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

I Sent Transunion several notices from US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX for immediatate removal of an account they are reporting on me twice. One account is in good standing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not under dispute. 

Per the XXXX XXXX XXXX XXXX I gave Transunion the letter which states that my student loans have been transferred to a new loan servicer XXXX XXXX XXXX Until now, these loans have been serviced by the US Department of Educations XXXX XXXX XXXX, which services defaulted federal student loans ( XXXX is servicer loan was with when it went into default ). But because I have rehabilitated these loans, this letter serves as notification to the national credit bureaus to delete the record of default from your credit record ( DELETE XXXX ). Furthermore, you are again eligible for all of the benefits associated with the rehabilitated loans before default ( XXXX XXXX XXXX XXXX shows that Transuinon is reporting : 90 day late student loan, which should have been deleted upon rehabilitation ). Any question contact US Departement of Educations XXXX XXXX XXXX XXXX XXXXXXXX. 

The account that is in dispute is in a negative standing, Date Account Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX For the same US Department Of Education Student loan debt, thats exactly the reason why they have same Account Open dates XXXX XXXX XXXX XXXX XXXX XXXX 

The Negative Account Needs To Be Deleted IMMEDIATALY. Transunion says they will continue to update closed negative account for the next XXXX XXXX, along with positive account in good standing hurting my credit score negatively. XXXX and XXXX have Deleted XXXX XXXX XXXX XXXX XXXX  once I notified them of this clerical error which impacted my credit score negatively. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, I may be able to sue in state or federal court. I have the right to file an action to enforce an obligation of a consumer reporting agency to you under this chapter in any court as provided by the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), as amended, or, if agreed to by both parties, the action may be submitted to binding arbitration after the you have followed all dispute procedures in Section 20.06 of the XXXX Business and Commercial Code and have received the notice specified in Section XXXX XXXX XXXX  ) in the manner provided by the rules of the XXXX XXXX XXXX. Transunion is not in compliance reporting on the same debt twice this is illegal.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX XXXX I requested a wire transfer for the closing of my house. It has been over XXXX now and nobody has transferred my funds. Been on hold over XXXX hours and I've received no update and just put on hold.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

i already have a reverse mortgage and within the last 5 years married a wonderful woman and wanted to refinance the original mortgage to get my wife on rhe mortgage.what started out as a simple act became very difficult.after i paid {$120.00} to have a counselling session done i was told that i was in trouble with the refi because of some recent credit card problems of mine.they demanded medical records from me for a vehicle accident i had in 2016 that has caused my credit card problems now.i refused to give them any medical records and believe that to be a illegal request, they asked other questions about some timeshares i have when they they have no bearing on this mortgage.for the original reverse mortgage i have dutifully paid the taxes every year as well as up keep as well as house insurance without missing a beat.as i read reverse mortgage that is all that is needed.i will not jump thru any hoops that the laws says i do not have to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX & XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXXXXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF EDXXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF EDXXXXXXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problem with a collection agency so I am hoping you will be able to help me with this matter. I received a notice from Receivables Performance Management. So I called them asking for a validation of debt, the representative informed me they don't have a validation of debt they just have " notes '' so they cant mail anything. How is the possible? How can they try to charge me and report on my credit if they dont even know who the debt is for? It a simple request if they are on the up & up about things but it seems to me they are just trying to get money from people with no leg to stand on. I will not pay anything until I get a validation of debt from them. I would be crazy just to send money just because someone is sayin I owe them but cant prove the debt. All im asking for is proof of the debt so I can settle if I need to. If they cant prove the debt then it need to be remove from all my reports
Product: Credit reporting or other personal consumer reports

I have an account reporting on my credit files that 1. ) isnt my name only my social security number. 2. ) the address used to open the account has never been my address. 3. ) the phone number used to open the account is not mine 4. ) the pre-approval used to open this account was sent to the fraud address not my home address. 5. ) the card was mailed to the fraud address not my home address 6. ) the payments made on account were not from my bank account.

I have provided them with the police report, FTC report, Driver 's license showing my address and my name. Social Security card showing my name not the one on the account. I have provided a 3 year residence history showing I have never lived at that address. I have provided proof of my phone number that is not on the account. I have provided the Police report of fraud, an affidavit, FTC report as well.

