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

I have tried and tried to get XXXX  to show a Credit Score on their site which shows me my credit card accounts etc. 
I just received an email saying : Hello XXXX, Important information about your FICO Credit Score We wanted to let you know that we couldnt automatically update your FICO Score from XXXX this month based on the data we pulled on XX/XX/2021. If youre planning on applying for credit soon, we have seen members in similar situations generate a FICO Score by ruling out the below items. Do any of them apply to you? 

( I have a credit score on my chase account and also on my XXXX card under XXXX so I don't see how the " Items. Do any of them apply to you? '' would make a bit of difference since I have scores on those sites. ) Now I happen to know they are lying to me due to the following. 
I have a chase bank account and with that account they also give me access to my credit called XXXX XXXX. 
On that XXXX XXXX I have a FICO Score of XXXX and do you know where that FICO score comes from? 
It says it right there on the page : Powered by XXXX! Yes it does! 
So why if XXXX  can allow access to my score on my chase account they won't show it on their site? 
Because they keep offering me, for a monthly fee to give me access to my FICO score. 
They are lying to me and preventing me from obtaining the credit I am trying to get to improve my credit score. ( The one I have on my chase account ) It basically amounts to extortion. Pay us money or we won't list your fico score. 
Creditors go to their site to check my score and not my chase account. 
I am very very upset with them and have called and called and emailed and they just keep lying to me! 
Please Please Please help me to get them to stop lying to me and put my Score on their site. 
Thanks.!
Product: Credit reporting or other personal consumer reports

On XXXX submitted a direct dispute via certified mail to XXXX TRANSUION XXXX XXXX demanding they remove all inquiries and all fraudulent information from my credit report however XXXX XXXX & Transuion did not remove anything in fact they were being bias and keep the information on my credit report after l 've sent in proof of identity proof of residency Now today as of XX/XX/year> they have not removed the inquiries and fraudulent accounts from my credit report in which now I'm filing a federal suit and seeking financial damages and XXXX XXXX XXXX TRANSUION HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE Im attaching my ftc report with the accounts in question also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my address and have been for over XXXX years
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 


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 or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. NAVY FCU Account # XXXX, XXXX, NAVY FCU Account # XXXX, XXXX, XXXX XXXX Account # XXXX # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by NAVY FCU Account # XXXX, XXXX, NAVY FCU Account # XXXX, XXXX, XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App (

Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Carrington failed to post my XXXX payment of {$5000.00} sent via check in mail. Assessed late charge and now will credit report late. The timing of the failure is suspiciously coincidental as there is currently an outstanding request for CFPB investigation for Carrington 's pattern of practice on force placed insurance.

I have over 20+ mortgages over 24 years and have never missed a mortgage payment or lapsed in hazard insurance. Since my mortgage was sold to Carrington, my proof of insurance have mysteriously gone missing ( resulting in very expensive force placed insurance ) and now a payment is missing ( resulting in late fee and derogatory credit report ).

I tried to request credit reporting suppression until this matter is resolved with their customer service. However, Carrington refused. Claiming only way is to send a fax ( my call was recorded, please request from Carrington & listen ) or mail. Why is Carrington offer electronic communications ( such as statements ) when it is cost effective and convenient for Carrington but make dispute submission extremely difficult?

Attached is a copy of letter sent to Carrington for credit dispute for record given the strong track record of Carrington losing customer submissions when it is to the interest of Carrington.
Product: Mortgage

In a process marked by years of unhelpful answers, incorrect, evasive and/or no information provided in response to over forty QWR 's, Requests for Information and Notices of Error to Bayview Loan Services ( BLS ), along with three CFPB complaints, borrower manipulation ( referred to as " customer service '' by bank servicers ) continues in light of the CFPB protections put in place. 

