23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing two fraudulent accounts for XXXX XXXX and XXXX XXXX/XXXX XXXX these investigations took more than 30 days and Equifax is unable to block these items due to identify Theft and put them in a regular dispute instead they are unable to assist me over the phone and didnt remove these two accounts or my inquires I currently have XXXX inquiries all of them fraudulent. Every since the Equifax data breach started these account were open without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan, is owned by Navient. Up until XXXX, XXXX, I've either been in their forbearance, or deferment programs. However, from XXXX XXXX, they inconsistently listed my account as 'late ' by 90 and 120 days. However, my account was in good standing, for the previous month ( s ). Example : XXXX & XXXX, XXXX, shows my account 90 & 120 late, but XXXX, XXXX, and XXXX, my account is in good standing. So, how can I be 90, or even 120 days behind? XXXX and XXXX, would have had to be 30 and 60 days, behind, but they are being reported as in good standing. This is the case for XXXX & XXXX, where Navient is inconsistently showing, my account, as 90 & 120 late, when the preceding month ( s ), are in good standing.

I've sent all three ( 3 ) credit reporting agencies, a formal dispute. All but one ( 1 ), XXXX, have removed the in formation. I even wrote Navient, and they refuse to either correct, or remove the items in questioned. Replying, that I was late, and that my deferment didn't cover the dates they are reporting. Their reporting is skewed, and without merit.
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 did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Somebody XXXX XXXX there self money without my knowledge she XXXXXXXX XXXX herself {$200.00} then she XXXXXXXX XXXX herself {$500.00} the date when it happen was XX/XX/year> I called Wells Fargo report as fraud & scam also she scrammed me on XXXX she sent herself {$1000.00} from my bank Wells Fargo I called customer service she got ahold of my information Im very upset about this thats my money out of my bank account
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. it also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I was in default in my student loan so I had to go through a rehab program. I did so very successfully. Then I was put with XXXX. For the first year things went okay. I had an IBR plan. Then for the second year I resubmitted my application, but didn't get a response for MANY months. In the meantime they expected me to make payments that far exceeded what I could pay. I never heard back from them regarding my IBR application. My loan has again gone into default.
Product: Checking or savings account

