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

I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. Transunion is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : (

1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

TransUnion doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and Transunion still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Product: Checking or savings account

Cashapp closed my account I had with them and I still had XXXX $ in the account and when i called they told me they couldnt do anything and then they said I was supposed to receive a check but I never received a check from them.
Product: Mortgage

Wells Fargo Home Mortgage has refused to directly address my loan concerns. Listed below are my concerns. 
1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. I never signed the Pick A Pay Loan Disclosure more then once. This is fraud that needs to be addressed. 
2. I am requesting if Wells Fargo Home Mortgage will accept a Affidavit for Forgery Signature from a Handwriting Exert. ( Please do not skip this question ) 3. I can supply to Wells Fargo Home Mortgage a Certified Affidavit by the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX. 
4.I am requesting Wells Fargo Home Mortgage also to do their own investigation because I never signed the Pick A Pay loan Disclosure XXXX on XXXX different dates. XXXX of those dates was impossible for me to sign on. 
5. I am requesting Wells Fargo Home Mortgage to use a handwriting and forgery document analysis for the Pick A Pay Loan. 
6. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
7. Will directly a Loan Modification application to : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX. 
8. Will you state what loan modifications or equity loans I am eligible for without submitting a new loan application. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference the attached letter I sent to Equifax on XX/XX/XXXX. THey were supposed to respond to the letter within 30 days, but I have not received anything.
Product: Student loan

I completed the income-sensitive repayment plan application to reapply for a reduced payment plan. The form indicates to list the gross monthly income. It also requires that the XXXX most recent pay stubs are submitted. Since I am hourly, I do not work the same hours each week ; therefore, the amount that I list for my gross monthly income is an estimate. Since there are seasonal busy periods, the hours that I am working now are inflated compared to what I am actually scheduled to work. As a result, this makes it appear that I earn much more than what I do. Last year, I encountered the same issue and after numerous tear-filled phone calls, I was instructed to write a note that I was an hourly employee and include what my average scheduled hours were. This year, in an effort to avoid having my application rejected, I included the same explanation. Sure enough, a week later, my application was rejected. I called and spoke to a representative who accused me of understating my wages. I explained to her that I was hourly and did not have a set salary, and she instructed me that I would have to match my gross monthly income to the amount on the pay stubs regardless of the fact that the hours were not typical. I immediately requested a supervisor since I had encountered the same issue the previous year. I explained that I did not feel comfortable listing the inflated amount as my gross monthly wages since it overstated my actual earnings. The woman was very rude and condescending. She then began asking all these questions about my tax returns and other personal information as if she was attempting to refinance my loans. Not only was I unprepared for the questions, since I was commuting to work, but I could not understand her due to a very heavy accent. Since I work for a non-profit, refinancing a loan would be unwise because it would disqualify me from Public Service Federal Loan Forgiveness. When I asked why she needed the information she was requesting, she became agitated and told me she was attempting to qualify me for a different loan. I informed her that I was not comfortable or prepared for that and would call back. As she yelled something at me through the phone, I hung up. Because I feel like I have no other option, I am have submitted my forms with the inflated wages they demand. I find it absolutely insulting that I am trying to pay for my loans and I feel like they are attempting to rip me off by changing the terms. I also have a small window to get this resolved since they will increase my payments to XXXX % of my monthly wages if I do not give them the answers they want.
Product: Debt collection

Afni INC is reporting on my XXXX credit report as a collection account. I sent a debt validation letter to this company on XX/XX/2020 and have not received any response to my request to show me documentation that validates the debt. 

They received the certified mail request on XXXX/XXXX at XXXX. It has now been 46 days and no response has been received. 
They are defaming my character and hindering me from certain things because they are falsely accusing me of owing a debt I DO NOT owe them Their mailing address listed on my report is AFNI INC XXXX XXXX XXXXXXXX XXXX IL XXXX
Product: Credit card

XXXX XXXX was supposed to remove negative charge offs from XXXX XXXX XXXX  for XXXX dollars and XXXX XXXX around XXXX XXXX and same with XXXX XXXX XXXX and XXXX so notified all 7 companies that since I have XXXX all seven know this this month me and niece lady is going to be trustee as a first party special needs trust under first party and state and federal she can instantly remove negative charge offs so XXXX XXXX failed so they must give back 4 payments each of XXXX each and XXXX to capital one and capital one must give it back to me immediately since they dont want to this unattiontly is causing financial abuse to a XXXX which is now criminal instead of civil so can you point out the laws to all 7 companies and save my trustee headaches so future she can deal with future problems but she has no problem dealing with old problems with me because of XXXX trustee job is a 24 hour job instead a normal day so can these 7 companies help her resolve it so she can have a normal day otherwise they find out the hard way what the law authorized her legally what she can do and the companies will automatically lose and they cant appeal at all
Product: Vehicle loan or lease

Leased a XXXX  XXXX XXXX at XXXX XXXX in XXXX, WI which was a DEMO driven by the Manager at that time. 

I am not disputing all charges except for the following : 1. Wear and tear charges totaled {$750.00}.