The latest involves a statement in an email ( attached ) received last week from BLS by my housing counselor in response to my application for a short sale on a home my servicer is ( wrongly ) moving to foreclose XX/XX/XXXX. In addition to the taxing make-work that my servicers have regularly required stating they ca n't find, read, etc. whatever might have been submitted, BLS has often played fast and loose with the truth. In the referenced email however, the first of three reasons stated by BLS as a reason for not being able to move forward with the short sale at this time, goes further. It contains a statement that is simply factually untrue. The statement reads as follows : " Pending access by the borrower and receipt of a full interior appraisal // THIS APPOINTMENT WAS CANCELLED BY XXXX XXXX PLEASE PROVIDE NEW CONTACT '' 1. No appointment was ever been made and therefore could not have been cancelled. 
2. The false claim ( 1 ) By calling out the name of my authorized housing counselor when it was not, is both reckless and damaging to XXXX XXXX, potentially compromising both his reputation and position, and ; ( 2 ) now in the file record will be extremely damaging to me in the course of any foreclosure action should it occur, as well as that of any potential litigation I might purse should a wrong foreclosure go forward. 

I 've been fighting a wrongful default since XX/XX/XXXX - first with XXXX XXXX XXXX then subsequently with BLS - throughout which time I 've had to endure unending abuses, humiliations, evasions and as in this case, untruths. All remain in a file that I have consistently been denied the opportunity to review and one that will inevitably be used as a " factual '' record to support not only the latter 's continued bad behavior, but the real potential it will be wrongly rewarded with my home. See Case numbers : XXXX and XXXX. There is one additional complaint I submitted XX/XX/XXXX for which I 'll have to research the case number. 

Inclusive in this complaint is my request the false statement be removed completely from the account record with confirmation it 's been done in writing. Additionally, the last part of the statement referenced makes no sense and need immediate clarification. It reads " PLEASE PROVIDE NEW CONTACT. '' Specifically, what " New Contact '' is BLS requesting, contact for what and why?
Product: Credit card or prepaid card

On or about  XX/XX/XXXX , I received mail from the gas company BP. It looked like replacement credit cards for me and my wife. I have had a BP gasoline card for about 30 years along with cards from a few other gas companies. This card looked a little different in color and I was puzzled by the Visa logo on the from of the card. I looked at my existing BP card and it does not expire until  XX/XX/XXXX  which was more puzzling as to why they sent a card a year in advance. After looking over the material in the envelope I relealized they sent me a general Visa credit card which I did not ask for.
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I called the number on the sticker on the card ( page 1 in the attachment ) and got to an operator who was trying to get me to give her personal information like SSN and phone numbers and I stopped talked to her. I hung up. I pulled one of the cards off of the letter and underneath was a different phone number cleverly hidden under the card ( page 2 in the attachment ). I again got a person trying to get personal information from me. I insisted on speaking to a supervisor and was transferred to a gentleman several minutes later. Upon pressing him about what I received and why. He told me that BP sent out a credit card offer with a OPT-OUT provision. This was incredible. I told him I get a ton of credit card offers in the mail and routinely shred them to protect my credit and never heard of this. I explained how upset I was at this deception and got very little support from him. I told him this was fraud and the credit card could have gotten into the wrong hands and since I was not expecting this it could have created a big problem.
Product: Prepaid card

