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

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

XXXX XXXX : Account number starting in # 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. 

This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 

I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, They failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms. 

I kindly request that the CFPB instruct this agency to conduct a thorough and reasonable investigation into the disputed information and provide me with a written response within the stipulated time frame. Additionally, I request that the inaccurate information be promptly removed from my credit report due to my rights being violated and sending multiple disputes in the past with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the fallacious account reporting on my Credit Report : XX/XX/XXXXXX/XX/XXXX
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 would 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 reregulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Checking or savings account

I wrote a few checks, all to people who also bank at Chase. These checks have cleared my account and Chase still locked their accounts. I called them to verify that I wrote these checks, and they said they can't verify me and my number even though they have it all in their system. This makes no sense. They are of no help and I have spent hours on the phone with them
Product: Money transfer, virtual currency, or money service

Unable to be verified by Wells Fargo system for mobile wallet.
Product: Debt collection

Dear Goldman Sachs Bank : I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I recently applied for a loan and got a detailed credit report. On the report there is a {$5000.00} XXXX credit card that is NOT me. I have never had a XXXX credit card of any kind.
Product: Checking or savings account

My wife and I opened a joint account at Chase in XX/XX/2021. We did this in person at a branch. We brought all the required identity documents and extras just in case. All of our information was verified, and after over an hour, the account was opened. A couple of weeks later, I went to pay my credit card bill, and find out that my account was locked. Chase seemed to think there was something fraudulent going on with my account. It took multiple calls and several hours on the phone to resolve this. The obviously outsourced customer service seemed to have no clue what they were doing, and kept transferring me to different people, or telling me I needed to go into a branch. After several tries, the issue was finally resolved, or so I thought. My wife 's account was similarly locked, and we can not get any help. We spent half the day on hold, talked to several agents, and while on hold for yet another agent, the call went completely silent. We are completely fed up. We both need to be able to access our accounts, and we do not think it is too much to ask to be able to contact support when needed. Having overseas reps that can barely speak English and can't understand the issue or how to resolve it is XXXX. I have never had problems like this over many years of being a Chase credit card holder, so I assumed their consumer banking division would be run about as well, too. I was clearly wrong.
Product: Credit card or prepaid card

I have a government issued XXXX  XXXX Prepaid card. I want to transfer the funds into my own bank account. On XX/XX/2020, I went to the Way2Go Card website and found no option to transfer funds from the account. On the paper that came from the XXXX XXXX, for funds transfer, it did state that I need to call the automated customer service at XXXX. The automated customer service had no options for funds transfer. I finally choose an option that would direct me to a customer service agent. After 45 minutes on hold, a customer service agent answered my call. I asked to make a funds transfer and was told the state of Georgia does not allow that. I thought this to be strange because I had already made a funds transfer several months ago. I asked him for clarification and he said they are working on it with the state and hung up. 
They do have a bill pay on their web site that is limited to {$750.00}. Not enough to pay my mortgage. 
I feel XXXX XXXX  is using my money for their interests, and preventing me the access to the funds to use as I see fit.
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 2 times ) The phone number is XXXX and XXXX The company is identified as Diversified Consultants Incorporated. They are claiming to have an outstanding XXXX bill for me and is requesting that I give them the last four digits of my social security number and my current address in order to receive any of the actual details regarding the past due bill. I have told them over and over again I have a current bill with XXXX and do not have a bill in collections and if I do to please send all the information in writing. They are refusing unless I provide them with personally identifiable information. I called XXXX to clear the matter and they assured me I do not owe the bill. I called back to the collection agency to try to clear the matter and the person answering the phone refused to acknowledge that any one had called me from the company. I told her this was the number showing on caller ID. I told her I has spoken to a young man who identified himself as XXXX XXXX. She would not say whether anyone by that name worked at the place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's really weird how these credit bureaus reporting me as late on these accounts I want you to investigate these accounts. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 

