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

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6.  ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX, account number XXXX ; 8. ) XXXX XXXX account number XXXX ; 9. )  XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Payday loan, title loan, personal loan, or advance loan

To whom this may concern ; this is a response to cfpb case # XXXX. I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand this account be deleted from my consumer report immediately. 15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to unlock a credit freeze Equifax login would not work. I previously had set up a log in username, password, and pin and in the past have been able to manage my credit freeze this way. On XX/XX/XXXX I lifted a credit freeze with XXXX XXXX and XXXX  but was unable to do with Equifax. I tried to reset my password, but the system asked me questions about my credit file that I could not remember and then gave me a message to call XXXX. When I called in, they asked other questions that I could not remember like when I opened an account 4 years ago or some cryptic name that a bank has on the report. Then before I speak with a customer service rep the system automatically hung up on me. I tried calling three more times that day to avail. It was either on the phone or online that the automated system indicated that I could get my credit report by mailing in my personal information. I sent in my information sometime between XX/XX/XXXX XX/XX/XXXX and received my credit report about 10 days later. The report is dated XX/XX/XXXX. 
On XX/XX/XXXX I tried to reset my password again but was unable to do so and got the message to call XXXX again. I used my credit report that had been mailed to me to more accurately answer the questions asked by the automated phone system. I finally got through to a customer service representative and after many more questions she told me that I needed to clear my browsing history from my web browser and try to reset my password after waiting 30 minutes. I complained to her about how long it had taken me to get to her, but she just started repeating the instructions until I realized she was not going to help me any further. I followed her instructions, and I was still not able to reset my password. Any other company in the world has the ability to force a reset of a password so I find it hard to believe that Equifax is the only company that lacks this capacity. Therefore, I feel as they are purposely making using a free service difficult and that should be illegal. 
I have tried again today, XX/XX/XXXX the same process of first trying to rest my password online but the system immediately indicates that I need to call XXXX. I called and followed the prompts and using my credit report to answer the questions, I was denied speaking with a customer service representative. I looked everywhere on the web site for a different way to call in and did find a different number, but it leads to the same prompts as the other number. 
I am trying to refinance a home and a company that I am a partner in is trying to finance a large equipment purchase ; this lack of access to my frozen Equifax has become a hardship and I am unable to speak with anyone at Equifax to come to a resolution. Please help me resolve this issue.
Product: Debt collection

I am being contacted by Financial Corporation of America to pay {$440.00} to them. I have never had any business with this company. 


Reference Number XXXX
Product: Checking or savings account

My initial claim was started on Friday, XX/XX/2021 by my bank with the fraud department. I started my own investigation and called XXXX XXXX Illinois and spoke with XXXX a specialist he was able to pull up the account in question by my social. But the email account, debit card on file and phone number did not match. The acct number he gave me for reference was XXXX. He stated he would send a request to their fraud department. 

From that day forward I called my bank fraud department. Had email exchanges with a fraud specialist with no resolution. Apparently the initial transaction started in XX/XX/2021. The debit name on my account was from XXXX XXXX {$210.00} and was taken out about XXXX of each month. 

My bank, Truist, stated that the license, signature and information they found was not a match to mine but still no resolution. 

I even filed with the police and they ran into a dead end. I checked my creditwise account and found phone number, and address in XXXX, IL that was added.
Product: Checking or savings account

I have already filed a complaint once before and they responded with a ridiculous excuse. They have done it again. I am being charged NSF 's for transactions that should have cleared ACCORDING TO WHAT I see on my end. When I log on to my account and see a balance available then i expect my transactions to clear as long as I am seeing there is enough to cover the debts. BUT they continue to hold back transactions and push through they ones they choose to. I can not believe this is not regulated by some sort of agency. Banks are continuing to fraudulently take peoples money and justify it by using some sort of authoritative source saying it is their policy but not really what they are doing! This has got to stop! I am not going to let this go. I want my NSF 's back. I know what is going on. I print my bank statement daily and they tell me the balance THEY see on their end with PENDING transactions is different than what i see and even though the transactions are pending - with the possibility to drop off or be reversed, they deduct that money " on their end '' and therefore any legit posting transactions are returned NSF during that time. I can not believe this bank is allowed to get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out. 

According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. 

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX Credit Union ( # XXXX )XX/XX/XXXXXX/XX/XXXXCredit Union XXXX # XXXX ) XX/XX/XXXXXXXX Auto ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XX/XX/XXXX ( # XXXX )XX/XX/XXXX Credit Union ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts
Product: Checking or savings account

I closed my savings account with Synchrony Bank years ago, but I keep receiving emails from the bank saying my statement is ready. Ive called multiple times to confirm my account is closed, which is confirmed on the calls. When I inquire why I keep receiving statement ready emails, the bank says they dont know. There is no way for me to unsubscribe, and the bank says theyll look into it, but I keep receiving these SPAM emails I dont want, and are not helping to service an account since the account is closed. I want these emails to stop.
Product: Credit card

Received an email from Chase on XX/XX/24 that my Chase XXXX card is now in your XXXX XXXX. Email is provided on attachment. The problem is I do not know what a XXXX XXXX is, did not ask to be enrolled, and do not want to be enrolled. The links on the email to opt out of XXXX were confusing and did not work. Atop that was not sure if this was some sort of a potential scam. 