I made an ATM deposit in an amount of XXXX in the form of a stimulus check and now I am told I have to wait because my name does not match. I recently was divorced and offered my drivers license and divorce decree to prove my name is legally or was XXXX XXXX or XXXX XXXX XXXX however now I am afraid I will not be able to get my rent paid because of this issue of have my car payment deducted on XX/XX/2020 I spoke to three representatives and no one took any initiative or had any emphathy towards me. This is not acceptable for a banking institution to treat customers this way. My rent payment will be deducted shortly and no resolution was given to me I feel this is unfair. The bank location is BBVA in XXXX  Texas phone number is XXXX My bank acct ends in XXXX Last four of ssn XXXX XXXX XXXX is listed in my account Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I need my check back ASAP or deposited to my account I have all my documents in place. I do not have an official name change however legally on my drivers license I am XXXX XXXX XXXX and have proof of my identity Please help me my call back number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of Letters stating that XXXX was reporting a inaccurate account, They have refuse to fix this issue even after numerous of times of proof. XXXX is reporting a Charge off monthly on my credit report after XXXX of it being charged off. This account is is supposed to be dead account but it is still reporting a active payment history. Each time the Charge off is reporting the statue of limitations is directly changed. They have refused to correct or investigate this account
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 Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX, Hello, In furtherance to my conversations with your representatives as to why I think it is imperative that Amerisave Mortgage be held accountable for misleading prospective customers, I am hereby explaining my rationale. 
Having been previously advised by XXXX XXXX XX/XX/XXXX that I can not qualify for their lower interest rates that are currently being offered because my Debt to Income ratio lends me ineligible to qualify. Therefore, on XX/XX/XXXX when I first received the unsolicited phone call from Amerisave Mortgage 's representative by the name of XXXX XXXX, I was quick to explain to him that although I had previously investigated refinancing my mortgage loan, it was already determined that I was ineligible. 
Undeterred, he immediately proceeded to explain that unlike traditional lenders, Amerisave is not hampered by regular bank lending restrictions ; that their company is made up of a conglomerate of investors that simply try to achieve higher yields on their monies. Furthermore, given my extraordinarily high credit score cements my approval with them. This really made sense to me since I am managing monthly to get by, although marginally and how much easier it would be saving {$600.00} {$700.00}. Thus he totally had my interest. Their one conditional caveat was their non-refundable application fee of {$500.00} which of course would be credited towards the balance of my closing costs once my loan most assuredly would be funded, after all they had already given me a loan number. Excitedly I proceeded with filling out the application and agreeing to pay the {$500.00} application fee ( given that they are unconventional lenders and relying too on the confidence of 'What 's in my wallet ', my XXXX XXXX Credit Card ). Within an hour I received the answer to my application with XXXX telling me sadly that 'yes indeed my debt/income ratio was too great '. I then immediately contacted XXXX XXXX to contest the {$500.00} charge who consequently reversed the charge and credited my card XX/XX/XXXX. Figuring the case closed, I resolved to not be similarly taken again. 
Bingo, XX/XX/XXXX Amerisave Mortgage recharged my card providing to XXXX XXXX a printed out copy of the signed application I had executed on the computer screen. What is so upsetting and 'sticks in my craw ' is that I had forewarned the salesman of my ineligibility immediately. Consequently, I've investigated the reviews on the internet regarding Amerisave Mortgage and it's fraught with negative comments expressly the same as mine. Amerisave Mortgage is a prime example of a firm that takes advantage of and preys on individuals most vulnerable of which are the retired with fixed income. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requires debt collectors to validate debts upon request. This debt collection account has not been properly verified, which is a clear violation of these federal laws. The recent court case ** '' XXXX XXXX XXXXXXXX, XXXX, '' XXXX XXXX XXXX ( XXXX XXXX XXXX  ) ** reaffirms that credit bureaus must conduct a thorough and reasonable investigation into disputes to ensure that reported information is accurate. I demand that you conduct a proper investigation, remove this unverified debt from my credit report, and provide written confirmation of the correction. If you fail to take this matter seriously, I will consider pursuing legal action to enforce my rights under the FCRA and FDCPA. Thank you for your immediate attention to this dispute.
Product: Bank account or service

I had an account open with WellsFargo since XX/XX/XXXX for direct deposit from my employer XXXX XXXX. On or about XXXX XXXX, XXXX both my Credit account were closed and put on collections. 1. Platinum Credit Card account XXXX {$1000.00} and 2. Line of Credit limit {$3000.00}. I had balances on both accounts, but never missed or made late payments. I had inquired bout their closure and was informed that WellsFargo is not obliged to give reason for the closure at their executive office. On XXXX XXXX, XXXX, I had paid both balances to {$0.00}. Yesterday, XXXX XXXX, XXXX, I took my family to a restaurant and attempted to pay for my restuarant bill with wellsfargo debit card, I had a balance of {$760.00} of which {$210.00} cash deposit was made at the branch at XXXX XXXX Est. on XXXX/XXXX/XXXX. Card got declined, I was embarrassed and had to use credit card to pay my bill. 
Today XXXX/XXXX/XXXX, I called the wellsfargo customer service and after so many transfers was informed that the bank had terminated the relationship and funds are frozen for up to 10 business days. I have inquired as to why my account was closed and relationship terminated. No explanation was provided. I had asked for supervisor to intervene and release my funds as I had payments and other bills to pay. They had declined to allow the total funds to be released, and decided to release only {$580.00} out of the {$1000.00} I had in my accounts. Funds that I have earned legally from my employers. I do n't think it is right as a consumer for my funds to be frozen without proper explanation. I have bills to pay and late charges incurred because my funds were frozen would only add to my problems and frustrations. I do n't think any bank institution has the right to freeze consumer funds unless that consumer comes up on OFAC list. Last I have checked I am not on OFAC list, therefore, I do not wish for anyone else to go through what I am going through with WellsFargo and wish to file a complaint and remedy the surcharges incurred by me because of this ordeal.
Product: Credit reporting or other personal consumer reports

Certificate of indebtness- a financial instrument that represents a debt owed by the issuer to the holder. You are a consumer reporting agency, not a revenue agency such as the IRS. Why are you reporting certificates of indebtness to my consumer report which by law is ONLY to contain permissible purposes as outlined in Section 604 or the FCRA. 

