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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance Owed : {$40.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed XXXX {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$880.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My payment of {$430.00} was due on XXXX XXXX, which I paid on XXXX XXXX. {$180.00} was to be applied towards my federal loans, and the remaining {$240.00} was for my private loans ; however, my payment was misapplied and all {$430.00} was applied towards my private loans, making my federal loans appear late. I called Navient on XXXX XXXX to fix the situation. The representative I spoke with advised she was submitting a request to reapply my payments and the issue would be fixed by XXXX XXXX. 

It is XXXX XXXX and the problem still is not fixed. I have received letters stating my rewards benefits have been revoked because of my late payment, I am receiving phone calls because my account appears delinquent, and I am concerned this will negatively impact my credit report. 

I called twice on the evening of XXXX XXXX to further attempt to correct the issue. The first representative advised me I would need to speak to a supervisor to resolve the situation. After waiting on hold for nearly 20 minutes, the line went dead. When I called back, I spoke to a woman named XXXX who stated she was in the federal area and she could not assist me, but she would connect me with the area that handles private loans. She could not provide me with a direct number to contact the private loan area. After waiting on hold for another few minutes, I received a pre-recorded message that said my call could not be connected and I needed to call back during normal business hours. When I tried calling a third time, I received the same message advising to call back another time.
Product: Mortgage

Got surplus check & statement from mortgage escrow account dated XX/XX/2019 saying there's a surplus of {$2400.00}. It said to deposit or cash the surplus check. Deposited the check and 2 days later my bank informed me the check bounced and charged me a bounced check fee. 

I called Ditech mortgage servicing to find out what's up and they said there was something wrong with the account the check was sent from and offered to direct deposit the check plus the XXXX dollar bounced check fee. I gave them the bank name, routing #, account # over the phone and it took almost a week for the funds to show up in my account ( deposited on XX/XX/2019 ) but the XXXX dollar bounced check fee was never paid. It was not even included in the direct deposit. I called Ditech mortgage servicing and was told that the request for the XXXX dollar bounced check fee was put in but did not get paid out. I complained again that when I called last time, I was assured the XXXX dollar bounced check fee would be sent with the direct deposit and it was not. I called again on XX/XX/2019 and told them I have the original amount but not the bounced check fee that's still owed to me. They put in another request but said it has to be processed and did not even tell me when it will be pushed through. 

Later in the day on XX/XX/2019 I found out the company Ditech filed voluntary petitions for reorganization under Chapter XXXX of the XXXX Bankruptcy XXXX. I did not get mail or notice of this and found out online when I logged into my account on XX/XX/2019. 

To date I still not have received the {$20.00} dollar bounced check fee they owe me for sending me a bad check.
Product: Credit reporting or other personal consumer reports

I have repeatedly tried to contact Transunion via phone, Text, and Internet website Friday XXXX XXXX. They constantly hang up during any automated process, no live help is available, I also tried using the website to put a freeze on my credit report and they never send me a 2 factor authentication passcode. Unable to logon to my existing account to put a freeze due to National Public Data breech.

I am unable to connect with Transunion in any manner. 
Please HELP! 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I purchased a game set online from XXXX individuals. When the game arrived the game was a fake. I contacted the bank and filed a dispute. I filed charges at the police station and in the courthouse and sent the copies to the bank for proof along with the conversation with the seller admitting I was robbed. The bank em denied the claim and said the merchant doesnt want to return the money. I have fraud protection through my bank! I should be protected by then especially when I provided all the proof necessary to them already.
Product: Checking or savings account

I filed a dispute regarding a home I purchased. I advised Chime that I purchased phone from a website and they phone didnt work. I messaged the seller and they told me to send the phone back for a fill refund in which I did. Nice they got the phone back I could not reach them ever again and they charged me again for the same phone. After I couldnt reach the merchant. I filed a dispute with chime for each transaction and they denied it even after I sent the exchange between me and the merchant showing where I was promised a refund. Then I had. 3rd dispute regarding a charge that I didnt make and cancelled my card and requested a new one and I was denied within 2 days with no reason why. Chime also reopened my 1st 2 disputes and denied them again and after I called today they opened it for a 3rd time. They need to be held accountable as my financial institution.
Product: Money transfer, virtual currency, or money service

Taking money from my account and shutting it down.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Student loan

I received a letter back in XX/XX/2022 from Federal Student Aid stating my loan will be XXXX due to borrowers defense. I reached out to the in regards to the letter and was told it will be 30 days and i would receive a refund and the loans will be removed from my credit. Now its XXXX years later and nothing has happened, I have made over a XXXX phone calls to be told its nothing they can do and I have to deal with Mohela and Mohela knows nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : 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 reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Westlake Financial Services located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Westlake Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX DUVERA BILLING SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX Duvera Financial XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX Dear Sir/Madam, Re : Cease and Desist Demand for Inaccurate Reporting / Unauthorized Action on My Credit Report I am writing to formally demand that DUVERA BILLING SERVICES, LL immediately cease and desist from the unlawful or inaccurate actions regarding my credit report. 
I have recently reviewed my credit report from your bureau and found that DUVERA BILLING SERVICES, LL is reporting. These inaccuracies or actions are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information in consumer credit files. 
Specifically, you are in violation of the following provisions : * Section 607 of the FCRA : Ensuring that all information reported is accurate.

* Section 609 of the FCRA : The right to dispute and demand correction of any inaccuracies.

* 15 U.S.C 1692C : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
I request that you : 1. Immediately cease reporting the inaccurate or unauthorized information.

