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

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I do not believe this inquiry was authorized on this date. Please remove it from my credit report XXXX XXXX XXXXXX/XX/year> - I do not believe this inquiry was authorized on this date. Please remove it from my credit report XXXX XXXX XXXXXX/XX/year> - I do not believe this inquiry was authorized on this date. Please remove it from my credit report XXXX XXXX XXXXXX/XX/year> - I do not believe this inquiry was authorized on this date. Please remove it from my credit 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 process is 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: Money transfer, virtual currency, or money service

A customer of Truist Bank accidentally send me money via XXXX. He typed the incorrect email address. Rather than contact me- the customer contacted his bank. Despite the customer telling the bank that the mistake was his, the bank reported the transaction as fraudulent on my part and attempted to recover the money through a dispute they filed claiming fraud rather than simply reaching out to me to request the money back. I had no way to return the money without them contacting me as I had no information on how to reach the person who transferred it. 

As a result of Truist 's false reporting, my access to XXXX was completely cut off now resulting in my inability to return the money through XXXX and making it risky to return it outside of XXXX as they refuse to guarantee me that the transaction wouldn't be reversed down the road if I were to return the money in another way leaving me in an impossible position. 

Trusit 's claim of fraud on their part was defamatory and has caused me damages by causing me to lose access to a financial tool and place myself at risk of either a lawsuit or fraud. 

I have attached the details of transaction which the sender sent me when he finally reached out directed a month after the transaction as well as the letter from his bank which shows the claim number they opened.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Original Creditor : XXXX  The account labeled as XXXX  with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report.
Product: Mortgage

I have a mortgage with Bank of America. I am currently on a forbearance due to pandemic hardships. I applied for a loan modification. During the process several documents were lost, my case was mixed up with another customer who was under bankruptcy. Several critical errors were made including miscalculation of my monthly income. My modification was eventually denied on XX/XX/XXXX due to my monthly income being too low. Bank of America states my income is {$4000.00}. This is NOT my monthly income. It is substantially higher and I have submitted required proof of this to B of A. B of A is refusing to provide any documentation of how they determined or arrived at this figure. B of A is refusing to provide verbal confirmation of how they arrived at this figure. I appealed the decision on XX/XX/2021 within the required timeframe to do so. Bank of America did not once call me to verify if the documents on file for my income were correct. Bank of America did not verbally or in writing request any type of resubmission of documents to substantiate that my income is in fact higher than what is currently being calculated by B of A. On XX/XX/2021, B of A denied my appeal by only stating that my income of {$4000.00} is too low to qualify for a loan modification. But again, that is not my monthly income and I can prove it and have done so. There must be transparency in this procedure. B of A could be selectively choosing which income documents the use to yield a lower monthly income and deny me. Bank of America could be missing critical income documents that show my full monthly income since there is more than one source of income. Again without transparency, I dont know and my right to seek a modification and adequately represent myself is being violated. Also without transparency and full disclosure on the part of Bank of America or any bank, it opens the door for fraudulent denials. No corporation should be allowed to act without merit at anytime but more so should be held to even higher standards during a pandemic.
Product: Credit card

I applied for the American Express Card XXXX XXXX 2015 and was promptly Denied the same day. I received there written response on XXXX XXXX 2015, and promptly called the American Express call center to ask them why i was denied there response was i had a verity of negative factors? including a ( XXXX ) fico Score. i believe that this is the result of the color of my skin, being Black and ( RED LINING BY ZIP CODE ) It ca n't be because of my credit rating i have qualified for Credit Cards at XXXX and XXXX XXXX Bank XXXX and XXXX XXXX Bank XXXX 's, look i would be quiet and not make a case if they were n't so disingenuous in there decision process, I make decent money so my question again, is are they back to RED LINING in there process of determining credit worthiness? as they have been known to do this in the past to XXXX applicants ...
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX # XXXX ( DELETE! ) Dear Transunion and CFPB, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights 15 USC 1692e 807 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; 15 U.S. Code 1681 - ( 1 ). The banking system is dependent upon fair and accurate credit reporting.

Under 15 U.S.C. 1681i ( 5 ) states,. Removal of inaccurate/invalidated credit information Under 15 U.S.C. 1681 section 602 states,. I have a right to privacy.

Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction..

Under 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX  stop reporting this account on my credit report because they are injuring my credit profile and violating my rights.

They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation.