These income accounts need to be removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX also known as XXXX XXXX is reporting inaccurate billing information. Im not 30 days late and they havent updated any of my payments since XX/XX/XXXX. They reported 30-60 days late and affected my credit score terribly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments showing up on my credit report and these guys are predatory lenders. Interest paid off the entire loan and 8 years later they are still billing me.
Product: Credit reporting or other personal consumer reports

CFPB, I fill that TRANSINION, XXXX are giving me the run around about the XXXX XXXX XXXX account. Again I've disputed this account XXXX times XXXX XXXX the phone and XXXX on there website both of these companies are interfering with my personal life, and I'm not happy about. CFPB, I did a dispute over the phone with XXXX and they removed the XXXX XXXX XXXX account from my credit report because XXXX, understood losing my job during the XXXX CRISIS wasn't my fault again how could anyone pay bills if they don't have a job. That's what's going on in the world today is judgement and I fill that both companies are judging me, and I see it clearly. CFPB I will upload screenshots of XXXX deleting that XXXX XXXX XXXX ACCOUNT.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Marandi under Section807 ( 1 ) XXXX  XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX is in compliance with XXXX XXXX. I also have report this account to the FTC, and XXXX XXXX XXXXXXXX. I need this collection account to be removed from my credit report XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report I do not recognize
Product: Debt collection

Hi, Im working for XXXX. Regards to my job, I had to go to the doctor to check up my health conditions. On the job, a XXXX did spit on me and its required by XXXX to do exposure test. I have provided everything to the doctors office, but they didnt work on that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account : XXXX XXXX XX/XX/XXXX, Account : XXXX XXXX  XXXX XXXX. XX/XX/XXXX, Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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. 15 U.S.C 1666b A Creditor May not treat a payment on a credit card under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or needs to be deleted. Per FCRA segment 605 you are expected to remove any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND XXXX XXXX.
Product: Debt collection

XXXX XXXX {$530.00} was placed on my credit which was paid by insurance.
Product: Mortgage

PennyMac, my mortgage company, did not pay my hazard insurance policy. After making several calls to inform them that the policy was not being paid, they issued a payment on XX/XX/2022. The payment did not reach the Insurance company on time and my policy was cancelled. I am now responsible for getting a new policy. I would like to file a complaint to recover any and all penalties and fees I must pay to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry from XXXX XXXX  appeared XXXX, called phone number and discovered this was a TransUnion hard credit pull and I have not applied for any credit recently. TransUnion rep filed a dispute, but did not provide a dispute nber or any other info for tracking resolution. Credit score dropped XXXX  points as a result of the hard pull
Product: Credit card or prepaid card

Wells Fargo will not tell me how much is left on a " FUND DO NOT EXPIRE '' Rewards Card that I have. I have attempted to work this out with the company and have gotten no response. 

I request all correspondence be done in writing. This is for the protection of myself and the protection of the financial institution. It seems that everyone would want this to be done in writing and not over any sort of phone call where the parties could lie and everything be a " he said, she said '' deal. 

I request CFPB to handle this information and require everything to be done in writing so we can ensure that the financial institution is in compliance. It seems that by not requiring this to be done in writing the CFPB is simply allowing the company to practice unethically. 

If the CFPB is not going to handle this and simple close out the case without resolving the issue, I will contact the inspector general to investigate and find out why the CFPB is not acting ethically on behalf of a taxpaying customer. I'll also look to contact the XXXX  and the attorney generals office if the CFPB reject to help a customer. Is Wells Fargo paying off the CFPB to silence them and not allow this to be done in writing. What is being hidden to not have everything be done in writing from both sides? It just makes things look more like a scam when this requirement is not met. 

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

Transunion has stop reporting my payments on my XXXX credit card. Which has negatively impacted my score