These idiots sent me statements showing the fraud address, the incorrect name. Nothing matches me. Then they say this is your account and we hold you responsible. There is NO proof this is my account. It wont hold up in a court of law. I will be forced to sue for damages to my FICO score, and my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company that I am a victim of identity theft, and requested that you do the following : - Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX  is still reporting this fraudulent information to my XXXX and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

1
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$27000.00}
Product: Consumer Loan

XXXX 2014, my spouse passed. He had a open auto loan with Chrysler Capital. Upon his passing, I submitted the payoff amount, his death certificate and other documentation for their records and requested any overpayment be refunded to me. The payment received exceeded the balance owed. A check was issued back to my husband in which I could not deposit or cash. I 've had constant contact with Chrysler Capital for a year with hopes they would refund me the overpayment. They will not comply. They told me they can only refund the money to my deceased spouse or I need to obtain an executor of estate order. I 've spoken with legal counsel and was told due to the amount, a non-judicial affidavit would suffice or take them to small claims court and sue them for more than they owe for the extra heartache they are causing. The amount owed is {$320.00} which is n't worth court cost and proceedings to become executor. I 'm a widow just seeking what is owed to me. I did not have to close the account, I could have allowed the car to be returned as a repossession. Chrysler Capital does not value their customers.
Product: Consumer Loan

Midwest Acceptance Corporation is trying to recharge me for a car loan that has already been paid off. I appeared in court twice specking with Midwest Acceptance Attorney 's and showed proof that the car loan was paid off and I no longer owe them. However, I have another court date about this matter on XXXX XXXX, XXXX. Enclosed is a copy and proof that Midwest Acceptance Corp. no longer has a Lien on the XXXX Ford. Here we see that the names on the acceptance letter. They noted that the interest on the XXXX Ford was satisfied as of XXXX/XXXX/XXXX they also released us the title.
Product: Debt collection

I dont owe Professional debt money i have never done business with them, Im unaware of this company, the address of XXXX XXXX XXXX is a accommodation i paid in full some of the transactions were done in cash and the office manager told me to find someone in my place so that i dont owe anything and i did that.please remove this XXXX XXXX XXXX XXXX XXXX XXXX  all Credit bureau accounts.Thank you
Product: Money transfer, virtual currency, or money service

I am filling complaint against Cash app ( block , inc ) due to inadequate customer service & unfair practices, which violates the consumer financial protection act ( cfpa ). Cash App failed to take timely & effective measures to prevent & address fraud on their platform. Leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card balance reported for XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off Wells Fargo account by transferring account to different lender on XX/XX/2021. My Wells Fargo account ( XXXX ) is non existent when I try to reach Wells Fargo by email or on-line but remains open in credit inquiry by transunion and one other. I would like loan balance removed from my credit scores. I switched lenders due to Wells Fargo poor business practices.
Product: Debt collection

On XX/XX/2018 I submitted a letter to Diversified Consultants ( Creditor ) concerning an listing in my XXXX Credit Report. I asked them to submit Validation information on a debt they reported. I wanted to make sure they were authorized to collect the debt. On XX/XX/2018 I submitted a second letter requesting again information ( Provide verification that the collection agency is licensed to collect in my state and Provide their license numbers and registered agent ).
Product: Debt collection

FOUND ITEM IN MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND DILLIGENTLY DISPUTED FOR MORE THAN SIX MONTHS TO WHICH THEY RESPONDED VERIFIED, I SIMPLY ASK FOR DELETION
Product: Mortgage

Back in XXXX when I first purchased my current home, I had a 5 year ARM XXXX and XXXX XXXX. After the interest rates came down, I refinanced the fist loan in XXXX to a conventional 30 year loan at 5.153 % interest per the TILA attached. The payment was supposed to be {$2100.00} for 84 months beginning on XXXX/XXXX/XXXX and then subsequent payments of $ {$2000.00} for 276 months starting on XXXX/XXXX/XXXX. Bank of America is the bank behind this. Despite several requests to Bank of America to refinance the XXXX adjustable rate loan, my requests to refinance both loans into XXXX have gone ignored. Nobody at Bank of America has been willing to go to their investor and agree to refinance the loan. 