To get out of XXXX XXXX I called four reps. The first customer rep. XXXX did not know what XXXX was and referred me to Chase Security. I talked with XXXX from Chase Security, and she understood my concerns but said customer service had to be the dept. to remove me from XXXX. I was then transferred to XXXX XXXX who supposedly unenrolled me in XXXX. I asked him for something official such as an email, a letter ( USPS ), or secure message email. He said he could not do this. I then asked for his supervisor, he transferred me to supervisor XXXX. XXXX said he was not knowledgeable about the XXXX XXXX  and only the technical department could verify that I was truly dis enrolled. He could not or would not send me an email verification of disenrollment and over all was XXXX and unhelpful. 

This whole phone experience across four reps without a full resolution to the problem took about 45 minutes of my time.
Product: Debt collection

I have contacted XXXX XXXX credit regarding accounts XXXX IN THE AMOUNT OF {$2000.00}, XXXX IN THE AMOUNT OF {$920.00} and XXXX IN THE AMOUNT OF {$2000.00} on 4 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX XXXX whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.
Product: Debt collection

A company called " XXXX '' attempted to take {$200.00} out of my checking account. In addition they attempted to take {$25.00}. These attempts were made simultaneously. Two weeks later I started receiving calls from XXXX XXXX XXXX XXXX at my job and the caller claimed that they were attempting to collect a debt. I immediately asked for the details in writing and they stated that they had sent a letter. They had not. Each time they called I requested the details in writing. They claimed they sent it. I never received it. I stated, " if that is the case, FAX me a copy of the one you sent. '' They refused. I told them if they could not send it in writing, that I did not believe they were a collection agency but a scam. I asked them to stop calling me. They continued to call me every day for weeks. On XXXX/XXXX/15, nearly two months later, I received a letter from XXXX XXXX XXXX, a unregistered collection agency claiming I owed a company called CrossCheck, Inc. the {$200.00}. I have never done business with CrossCheck, Inc. XXXX Louisiana Revised XXXX XXXX requires collection agencies to be registered. ) I have sent them a dispute letter since receiving their letter. ( I can prove the calls via cell phone records. )
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXX/XX/year> I am requesting assistance to remove an unauthorized credit inquiry from my report. This is impacting my credit negatively.
Product: Debt collection

On XX/XX/XXXX, I received services from XXXX XXXX XXXX ( subsidiary of XXXXXXXX XXXX XXXXXXXX ) and paid in full directly to them at time of service ( see receipt attached ). However, in XXXX, I noticed that a collection agency, XXXX, reported this debt on my credit report. I filed a dispute, and the debt was subsequently removed from my credit report after I provided copies of my receipt showing I paid at the time of service in XXXX. 
Recently, I discovered that XXXX XXXX XXXX XXXX sold the same debt to the National Recovery Agency who added this same debt to my credit report again. I strongly believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I paid at the time of service in XXXX and provided my receipt as proof of payment. 

Fair Debt Collection Practices Act ( FDCPA ) The key violations I am reporting : 807 False or Misleading Representations : Debt collectors may not falsely represent the character, amount, or legal status of any debt. By attempting to collect a debt that was already paid in full and previously disputed, the National Recovery Agency is violating this section. 

806 Harassment or Abuse : Attempting to collect on a debt that has already been paid could be considered harassment.

809 Validation of Debts : If you dispute the validity of a debt, the collector must cease collection until they provide sufficient validation. Given that the debt was previously disputed and resolved, attempting to collect again on the same debt violates this section. 

Fair Credit Reporting Act ( FCRA ) Key violations include : 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information : Furnishers of credit information ( like collection agencies ) must ensure that the information they report is accurate. By reporting a debt that was already paid, XXXX XXXX XXXX XXXX and the National Recovery Agency are violating this provision. 

