23daVinci/CFPB_Complaints huggingface dataset:
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. 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 590. 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 XXXX 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 depression 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 XXXX XXXX  now.with no help.
Product: Bank account or service

There are authorizations made on a debit card but takes several days to post on to a checking account. While the authorizations are made, there are no funds being held out of the checking account. This causes a situation where there can be literally hundreds of dollars in overdraft and returned item feeds. I have received over XXXX in overdraft and returned item fees in the past month and half. I 'm working two weeks and I have no funds after my direct deposit because of fees. A {$35.00} overdraft fee for a {$1.00} charge is excessive
Product: Checking or savings account

In XXXX of this year I received notice from chase bank that they were closing down all my bank accounts and credit cards. I reached out multiple times to them, both in person and over the phone and nobody was able to give me a reason for the shutdown.
Product: Debt collection

1 ) Dentist performed and completed dental work without authorization of insurance. Dentist offered me bridge and ssid it was covered after it was done insurance denied it due to previous tooth missing. Dental then charging me for full cost. Insuance advised me not to pay since dentist did not receive authorization prior to work. Had I known it was not covered by insurance I woul have had a single crown which would have been covered. 
2 ) Went to dentist to re glue a crown and covering dentist filed crown and exposed metal on different areas then glued back on. I then went to my regular dentist and told her she lied to me and ssid that was just normal wear and tear! No it is not it was obvious of filing. Besides whennI went in crown was intact and notice at home it was exposing areas of metal! Terrible services and no honesty! Very unsatisfied! Poor communication
Product: Mortgage

TD Bank 's XXXX loan department is employing unethical and possibly illegal " bait and switch '' sales tactics. The CFPB is hereby requested to investigate this bank 's operating techniques. 
Background : I applied for a home equity loan with the merchant o n XX/XX/2016 and after their check of my credit score and income received confirmation of the rate and amount promised by the TD sales rep initially. The TD loan processor then informed me on approx XX/XX/2016 that the bank was significantly increasing their offer interest rate and decreasing the loan amount based on, they claim, an appraisal. Their appraisal value is dramatically lower than one I had done just a few years ago and during the depths of the great recession, which does n't make any sense as property values around here have only increased since then. I have had other appraisals done over the years from previous refinances that reinforce my understanding of the property value. XXXX down with the TD loan processor reveals their appraisal uses some kind of hokey internet-based estimate and the TD underwriting department has refused to go by the traditional, more accurate, industry respected comparable sales appraisal. TD has obviously implemented a scheme to defraud consumers by using a low-ball fake property valuation methodology.
Product: Debt collection

THIS COMPANY NEVER CONTACTED ME!!!! During my weekly credit score check, I noted my credit score dropped 67 points. Midwest Recovery Systems placed collection/negative account on my credit report. I've never heard of Midwest Recovery Systems. This same debt was attempted to be collected from XXXX XXXX and XXXX XXXX who ceased attempt to collect after being sent debt validation letter. I never received any call or letter from Midwest Recovery Systems. When I called, they stated they did not have any documentation to validate this debt. Stated they would reach out to original company for documentation and mail them to me once they receive them. So they violated FDCPA and have not verified this debt. I am simply named as the responsible party I was told. Representative at Midwest Recovery Systems stated this was for a visit to ER on XX/XX/XXXX. The last time I received services from a hospital was in XXXX. I was not at this facility on XX/XX/XXXX. I was at work. If I did need treatment, the facility they say I owe would be the last place I would go. I need this removed from my credit report ASAP. I have been working to repair my credit for the last five years and it was very good until this was reported without validation.
Product: Checking or savings account

Apparently the Citizens Business Bank ATM in XXXX CA has a known problem. The parts of the machine that dispense cash after making a withdrawal from one 's account do not work. It withdraws the money but doesn't dispense. It displays the error message that it is unable to complete the transaction, but still withdraws the funds as if they were dispensed. The bank is aware but won't attempt to make users aware of the defect. Per bank employee XXXX XXXX one must " file a dispute '' with the card issuer, as they are either unwilling or unable to assist.
Product: Checking or savings account

I disputed a transaction I made online using my B of A Debit XXXX. The date of the transaction was XX/XX/2021 in the amount of {$1600.00}. The name of the company is called XXXX XXXX. They have accepted the chargeback twice now and as of today it has been 3 months that B of A still hasnt processed this claim and retuned my money back to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't dispute on my XXXX  will not let me start an dispute XXXX  will only let me dispute one item equifax i can never get into my online account I paying money to all 3 companys
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash App ( Block , Inc ) due to an adequate customer service and unfair practices, which violate the consumer financial protection act. ( CFPA ) specifically Cash App failed to take timely and effective manners to address or prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they are dispute resolution process it was unfair and deceptive as they did not comply with air resolution requirements under the electric funds transfer act. ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I received an offer in the mail for a loan which I accepted. I went to the company 's website, Cashnetusa, and completed the application. I was approved for a loan of {$1200.00}. I received this amount on XX/XX/19. My first payment, XX/XX/19, was for {$320.00}, which I paid. 
My second payment, due XX/XX/19, is for {$470.00}. This is ridiculous. That is {$150.00} more than it should be. Also, my current balance is {$1500.00}. This is the exact opposite of what should be occurring. NONE of my payment was applied to my loan. My scheduled payment is {$150.00} more than the first payment I made. This is horrible, I in no way was prepared for a {$470.00} payment. 
I called CashnetUSA and was told by a representative that " the second payment is always higher, and the third payment will go down ''! This is convoluted and defies explanation. 
Would you please look into this? No one would take out a loan under these circumstances if this were anything a reasonable person would expect.
Product: Mortgage