This account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what an initial late {$310.00} fee is and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for XXXX XXXX ( see attachment below ) therefore it would be impossible for either XXXX XXXX or XXXX XXXX XXXX to try to collect the initial late fee of {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid a {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve XXXX items showing on my credit report since XXXXXXXX XXXX XXXX. I have written to all XXXX credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent XXXX letters regarding these accounts. I know they have 30 days to respond but it has been over XXXX.
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 items 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 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 XX/XX/year>
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I was alerted that my social security number along with other personal identifiable information was leaked through data breach. I am now dealing with additinal credit and non credit credit account attempts. Also utility and payday loans companies attempting loans and XXXX successful utility in my name in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX : {$900.00} XXXX XXXX XXXX XXXX Balance : {$780.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX & XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX WXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XX/XX/XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I began using my Wells Fargo Credit Card in XXXX 2016. The credit limit is {$8000.00}. My current balance is just over {$4000.00}. On XXXX XXXX, 2016, I went to the local XXXX to take advantage of a promotion of " {$99.00} for one year of membership. '' My Wells Fargo credit card was declined when I attempted to use it at this business. In XXXX 2016, I went online to XXXX to make a purchase of {$53.00}. Again, my Well Fargo credit card was declined. I did n't understand that, so on XXXX XXXX, 2016, I went to my files and pulled my bank statements and discovered that Wells Fargo did not send me a credit card statement in XXXX 2016 ( When statements come in from all sources -- banks and utilities, I put them in a little box, in a pile ). Wells Fargo not only failed to send me a statement in XXXX 2016, the bank deactivated my credit card, and sent a negative entry to the credit bureaus, without notifying me. I have been utilizing credit off and on for 45 years, and this sort of thing has never happened to me. It is the most recent statement, XXXX 2016, that shows derogatory information in my account. Wells Fargo knows that I have excellent credit and, therefore, they should have notified me if they believed that I did not make a payment. The truth is, I did not know until recently, when I checked my bank files, that Wells Fargo had not sent me a statement in XXXX 2016 ( I am in the process of designing a spreadsheet that will show the names of all creditors ( banks and utilities ) and the dates on which their statements arrive ).
Product: Vehicle loan or lease

On or about XX/XX/XXXX, I signed a Retail Installment Contract ( RIC ) with XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX, financed for {$30000.00}. The contract contained an incomplete assignment, which failed to validly transfer rights to Santander Consumer USA Inc . Despite this defect, Santander has continued to attempt to enforce the agreement. 

After misplacing my original RIC, I requested a copy from Santander. On XX/XX/XXXX, Santander mailed me a document that purported to be the original RIC. Upon review, I noticed significant discrepancies, leading me to file a CFPB complaint on XX/XX/XXXX. Santander responded on XX/XX/XXXX, providing a version that matched the XX/XX/XXXX, RIC. 

On XX/XX/XXXX, Santander provided yet another version of the RIC through its CFPB response, but this document differed from both the original RIC and the version provided earlier, adding further inconsistencies. Santander also included a separate assignment document, attempting to cure the incomplete assignment, but this document contained mismatched dates, missing information, and did not resolve the issue. 

Key issues with Santanders provided documents : Forgery : The signature on the XX/XX/XXXX, document does not match my actual signature. 
Altered Assignment Clause : The original RIC contained an incomplete assignment, while the newly provided version omitted it entirely. 
Inconsistent Representative Signatures : The signatures of Santanders representatives vary across different documents. 
Defective Assignment Document : Santanders attempt to introduce a separate assignment document did not fix the incomplete assignment and only created more discrepancies. 
These issues raise concerns about potential fraud and misrepresentation in Santanders attempts to enforce a contract that appears invalid and unenforceable due to its incomplete assignment and discrepancies in provided documents. 

Santanders actions have caused me financial harm and prevented me from disputing the debt properly. I made payments totaling {$5100.00} under what I now believe to be an invalid agreement, and the misrepresentations have negatively affected my ability to obtain alternative financing.
Product: Vehicle loan or lease