I received in the mail what is my " CALIFORNIA MIDDLE CLASS TAX REFUND CARD ''. Looking to transfer the money directly into my XXXX XXXX ACCOUNT, I went directly to my XXXX BRANCH and turned it to the teller for this reason. She asked me to call the number in the card, XXXX, to activate the card and set up a PIN number as it happens with any other card. Called this number which is affixed via sticker to the new card as sent, called from within the bank branch, but a recording would say " this card could not be activated ''. Turned the card to the manager at this branch who tried himself to no avail. They were surprised it could not be activated. They ( bank staff ) called the card issuing business, " MONEY NETWORK '' but nobody would answer. The manager at XXXX XXXX gave me in writing these following information so that I could contact them and clear the issue ... " MONEY NETWORK CUSTOMER SERVICE XXXX '' as well as the e address : account.money network.com I tried calling this number as shown to no avail and also tried the online address and email account to no avail. On XX/XX/23 I called again and finally there was a response, although automated, and the recording offered amongst options the cancellation of the card in lieu of a new one, selection I requested, the cancellation of the card issued and sent to me, the card I had on hand which is not working, and the issuance of a new card. It is today Sunday XXXX the XXXX and so far, no response nor new card nor any kind of communication or remedy coming in from this company, MONEY NETWORK. I have in my possession the card in question with the affixed sticker prompting the user to call XXXX in order to activate the card and set a PIN number, as well as the letter with which the card was sent over the mail. As I understand I already paid taxes or taxes are to be levied on me for this CA middle class tax refund card, but MONEY NETWORK never allowed me to collect this money, which appears to be outright fraud on their part.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was a victim of auto theft. Inside the vehicle was my purse/wallet with my drivers license, money, credit cards, cell phone and other valuables. The thief used my credit cards, bank cards, opened accounts in my name. I tried over and over to resolve the matter as quickly as possible, but since my phone was also in the vehicle I had to call my credit companies from a friends phone and they could not verify me, treated me more like the criminal than the victim. I was able to put a freeze on my XXXX file in XX/XX/XXXX, which only lasted a total of XXXX year. I also filed a police report on the night of the mishap ( XXXX XXXX ). XXXX overwhelmed with losing my vehicle, unable to work and trying to get the creditors to help me shut down the accounts I was unsuccessful and I went into a deep XXXX. Thinking that it would all just go away. But unfortunately it did not go away. During the pandemic I was living with someone who provided all bills so I never thought to check my credit and I never thought someone would be so evil to continue to use my identity until recently XX/XX/XXXX I decided to pull my credit ( about to start a non-profit business ) and noticed all the things on my credit that I did not do were still there and extra items. I reached out to the local police department asking if they still had a copy of my report from XXXX. They submitted to me and I submitted it to ALL XXXX credit Bureaus, XXXX XXXX department reached out to me and offered a 7 year fraud alert on my account. Some of the items were removed, but I am still having complications with creditors removing information I have asked over and over in XXXX and XXXX. And not only are they not removing the reports they are reporting inaccurately saying the accounts were 120 days late for 3 months or they are reporting on one Bureau the accounts are closed and paid and on other Bureaus the are reporting the same account as a charge off. And using a different name reporting 2 times same information on my report. Another company removed the information from one Bureau but reopened it on another Bureau. I am tired of going in circles with these people its been XXXX  years already. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 my account was compromised with an electronic withdraw of {$390.00} that I did not authorize. I reported the transaction immediately at the XXXX, PA branch and closed the account. I was told that I should be reimbursed for the funds that were taken from my account within 6-8 weeks, it is going on 10 weeks and I have not received my funds back ; the claim is still pending and I feel like I'm getting the run around when I talk to the bank. 

I was mailed out an affidavit to sign and notarize more than a month after the claim was opened ; I have since found out this should have been given to me to me the day XXXX filed the claim or shortly thereafter. I'm certain this would be cleared up by now if the proper steps were taken. 

I have most of my bills paid through automatic withdraw from my creditors and there were a few that were pending, I left money in the account to cover the withdraws for my credit cards. However, there were 2 payments that I was not able to stop, the bank made the payment which overdrew my account. I specifically asked the person that was assisting me with this issue if payments couldn't be stopped and the account became in the negative how that would be handled. She told me that it would be alright, that when the {$390.00} was put back into the account it would cover any overdraw of the account. In the meantime I requested a provision fund deposit ( which I was told could be done ) of the {$390.00} into my account until the claim was settled to cover the negative balance of {$140.00}, this was approved which I have a voicemail stating so. The provisional funds were not deposited and now the bank has charged off the account. I feel that Citizens bank did not do their due diligence in handling my fraud claim starting with not giving me the paperwork that needed to be completed in a timely manner, then by charging off an account that is in a fraud claim status through no fault of my own. 

I have attached a copy of the fraudulent check that Citizens bank paid. The address on the check is not my address, I do not even know where this address is.
Product: Credit reporting or other personal consumer reports

Experian I finally reached XXXX credit score It dropped XXXX points for no reason and I can get no explanation other than an AI conversation with experience. I've worked very very hard to get a good score and check it daily. 
I want experience to return me to an XXXX Plus Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice multiple late payments on my department of education, XXXX student loan account. I have been a XXXX XXXX XXXX at XXXX And XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX I AM CONTINUOUSLY HAVING ISSUES WITH EQUIFAX 'S FALSE REPORTING. 
DURING XXXX THEY DEDUCTED 9 POINTS FROM MY CREDIT SCORE BECAUSE THEY FABRICATED A ACCOUNT REMOVAL FROM MY XXXX  ACCOUNT. 
THEY STATED THAT MY AUTO ACCOUNT WAS REMOVED FROM XXXX XXXX. IT HASN'T. 
I BELIEVE THAT THE MANY PAST MONTHS OF INCONSISTENT REPORTING IS THE RESULT OF TAMPERING FROM EMPLOYEES WHO ARE WORKING WITH OUTSIDE ORGANIZATIONS AND AIDING MEMBERS FROM SPECIFIC LODGES FOR REQUESTED RETALIATION THIS TAMPERING WITH MY ACOUNT SUCH AS CHANGING MY BIRTH DATE, MY SSN NUMBER. INSERTING FRAUDULENT INFORMATION IS CONSTANT
Product: Debt collection