Now, working on my taxes for the year I decided to look at my TILA from XXXX and my current mortgage statement and as can be seen the payment is {$2100.00} which is nowhere near the {$2000.00} that I was supposed to have started paying back in XXXX of XXXX. Moreover doing a straight amortization, my balance should be {$320000.00} instead of the {$340000.00} balance shown on my XXXX XXXX, XXXX statement that I have also attached. So, essentially, there is {$17000.00} unaccounted for. And, upon questioning Bank of American to explain themselves for this discrepancy, again, my phone call hve gone unanswered and thus the reason I am coming to you for some assistance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and completeness of information contained in my credit report due to being a victim of a data breach. I am requesting the immediate deletion and blocking of the following fraudulent account, as it was not opened by me : XXXX XXXX XXXX  - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : {$660.00} Furthermore, I request the removal of the following unauthorized inquiries made on my credit report : XXXX - Inquiry Date XXXX XXXX - Inquiry Date : XXXX XXXX - Inquiry Date : XXXX XXXX  XXXX - Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

We received a letter saying our account was missing important information and if we didn't get in touch by XX/XX/19 it would be closed. We called the number on the letter and were told they couldn't tell us what the problem was and we had to go into our branch. We contacted our branch manager who also couldn't give us a clear answer. We then asked when the account would be closed and our bank manager couldn't tell us. We called, went into the branch and spoke to her, and also called the number on the letter again and spoke to a supervisor. No-one is able to tell us when our account will be closed only that it will be closed. Now our debit cards have been blocked and we can't access online banking.
Product: Checking or savings account

On XX/XX/XXXX I went into a Truist branch to close my Suntrust account after being locked out of my debit card while out of town. At first the teller was super nice and helpful until I handed over my Suntrust debit card and she rolled her eyes and refused to withdrawal all money available and close my account because I may have pending charges coming through. I withdrew the amount she would allow me and she told me to expect to be charged. I just want wants left in my account so I can fully move on to another financial institution.
Product: Debt collection

THIS IS FINAL NOTICE FROM ME! 

I want to complain about false statement of debt, reported by Enhanced Recovery Company , LLC ( ERC. ) I complained already with same issue and finally verified the debt ( reported by ERC ) that it is not mine. I received the XXXX bill from ERC on XX/XX/XXXX and I verified that the debt was not mine. The name on the bill was not my name, the address on the bill was not my address ( never lived there ) and NOTHING WAS MINE! But ERC reported the debt to my credit report for a long time and my credit has been messed up, this is absolutely not acceptable and must be corrected and compensated ASAP. I attached the bill from ERC here and other support documents for your reference. See the attached files. Again, my name is not XXXX XXXX and I never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX and I lived in XXXX XXXX in XX/XX/XXXX which showed billing period. 

Since the debt does not belong to me, I requested to ERC to get rid of it ASAP, but I have not heard/received anything from ERC. So, this is my final notice to ERC to get rid of the false debt from all XXXX credit bureaus right now and send me the confirmation letter by mail to the address ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) in XXXX business days from now. If I do n't here anything from you, I will absolutely bring a lawsuit right away.
Product: Checking or savings account

Jp Morgan charged account after several disputes for missing items from XXXX XXXX thru XXXX XXXX. Attached to account. Chase blocked XXXX from taking fund XX/XX/2022 but overdraft account after submitting proof of complaint in XX/XX/2022 upon last payment. XXXX never replaced or refunded XXXX for missing items or me. Jp Morgan has a bad problem with ghost transaction all the way down to the smallest dollar amount. JP MORGAN like to hold fund and charge accounts according to deposits being made.Holding large funds causing withdrawal fees it's sickening!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a personal loan from XXXX in XXXX. The first payment was deducted from my bank account automatically. I intentionally made a second payment thinking I was paying ahead. I made this extra payment because I was in the process of relocating to another state. Therefore, I didnt want my payment for the following month to be late since I was also starting new employment. When XXXX called me the next month saying my payment was due, I asked the representative to check my account and see I made an extra payment on my account. She said she could see the extra payment but I still owed for the new month. The company began to harass me over the payment. 
I have since paid XXXX towards the balance which is approximately XXXX. But I received notification from a credit reporting agency that my credit report has a 30 day late which has impacted my credit report causing my score to drop XXXX points. Prior to this incident, I had a perfect payment status. 
I called Prosper an spoke to a supervisor. She informed me there was nothing she could do even though she verified I made the extra payment in advance.