We were paying 1 month behind and Nationstar reversed our payment for XXXX ( XXXX ). At that point our account was 60 days past due. I contacted XXXX at Nationstar to inquire why the payment was reversed and was told the account was too past due, and that a demand letter had been sent. XXXX told me at this point I can't just make my monthly payment of {$1700.00}, and my only choices are to pay {$5400.00} or apply for loan assistance. I applied and a acceptance letter was generated with repayment amount that far exceeded the past due amount, late charges, and fees. I had a representative for XXXX XXXX conference call my lender to discuss the teams of the forbearance or assistance. We spoke with XXXX who stated the issues we had with the terms would be escalated to a manger and reviewed. I was told that since my application was accepted before it would be accepted after the terms have been reviewed. My 3rd party representative reached out to Nationstar on XXXX and was told the forbearance is still under review. I also check my online account regularly and it showed forbearance is in review process and 1st payment of repayment would be due XXXX. Today XXXX My 3rd party representative conta ted me stating she could not reach XXXX, but the Nation star rep she spoke to said everything had been denied. And the forbearance that was approved is now denied. And that My home is in foreclosure. My online account will still not allow me to make a payment. And when I call in the rep all gi e different information. I have not received proper servicing of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several disputes about these inquiries I never authorized. 
these inquiries are Fraudulent on my report. I'm a victim of their inquiries issues. 

XXXX XXXX XXXX XXXX XXXX/ XXXX XX/XX/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 or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 


XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXInquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX , XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, EQUIFAX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, EQUIFAX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to verify this debt because I do not owe this debt. According to NCB Management, the amount of said debt is {$7700.00}. NCB supposedly verified the debt with the credit bureaus but this is fraudulent because I do not owe this debt. I tried to dispute this debt with the credit bureaus again last week but I was told that I was not allowed to do so because this debt had already been verified. This has been on my credit report for years. According to the XXXX  XXXX of the Attorney General, XXXX was involved in a Class Action Law Suit. This account should have been deleted. 

The original creditor was XXXX and NCB Management said this account was sold to them. They are fraudulently trying to collect money from me and have placed a collection on all 3 credit bureaus. XXXX sold the vehicle and sent me a refund check for the overage. It's impossible for me to owe NCB Management any money. I am requesting that this collection report be deleted immediately from all XXXX credit bureaus. Also, they are in violation of FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently turned 18 and wanted to set up credit monitoring to access my credit report and score using Equifax free product. Upon signing up, Equifax wanted to do an additional verification by sending me a letter by U.S. mail with a PIN to verify my identity. i had already uploaded my valid government issued id when i initially tried to register for an Equifax consumer account. After i received the verification letter by mail, i entered the PIN to my Equifax account. It showed accepted and validated, and i received a welcome email that i successfully established my account with Equifax. However, whenever i tried to log in to my Equifax account, it will not let me log in and gives me an error message. ... '' We are temporarily unable to complete this request. 
Please try again later ''. 

i contacted Equifax customer support for assistance, and Equifax refuses to respond or communicate with me. The problem persists, and i am unable to access my Equifax account. 

Equifax is denying me access to my credit report in violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company promised me that they would get back to me within a month or 45 days but it seems like it taking longer and i'm getting no update ... has anybody out there had an issues with well fargo???? i went on XXXX and it seems like this company is trying to tear everyone down this is what they told me ... 

" Subject : Response to the recent inquiry Application number ending in XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX We certainly understand that our customers do not want to be to financially responsible for goods or services from which they do not believe they received benefit. We confirm our Fraud Department opened a claim on XX/XX/2018, for two charges to XXXX XXXX, one in the amount of {$83.00}, and the second one for {$84.00}. We confirm both of these charges were accepted by our Fraud Department on XX/XX/2018, for the total amount of {$160.00}. 
Our records show there was no claim submitted for the following charges that took place on XX/XX/2018, XXXX XXXX XXXX XXXX for the amount of {$200.00} XXXX XXXX XXXX XXXX for the amount of {$22.00} '' how much longer will this take???
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed, and several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15, USC, 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. I have no connection to these accounts, and urgently request their immediate removal to prevent any further harm to my financial work. Well, being.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned.

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report. 

You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. 

I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. 

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This is a notice. 

Thank you for your time,
Product: Money transfer, virtual currency, or money service

I am filing a complaint about 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion, XXXX, and XXXX several times regarding unauthorized credit accounts, incorrect information, and unauthorized Credit Inquiries in all my 3 Credit Reports. I 've been given the run around with all 3 Transunion, XXXX, and XXXX, and their workers/Supervisors. I reached out also directly to the companies who 's information is listed in my Credit Report. They have me on hold for hours at a time trying to get this resolved. Then im being forwarded again back to the Credit Bureau to resolve the issue. They have a total of 3-6 fraudulent accounts in my report and 15 unauthorized & fraudulent inquiries in my report. I had place a credit fraud alert on my credit reports. And it was apparently useless. Because I was never notified by the Bureaus of these unauthorized accounts and/or inquiries being initiated and opened up in my Reports. Transunion also had a computer glitch. Which they inserted and reinserted these inquiries in my report. Again, I was never notified about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

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

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

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

I have not been a customer of XXXX XXXX XXXX since XXXX and this debt posted on my credit report in XXXX. I have no knowledge of this debt, have not received any communications from XXXX XXXX XXXX nor the collection agency, and, to my knowledge, closed my account with XXXX XXXX XXXX without any outstanding bills. If this is an accurate debt owed, I am not even aware of how to pay the debt as no communications have been sent to me.