I received several calls to my cell phone and home phone as wells calls to my parents and brothers trying to collect a debt for a company named  XXXX   XXXX  that I do not know. I explained to her that I do not know this company nor I am aware of any commercial transaction between that company and her client. But she did not accepted my explanation and keep harassing me and my family threatening me verbally and unjustly for a claim that I have no idea about it
Product: Mortgage

On XX/XX/XXXX, America Service Company ( ASC ) which is owned by Wells Fargo Bank N/A stated that Wells Fargo in the investor of the loan dated XX/XX/XXXX, loan # XXXX. Now, per a letter that we received form ASC on XX/XX/XXXX, dated XX/XX/XXXX, ASC stated ; " resolution to the inquiry about account number XXXX, based on our research, we 've determined your account was handled appropriate and no adjustments are needed ''. ASC further stated " that we can confirm that your account originated in XXXX XXXX with XXXX. The loan was paid in full on XX/XX/XXXX ''. Now ; how can ASC/Wells Fargo state that our account was handled appropriately when XX/XX/XXXX, this note was paid off but ASC/Wells Fargo failed to reflect that this note was paid in full and that Wells Fargo is not the investor? ASC/Wells Fargo stated in a previous letter that they are the current investors of our loan when in fact, they are not the current investors. So, was ASC/Wells Fargo trying to commit fraud and collect payments on this loan when they are not the current investor?
Product: Credit reporting or other personal consumer reports

I recently review my credit report and notice an account that was not reporting accurately. I have 1 late payment on an account that I in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments, please find an attached copy of my report to this compliant on the following dates XXXX XXXX. I am requesting that an investigation be conducted and verifiable proof with records showing that I had late payments provided. If this information can not be verified, I demand these payments be updated to paid on time, immediately. Thank you in advance for your understanding and prompt action.
Product: Student loan

My private student loan from XXXX University XXXX XXXX XXXX was serviced by XXXX for over 10 years. It was recently was sold to XXXX and now XXXX XXXX. I noticed that when the servicing was transferred my student loan payments began increasing despite making on time payments for 10 plus years. The principal balance is about $ 60K. I went from paying ~ {$700.00} per month to now, I looked at my XXXX account and the monthly balance due is now {$800.00}. I have noticed that the interest rate keeps climbing significantly and I am not sure why. When XXXX serviced my account the interest rate did not fluctuate and if it did, it was very minor. Now every month, I am asked to pay more and more despite the fact that the principal balance is shrinking. I want to know why all of sudden the interest rate is fluctuating so much. Is there a limit to how much interest can be charged? Also, XXXX has not uploaded my 10 plus years of payment history to my account. There are no records in this regard. 

I would like my payment history added to my account and an explanation as to why my interest rate keeps climbing. The interest rate is now 5.77 % and when XXXX serviced the loan, it was under 5 %, probably around 3-4 %. I would also like my due date extended giving these outstanding issues. I have been paying my student loans for over 10 years ( on time! ) and since XXXX took over and now XXXX my payments are increasing rather than decreasing. I find this very suspect. There is also no pay off statement which I thought was required by law. Please investigate. I have also lodged my complaint with XXXX.
Product: Credit card or prepaid card

I had a credit card with them for the longest time. When I tried to use my card end of last year, I had all sorts of issues. They kept declining my transactions. I'd call in then it would get cleared. I wasted so much time with this. I probably went through 5-6 times on this. Finally, this issue seems to be resolved but I had alot of issues with it. I feel fair compensation is in order. 

Also, when I used my rewards, I had to cancel XXXX nights. The hotel manager promised me that my rewards will be reissued but I have no gotten those reissued yet. They were XXXX pts per night at a hotel in XXXX XXXX, XXXX. I booked XXXX nights but had to cancel XXXX nights.