I had a sheriff show up to my home to serve me court papers stating that I may be sued over this alleged fraudulent debt. I am considering suing XXXX and their law firm Glennon Law Firm LLC for harassment and abuse defined under the FDCPA. This debt was not mine. XXXX XXXX sent me a bunch of Account Statements to try and verify the debt is mine but that is not sufficient in the court of law. They have yet to show me where I physically signed any contract or have a physical person witness me apply for an extension of credit. Anyone could have stolen my identity and falsely pretended to be to apply for a card in my name. I also asked XXXX XXXX to show me where I was given a right of recession. Pursuant to the Truth In Lending Act, all consumer credit transactions must be given a right of recession. Although this alleged debt is not mine I was also never given a right of recession. This is a violation of the Truth In Lending Act. I demand that XXXX XXXX XXXX Bank and Glennon Law Firm LLC stop attempting to collect this debt and relieve me of all responsibility. I also demand that they report the accounts as paid in full on my credit consumer reports with no late payments or simply remove the account because they are in violation of the Fair Credit Reporting Act as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Transunion a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX. I went directly to XXXX to dispute this item in question XXXX could not verify this item so they deleted it from their database. 

I then went back to Transunion on XX/XX/2021 and showed them the deleted bankruptcy from XXXX informing them that they could not reveal how they truly verified this item then it needs to be deleted according to FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Debt collection

Several time before this my wife would let me listen to voice mails she had received. It was the bank for this credit card, I never gave her number. I gave the correct information when I did the credit application. But they skip traced and got her number. I have not gotten mail from this company. Only from XXXX XXXX. 
On XX/XX/XXXX, I was answred a call to XXXX my wife. The guy did not confirm who he was talked to, he tried to strong arm collect this debt. by telling me he was taking me to court or charging off the balance if I didn't pay it tonight. I wouldn't talk to him. I was rude to him, on puropose. but asked for a manager. 
This guy acted like he had some sense, we set up the following arrangements. I paid XXXX that night, I would call XXXX on the following dates and pay XXXX per installment. XX/XX/XXXX and XX/XX/XXXX. I also told them I have a bill payment comeing to them every Friday from my bank, automatic. XXXX which it was agreed I would not have any other calls, my wife wouldn't because I updated my phone number. 
I made it very clear to the Manager, I would block the calls if they continued and they would only get my payments, as I send them in. he understood. 
Since then, I have gotten calls to XXXX ( my number ) XXXX @ XXXX XXXX, restricted numberXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX @ XXXX, XXXX XXXX  XXXX XXXX, XXXX Robo caller XXXX XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX XXXX XXXX @ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX, XXXX Robo Caller XXXX @ XXXX , XXXX ( restricted ) @ XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX Robo Caller @ XXXX, XXXX Potental Spam XXXX @ XXXX. 
As you can see, these calls are excessive from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Description In accordance with 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. 
XXXXXXXX XXXX XXXX  XXXX, : XXXX XXXX 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 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 : ,has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On or about XX/XX/XXXX I was contacted by Pressler felt & Warshaw re : an alleged debt that they purchased from XXXX XXXX, which originally belonged to XXXX XXXX. on or about XX/XX/XXXX I answered this alleged debt asking for the demand for documents and or validation and or verification of this alleged debt. shortly after Pressler felt & Warshaw sent 4 copies of a credit card statement that proves no verification or validation of this alleged purported debt. XXXX XXXX  and Pressler felt & Warshaw could not and will not swear affidavits as to the accuracy of this alleged debt. and have served me again on XX/XX/XXXX, this is an overshadowing violation and violation of 1692a. ( 4 ), 1692g validation of debts, and also ( mandarin trading ltd. V Wildenstein , 16 n.y.3d 173,182 [ 2011 ] ) existence of contract. ( a ) a party alleging a breach of contract Must demonstrate the existence of a contract reflecting the terms and conditions of the purported agreement. it is axiomatic that XXXX XXXX  and Pressler felt & Warshaw seeking to recover under a breach of contract theory Must prove that a binding agreement was made as to all essential terms. construction of an unambiguous contract is a matter of law! in essence, XXXX XXXX  must show that it is the owner of the alleged debt sued upon. it is imperative that admissable evidence shows that specific account was owned by XXXX XXXX at time of suit. 
( XXXX XXXX XXXX v XXXX, XXXX XXXX XXXX [ XXXX dept XXXX ]. 
XXXX XXXX  and Pressler felt & Warshaw had enough time from our initial contact back in XX/XX/XXXX to prove and provide evidentiary proof and demand for documents that they have failed to do so.
Product: Mortgage

Submitted loan application to LenderFi on XX/XX/2020 using a link I had saved in my computer bookmarks folder from a previous website visit. There was no indication on the page I submitted application that LenderFi was no longer taking applications. LenderFi 's application system automatically pulled my credit upon submission even though LenderFi was not taking applications at the time my application. LenderFi acted in bad faith and pulled my credit with no intention of offering me a loan. 

LenderFi violated 12 CFR 1026.19 as I provided LenderFi the six pieces of information required to receive a loan estimate in good faith. The automated application system loan estimate was not accurate and not based on current market rates. 

I called via telephone and emailed XXXX XXXX on XX/XX/2020. XXXX did not return my phone call or respond to my email asking for a good faith loan estimate based on my specific refinance. 

I again emailed XXXX XXXX on XX/XX/2020 and asked him to provide an accurate loan estimate. He did not respond. 