XXXX XXXX Account Number : XXXX
Product: Mortgage

We borrowed {$32000.00} twenty years ago from Green Tree Mortgage, I contacted them back in XXXX to see what my pay off is and I was told {$30000.00}. At that time I have requested several times a copy of the contract we signed, and have yet to receive it. I hVe called about once a week asking them where the copy of the contract and they keep shuffling me around operator to operator. Recently they sent me something that was not the contract and it was signed by people that were not there the day we signed, also the Co. That it says is wrong as well. I 'm still getting the runner around in regards to my contract. Please guide me in a direction that I could get some help.
Product: Mortgage

Wells Fargo Home Mortgage sold my loan to XXXX XXXX effective XX/XX/XXXX  and provided a telephone number for XXXX XXXX, a number I simply can not speak with live representative. I called Wells Fargo and a gentleman who spoke with me told me that they've been receiving a lot of complaints from other customers. Yet Wells Fargo did not have any other number for me to call XXXX XXXX. 

I filed a complaint with CFPB against XXXX XXXX ( Complaint # XXXX )
Product: Credit card or prepaid card

Citibank manages the sears credit card services. I have had a sears card for 35 years. I received a notice from citi threatening cancellation if i didn't use the card. Sears have closed stores, no catalog sales, and less than stellar home service. When i received the actual cancellation it was for reasons other than non use. The reasons used were extremely derogatory. The cancellation was negative to my credit. I have never had historical issues with sears. The account balance was XXXX. Citi was contacted. Someone from the executive office called with corporate boilerplate. The citi response is totally irresponsible and therefore unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to express my confusion regarding your credit bureau 's investigation of the fraudulent accounts on my credit report. I have submitted the required XXXX report to the XXXX XXXX XXXX concerning these fraudulent accounts. Following this, XXXX and XXXX removed the accounts from their records. Additionally, the companies associated with these accounts have confirmed their removal. 
Despite my previous communications, these accounts have not been removed. 
XXXX XXXX XXXX XXXX  and XXXX XXXX.
Product: Mortgage

Our mortgage was transferred from XXXX XXXX to Mr. Cooper in XX/XX/2023. 
On the day the loan was transferred, Mr. Cooper had been hacked and we could not access our loan information for at least a week. 
A class action lawsuit has been brought against them for the breach. 

Once we were able to access our account online, we noted that it showed that we had not paid our monthly mortgage, even though our payments continued to be taken out of our checking account twice a month by XXXX as it had been for over 20 years- through several mortage companies and XXXX different houses with no problems. 

We contacted Mr. Cooper through the chat on XXXX and was told to send proof of payments to XXXX ' to expedite location of the payments and this was completed the same day. No reply email from Mr. Cooper was received. 
Payments were send on XXXX and XXXX. 
We also called XXXX along with our home insurance XXXX as they requested and doublechecked to make sure their information was updated which was confirmed by both. 
At this time we could not make an additional payment towards our principal balance due to Mr. Cooper as we do each month because our account was not 'current '. 

On XXXX, we contacted Mr. Cooper through the chat again. We let them know that we had emailed the requested payment information, our account showed that no payments had been made, and wanted an update. 
They let us know that there was a pending missing payments case opened on XXXX and that is was in process. Case # XXXX, which might take up until XX/XX/XXXX to finalize. They assured us that our account would not be penalized while they worked on our case. They confirmed that there was a 60 day grace period which will end on XXXX - during this time no late fees or negative credit reporting will be applied to our account. 

On XXXX, we received an automated call from Mr. Cooper stating that our mortgage payment was late and that we had to pay today in order to keep in good standing with the mortgage company. 
We tried to call Mr. Cooper directly but they will not let you speak with a representative. When we repeatedly asked for a representative, we were hung up on. 

We have printed transcripts of the chats from both dates. 

Please advise.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and am disputing unauthorized hard inquiries on my Equifax credit report. The following inquiries were not authorized by me and resulted from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I request these inquiries be removed immediately as they are the result of fraudulent activity. I have attached proof of identity, proof of residence, and an identity theft affidavit to support my claim.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.