2. There was not a 12 '' crack in windshield when turned in 3. License plate holder in front was not there when picked up {$91.00} ... for a {$5.00} part!

4. Scatches in rear bumper were very small and were there along witth a few others The disposition fee should be waived, leasing of new vehicle was from dealership owned by same owner {$390.00} not told about this plus loyalty to dealership Dealership was to send in over mileage fee of {$750.00} has not been received
Product: Checking or savings account

These people who are answering my complaint at wells fargo are liars. There is evidence XXXX XXXX lied about me that I harassed her while I was at the bank opening up my new account that they wrongfully closed. I don't care that they have a right to close it. They were doing that with my first account which I had open at the wells fargo branch on XXXX in XXXX XXXXXXXX XXXX. I am tired of being treated like this. I did nothing wrong I have never harassed XXXX XXXX. This is just another tactic for XXXX XXXX to enrage me about. Like everything else they have enrage me. Anyone has flat out refused to listen to my side of the story. It was personal why my checking account was closed. I don't care what anyone says. Wells fargo even admitted to it was because of XXXX XXXX said I harassed her. I have never harassed XXXX XXXX. She slandered me which caused me to lose my checking account
Product: Credit card

This complaint is related to my previous complaint, ID : XXXX. I have already closed my dispute with XXXX. I currently had to re-open a dispute with Capital One, they wrongly ruled in favor of the scam company and never contacted me for evidence. I called Capital One and had them email me their secure link to upload documents of my evidence. I tried multiple times to submit and every time it brings me to a page that says failure to upload documents. I followed every guideline for document formats and tried XXXX different web browsers but I keep getting the error page. I tried contacting Capital One and was transferred XXXX times and each person was incompetent about the Issue. The best they could do was send me a new link, which didn't work either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX case # XXXX, XXXX XXXX case # XXXX ..., XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., and XXXX XXXX case # 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 Thank you for helping rectify this situation. I feel at this point my rights have been violated. Please delete off all my credit reports ( XXXX, XXXX, Transunion ) immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corected immediately. 
XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

A debt collection notice was sent to my personal residence for a business debt, which I did not personally guarantee nor is it my personal responsibility. This debt, originally held by XXXX XXXX XXXX, has been passed to XXXX XXXX XXXX for collection as if it were a personal obligation, despite being associated with a corporate entity. 

The letter, received on XX/XX/XXXX, incorrectly addresses me in relation to this matter, indicating XXXX XXXX XXXX as the original creditor. However, the debt in question is linked to a business entity, for which I was only the account administrator. My involvement with the account did not include any personal guarantees for the entity 's financial commitments. 

I am not personally liable for this debt, and I believe that XXXX XXXX XXXX should focus their recovery efforts on the corporate entity involved, rather than pursuing an individual who has no personal financial obligation in this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

A credit inquiry was made by someone using an address I have not lived at since XXXX using a fraudulent phone number starting with a nonexistent area code XXXX. I would like to have this inquiry removed. This is a fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent Best Buy/CBNA a letter disputing the account they are reporting on my credit report as charged off in the amount of {$5000.00} ( while the credit limit for this supposed account was only {$3600.00} ). It was delivered certified mail and signed for at the address listed on my credit report on XX/XX/2018. A few weeks later I received a letter from CBNA dated XX/XX/2018 stating that they were no longer attempting to collect the remaining balance on this account signed by a Mr. XXXX, listed as Vice President of CBNA. It is now XX/XX/2018 and the credit report I just received yesterday, XX/XX/2018, still contains CBNA inaccurately listing that account in collections/charged off in the same amount of {$5000.00}. On top of not removing the account from my credit report as said in a letter from them, they also have not marked the account as disputed on my credit report as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). Throughout this entire process I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank, through XXXX, has not been reporting to the credit bureau 's since XXXX. Attempts to contact them only results in canned responses with no assurance that this will be corrected anytime soon. Multiple customers are facing the same issue.They need to be held accountable to not reporting which is causing customers to not have updated information to the credit bureaus which effects everyone 's scores.
Product: Mortgage

Problem on XX/XX/XXXX and XX/XX/XXXX, I requested multiple times for an extension on the deferral but all efforts by multiple people on different days were met with reluctance to dismissal. 

People I spoke to. XXXX, XXXX XXXX and others Ive received nothing in writing showing the request was being processed. 

Its almost like BofA representatives are trained not to process nor request extensions for deferrals to force homeowners into foreclosure. 

Horrible customer service. They just do whatever they want which is nothing.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

Want to express my concerns with Zelle 's handling of disputes, especially in the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost fund was impossible and that tracking these transactions were infeasible. It's leaving users vulnerable to scams. This lack of accountability is unacceptable & raises serious concerns about consumer safety.
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 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 seek appropriate redress for these violations.
Product: Debt collection

I looked at my credit report and found a collection for $XXXX from TEK Collect, this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am filling a complaint with the company, Transunion ... 
Id recently submitted certified letters to the company requesting validations for the following accounts : XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX ... 
The items were not validated and are listed as being removed, but they are still listed on my report as collection/charge offs, which is dropping my credit score ... 
Please assist ...