I again emailed XXXX XXXX on XX/XX/2020 and he refused to provide a loan estimate. He claimed LenderFi 's website was not taking applications and it was my fault for applying for a loan. I replied to XXXX XXXX as stated above, I had the website link saved and it was no fault of mine that I applied. 

I again emailed XXXX XXXX on XX/XX/2020 asking for a good faith loan estimate since LenderFi had pulled my credit and not provided me me a loan estimate. XXXX XXXX did not respond.
Product: Consumer Loan

I made a large payment on my Bank of America credit card which I have had for 13 years. I thought the large payment would help my credit, but instead they immediately lowered my credit limit, ruining my credit and I have no funds to use. I have always been on time with my payments and I was n't even notified! This company is evil and low life.
Product: Credit reporting

In an ongoing effort to keep my credit report free of errors, I have been trying to log on to the TransUnion website to file an online dispute for several weeks now. Through lengthy conversations with their telephone customer service representatives I learned that someone else had logged on posing as me with a fraudulent email address, complete with fraudulent answers to security questions. I was asked to provide proof of my identity by sending them government photo ID from my email address. When I did this they sent a login reset link to the fraudulent email address, which I only know because they happened to have cc 'd my email address. If I did n't have a security breech before, I definitely have one now due to negligence on the part of TransUnion. 

After many customer service calls wherein I was not fully understood by the agent and/or I could barely understand them due to thick foreign accents, I asked to speak to an American call center. I was transferred to someone who spoke perfect English, but who would only record the details of my problem and could n't help me. This person promised I would be called back by someone in the US who could help me, but it never happened. I responded to the email sent out to the fraudulent address explaining what they had done and they claimed, " We have blacklisted email address and locked up the account with reference number XXXX. '' But whenever I call in I can not get a representative to confirm this. I am still unable to log in online, which is the easiest way to lodge a dispute. More importantly, without the ability to do so, I feel I am not in control of my personal information. Finally I asked them to put a security freeze on my report while this was worked out and after they did so they informed me that I would be charged {$10.00} to lift it unless I filed a police report, which is outrageous because they would be an accomplice in any identity theft charges. 

I have been very clear in what I want from TransUnion to settle this matter : 1 ) I want to know that my information is secure and available only to me and authorized financial institutions. 2 ) I want to be able to log in under my own email address and be able to access and dispute my credit file online. 3 ) I want them to admit their complicity in this security breech and refrain from charging any fees associated to the security freeze on my account, even if I need to lift it in future. 

It would also be nice if they took steps to make sure this kind of thing does n't happen to someone else.
Product: Credit reporting

I tried to get my annual credit report at Annualcreditreport.com and Experian advised that they were unable to provide my report online and that I had to mail in identifying documents in order to request my credit bureau. I saw that you could upload copies of identifying documents online, so I went to the trouble of scanning and uploading these documents and got an error message back saying that these documents were not able to be uploaded. I then went to the Experian website and tried to sign up for their " Completely Free and Easy '' monitoring service and got an error message that there was an " internal error '' and that all my information had been deleted. You should n't be able to call yourself a credit reporting company and not be capable/willing to provide your consumers to information that is rightfully theirs. I could make a manual request through the mail, but this company should not be allowed to claim to offer free credit bureaus if it is unable to do so.
Product: Checking or savings account

I had a check run through twice. Check # XXXX ran correctly for {$650.00}, then ran again, incorrectly for {$670.00}. I wrote the check XX/XX/XXXX, they were debited on XX/XX/XXXX. Northwest Bank. I notified them of this error XX/XX/XXXX. They dont seem to care. I feel this is theft, and they should give me my money back. I was told that they sent the information somewhere for them to look into it. I dont know who is looking into. Every time I call and ask about it, they are very rude. USSCO Federal credit union was where the check should have been debited from. I contacted them, they said they couldnt do anything, because Im not a member. I have also contacted the company who received the funds, XXXX XXXX XXXX, I havent gotten anywhere with them, either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> I am writing to formally request that the following accounts immediately cease and desist from any further communication or action on my credit. 

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 dispute the validity and accuracy of these accounts and any associated claims or actions being taken by the companies. As per 15 U.S.C. 1681e, under the Fair Credit Reporting Act ( FCRA ), they are required to ensure that all information reported to the credit bureaus is accurate and verifiable. I believe the information in question is incorrect and should not be reported on my credit file. 

Under 15 U.S.C. 1681i, I formally request that the accounts are removed from my credit report. If you are unable to verify the accuracy of the accounts or substantiate the information, I expect the accounts to be immediately deleted from my credit report.

Furthermore, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that the accounts immediately cease and desist from contacting me or taking any further action regarding these accounts, including all forms of communication such as phone calls, letters, emails, also reporting on my credit report, and any other form of correspondence. 

Thank you for your immediate attention to this matter. 

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

The XXXX XXXX Account is not mine. The account being reported is not my current or any historical account. I have attached a file for documentation and supporting evidence. This needs to be removed as it is causing unnecessary freezes on my credit. Thank you.
Product: Credit reporting or other personal consumer reports

Upon looking at my credit report, I noticed unauthorized inquiries reporting. It looks like some applied in my name. I have written multiple letters to TransUnion as well as called multiple times to correct this mistake. As of today, nothing has been done. The inquiries are still reporting. According to the FCRA, legally these unverified & unauthorized items MUST be removed! 

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 XXXXXX/XX/XXXX I have already submitted a police report via mail. As well as already contacted the original creditors.
Product: Credit reporting or other personal consumer reports

There is an account being furnished to my credit report that should have been removed in XXXX of 2023. Please see the attached response letter from XXXX XXXX Bank and remove the following account from my credit report : XXXX  XXXX XXXX