2. Provide me with a written confirmation that the erroneous entry or unauthorized action has been corrected.

3. Cease any further attempts to report or act on inaccurate or disputed information unless verified as correct. 
If this matter is not resolved promptly, I will have no choice but to escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant authorities. I also reserve the right to take legal action to enforce my rights under the FCRA and seek any damages or remedies available. 
Please treat this letter as a formal demand to cease all actions related to the disputed information. I expect written confirmation of the resolution within 30 days. 
This letter is sent without prejudice to my rights and remedies, all of which are expressly reserved. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violates the ( CFPA ) Consumer Financial Protection Act ( CFPA ). Cash App failed to 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 apply with error resolution requirments under the Electronic Fund Transfer Act ( EFTA ) and Regulations E these actions have caused significant Inconvenience and financial loss and I seek appropriate redress for these violations
Product: Vehicle loan or lease

Made several lump same payments totaling {$2800.00} -- on XXXX ( {$400.00} ), XXXX ( {$600.00} ), XXXX ( {$1700.00} ),  and XXXX ( {$140.00} ) -- with the intention of applying the extra payment to principal. There is no option on the website to direct payment to principal. After making the payment I noticed it was not applied to principal, instead was applied to future payments. I then called Valley several days later ( approximately XX/XX/XXXX ). Bank told me they would speak with " financial '' about reapplying the payments correctly, and will get back to me. They never called back. I revisited the issue now in XXXX and the bank is telling me that if they apply the payments now, my account will be delinquent and sent to collections, and that they will " come take my car ''. If they had taken care of this issue back in XXXX when I called, I would have been due in XXXX and continued making payments, reducing my total interest owed as I intended. Instead my due date is XXXX and at the bank is threatening me with repossession of a vehicle if they correct their own mistake. They simply didn't heed my request in XXXX -- that is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX  Inquiry : XXXX XXXX, XXXX, ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Vehicle loan or lease

On going issue with Wells- Fargo , creditor has reported a missed payment to my Credit File for XXXXXXXX XXXX XXXX 

This originates from me allegedly inputing incorrect bank account information into their system that resulted in a reported missed payment. 

This is not true, I received confirmation from a Wells-Fargo Act associate that multiple customers were having similar issues regarding this matter following Wells-Fargo either updating or changing their systems.

Customer service associate promised removal of this reported late payment, Wells-Fargo has repeatedly failed to respond to Letter, E-Mails and complaints regarding this matter.
Product: Credit reporting or other personal consumer reports

This corporation has invaded my privacy and violated the GLBA I demand a proper reinvestigation into this matter as damages have happened due to the this unfair reporting in pursuant to 15 USC 6801 ( a ) Privacy Obligation Policy It is the policy of congress that each financial institution has an affirmative and continued obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

I never gave this corporation permissible purpose to report this information and they never clearly or conspicuously disclosed that they would disclose this account / inquiry further more they never gave me an opportunity to opt out of this account being reported in pursuant to 15 USC 6802 ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless -- - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other forms permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never gave this corporation permissible purpose to report this information and they need to immediately remove all inquiries and accounts. I reserve my right to recourse under the FCRA and will seek remedy for all damages suffered. 

Current Dispute Confirmation Number : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Around XX/XX/year> I was charged interest when I should have not been as I was in forbearance in the SAVE plan. I called them and filed a complaint with them but they did an internal investigation and kept the interest charges. I paid the {$550.00} in order to avoid any issues or penalties. The responded by saying they saw no issue and kept the interest amount charged to my account when it should not have been. Since then I have not had issues with interest accrual but this XXXX XXXX should not have been charged by EdFinancial to begin with. I am requesting they credit my account the full amount of that interest payment.
Product: Debt collection

I am a victim of identity theft. Someone rented a car in my name and I am not sure what happened to it, presumably they crashed it. The debt for that rental car was passed along to collection. I have emailed the collection company police reports and explained that I am not the person that is responsible. They call me multiple times daily threatening me with jail and telling me that they will take steps to ruin my life. I am being harassed and I am the victim.
Product: Credit reporting or other personal consumer reports

I am submitting in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question : XXXX XXXX XXXX Balance Owed : {$560.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Please forward me the name and addresses of persons contacted. XXXX ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated according to Section 1681i ( a ).
Product: Mortgage

I am trying to secure loan payoff on my deceased mother 's mortgage loan account with Freedom Mortgage Company. The process to gain access to her account was originally initiated on or about XXXX of XXXX. I spoke with XXXX XXXX, Specialist Escalations and at her requested emailed a copy of my DL, my mother death certificate and trust documents naming me as trustee. The next several months afterwards I was able to access her account her payment statements began coming to my address as requested. Sometime after that period I no longer had access and statements stop coming to my address. On or about XXXX of XXXX I spoke with XXXX XXXX and week later XXXX XXXX Escalation Teller XXXX and forward her requested documents in order to obtain the payoff of the loan. I received a letter date XX/XX/XXXX requesting Letters of Administration/Letters Testamentary or Personal Representative of Estimate. I called the mortgage company after receipt of the letter to explain that with the Trust their was not a requirement for probate proceedings and there is no executor/personal representative. I spoke with XXXX XXXX he requested to assist me any further or transfer me to a manager or a member of the escalation team stating " I am not their customer '' My mother house is under court order to be sold and is schedule to close on XX/XX/XXXX. The sale is begin held up because the mortgage will not provide the payoff and provide any additional info on what documents are need to obtain the payoff. Ironically the mortgage is past due and they have not problem sending a letter to my address advised that the mortgage is past due and the past due amount is disclosed in the letter.