XX/XX/XXXX. I purchased a car with a loan via Credit Acceptance. XX/XX/XXXX the car was totaled in an accident. My insurance paid off the loan. I missed a payment in XX/XX/XXXX due to the accident, And are refusing to close the account and damaging my credit despite the fact that my insurance covered the missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX years old. I ran my credit for the first time XX/XX/XXXX. There's a credit card on my TransUnion account. It has a 60 day on it. It also has an open date of XX/XX/XXXX. Seeing as though I wasn't born until XXXX, I'd like to have this credit removing removed. Obviously it is not mine, nor did I give approval for my information to be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, on XX/XX/2019 i sent a letter to Transunion XXXX asking them to send me proof of a some items on my credit file which i do not recognize as my rights under the FCRA sec tion 609, also asked them to send me proof of any documents that they have on their files that proof that any of those accounts are mines. the letter was received via certified return service receipt on XX/XX/2019. They responded to me saying that all of those accounts are verified as accurate. i sent another letter to them on XX/XX/2019 repeating to them to please send me proof of the investigation the had where they proof those items belong to me as my right per the FCRA. That is the second letter i sent them begging them to send the information that they used to " verify '' those items on my credit file. Also they told me also to contact the original creditors which i also did on XX/XX/2019 and none have responded to my letters asking them for any document where i signed any piece of paper or contract. please tell them to send me the proof that they investigated those items, who verified them? how were they verified? who did they spoke to? attached are the two letters i have sent them
Product: Credit reporting, credit repair services, or other personal consumer reports

I went bankrupt in XX/XX/2020. I have XXXX credit card accounts that are showing CLOSED THROUGH BANKRUPTCY, but still shows they were late, negatively affecting my score. I want them removed from my report like the rest of my accounts that were late, but are no longer showing on the report after the bankruptcy. I disputed these accounts multiple times in an attempt to have them removed without success. I contacted the companies and was told they could not remove the accounts. This is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to previous complaint number XXXX Regarding Company Comedity XXXX XXXX. 
Account was paid in full XX/XX/XXXX. I over paid and received a refund. I wrote and mailed a certified letter to the company Comedity XXXX XXXX to close my account. At my request. I received a letter stating my account was closed due to too many inquiries. 

I checked my credit report from XXXX. It now indicates a credit score of XXXX. XXXX claimed that the company Comedity had not reported on my account in 6 months. I have proof they did. 

My XXXX  credit reports also indicated that the company Comedity XXXX XXXX pulled a hard copy of my credit history XX/XX/XXXX. I called XXXX  to find out why this company pulled a hard credit on me. The account was paid in full 12 months early and closed. I was told I had applied for credit again with this company. That is false. I paid this off and closed this account. I also ask that XXXX note my only 90 day past due period was due to a natural disaster, Covid. Ive never been late prior on this dental XXXX, Comedity XXXX XXXX. I was excused one month without penalty due to being in good standing. The next month they refused to lower my payments stating this dental bill was a digital credit card. It was not. I do not own a credit card of any type. Comedity XXXX XXXX indeed report my account to XXXX during the past 6 months and I have not reapplied for credit. The hard pull should not have been made after I paid the account off 12 months early and closed this account. XXXX  refuses to fix my credit.
Product: Student loan

I am charged an incorrect monthly amount for my medical student loan repayment on the SAVE plan by Mohela. Mohela is currently charging me {$760.00}, an incorrect monthly payment. 

I have called multiple times to Mohela over the past 7 months. There has been no resolution. 


Call on XX/XX/XXXX to Mohela Mohela representative quoted a monthly repayment of ~ {$160.00} dollars a month under the SAVE plan ~ starting XX/XX/XXXX at the earliest Call on XX/XX/XXXX to Mohela I spoke with XXXX XXXX Mohela representative ) regarding an incorrect monthly charge of {$760.00} on my account. XXXX again quoted me {$160.00} and stated the supervisor would call me back in one week to fix the discrepency. There was no call back from a supervisor. 

Call on XX/XX/XXXX to Mohela No response from supervisor from the previous call and an incorrect monthly charge of {$760.00} still remained. Representative stated they will reach out to their higher authorities to look into this discrepency. 

Call on XX/XX/XXXX to Mohela XXXX, one of the supervisors of Mohela, stated the {$760.00} charge was incorrect and she did not know why I was charged that much. She stated my monthly charge should be {$220.00}. She stated she would document her conversation and send me a letter within 2 weeks outlining our conversation. On XX/XX/XXXX, a letter was sent out, but again stating I owed an incorrect amount of {$760.00}. XXXX also stated that within a month the new corrected charge of {$220.00} should be reflected on my Mohela account. It has been 1.5 months and the current change is still {$760.00}. 

I have submitted proof that when I originally submitted my income base repayment plan on XX/XX/XXXX the monthly charge was {$160.00} a month.