623 ( a ) ( 3 ) Duty to Correct and Update Information : If an error is found in the reporting, creditors or debt collectors are required to promptly update or correct the information. Since the debt was previously removed after your dispute, re-reporting it as unpaid is a violation.
Product: Credit reporting or other personal consumer reports

Account # XXXX valid XX/XX/XXXX Phone # XXXX I mailed a dispute to Transunion regarding late payments to XXXX XXXX XXXX XXXX  on XX/XX/XXXX they received on XX/XX/XXXX. I received the results of dispute on XX/XX/XXXX. The date is currently XX/XX/XXXX and there is still no Notice of Dispute on my Transunion Report which is a violation of FCRA section 623. I have never received notice 5 days after their decision which also falls under FCRA section 623. That is fine of {$1.00} per occurence. Please have the 30 day late payment from my credit report and fine Transunion, for blatantly disregarding the FCRA laws. I spoke to the credit card company and they stated that they never received dispute from Transunion. 


Thank You XXXX XXXX
Product: Debt collection

On XXXX XXXX, Harris & Harris Revenue sent dunning notice of a medical debt. The account was paid in full in XX/XX/XXXX, and funds cleared. 

In XX/XX/XXXX, the same collection appeared on my credit report as open and unpaid. This is unfair debt collection practice since this account is a paid medical collection and should not be reported to the credit bureaus. The continued reporting of this account is a violation to HIPAA and should be removed.
Product: Debt collection

Simons Agency was provided with the dates that I had coverage for my son which started XX/XX/2017. They were informed numerous times to resubmit claims to NJ XXXX as the services should have been covered. The hospital did not bill to the correct insurance company. Also, the debt belongs to my son and not me. I have sent all the information to Simons Agency hoping they will quickly remove the incorrect information from my credit reports.
Product: Student loan

On XX/XX/XXXX I was informed by email that my XXXX XXXX Loan as serviced by MOHELA would be transitioning to their new website on XX/XX/XXXX. As a result, I would not be able to pay, view my balance, or conduct any business with my loan online until it had " transitioned '' to the new website. During this period my loan was to still accrue interest and a definitive date of " transition '' was not listed. MOHELA said that I would likely regain access " approximately XXXX weeks after XX/XX/XXXX ''. My loans fully " transitioned '' on XX/XX/XXXX and showed no breakdown of interest and principal. Interest had clearly occurred but there was nothing showing exactly how much interest. 

Upon trying to pay on this new website, there was still nothing showing the amount of interest vs. principal, just one sum. On XX/XX/XXXX, I called to ask about this and was on the phone for two hours. The woman I spoke with did not resolve the situation and then hung up. She stated she would backdate the interest to before the transition period -- this did not happen. 

For two more days I waited to see if my loan details and breakdown would be fixed -- or if interest would be backdated. This did not occur. On XX/XX/XXXX I made a payment of {$10000.00} from a balance of ~ {$20000.00}. I received email confirmation and a confirmation number for this payment. Additionally, the MOHELA portal even displayed this payment as pending after being submitted. A picture of this is attached. Now, there is no record on the portal of such payment. 

Today, XX/XX/XXXX, I went to check my loans. The online portal has no record of a payment and my balance is now {$20000.00}. My payment was clearly not recognized and interest is still continuing to accrue rapidly. The funds for this payment left my bank account on XX/XX/XXXX. My payment received confirmation and the money has been transferred to MOHELA, but it is not reflected and interest is continuing to accrue as though a payment was never made. 

Despite multiple attempts to contact MOHELA I have received no help whatsoever. This certainly must be illegal and I am clearly losing money in an unfair fashion and spending countless hours attempting to rectify this manner. MOHELA is simply a reckless and unaccountable steward of FEDERAL LOANS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion on XX/XX/XXXX, it is now XX/XX/XXXX and they have failed to respond. I submitted through XXXX XXXX website. I have also written follow up letters, they responded by sending me a letter saying they did not understand the letter, that is ridiculous because the letter was very clear. It has now been over 90 days and still saying under investigation. It is preventing me from dealing with other disputes through XXXX XXXX. 
file # XXXX TransUNION
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, account # XXXX, has violated my rights. 

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

25 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I made clearly marked Principal Payments in addition to my monthly payments. The principal payments were applied incorrectly. Now they sold the loan and did not give proper credit, and included the odd balance of money applied as a fee. 
Bank of America payment of {$440.00} XXXX of every month. XX/XX/2018 made a principal payment of {$400.00}. It was credited as short {$48.00} for XX/XX/XXXX payment. Also noted on XX/XX/2018 " Short  Pmt Advance- Interest '' and CHARGED me {$48.00} extra as interest. I called, they tried to correct this, then same thing happened with XX/XX/XXXX. Now they sold the mortgage to XXXX XXXX XXXX with no correction on the principal credits. They still calculated interest. And they also have extra money of mine and still transfered the loan with a " FEE DUE, {$48.00}. '' This is Bank of Americas XXXX up, and they need to give proper credit at the times payments were made, back out the interest, send a correction to XXXX XXXX  and me. 
-I was also locked out of my account and can not give a print out of XX/XX/XXXX to B.O.A., though I can produce proof of payments from my credit union.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 Resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.