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

This is yet another in a very long of complaints about these two companies in this regard. CFPB has not done their jobs by stepping in and mediating, enforcing fairness, law, and the FCRA. Several months ago, and as I've already reported here to CFPB ad nauseum, both Experian XXXX XXXX have lowered my score precipitously, by XXXX points & XXXX points respectively, without any wrongdoing on my part, and without explanation or rationale. Now, I expect the CFPB to defend me here by demanding that these XXXX companies restore the points that they've deducted from my score without reason to do so. Simple. I also demand a clear XXXX explanation from both companies as to why the did what they did, and not a pre-programmed or scripted rebuttal in response. Do your job. You're supposed to be working to counteract and defend against unscrupulous credit practices, and this is a glaring example of XXXX such practices. No, this is not involving a dispute. Restore my points immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX, GA XXXX RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT VERIFIABLE PERMISSIBLE PURPOSE RE : REFUSAL TO SEND ACDV, CARBON COPIES, FROZEN SCANS RE : REFUSAL TO SEND INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT I AM COMPILING ALL INFORMATION PRE-LITIGATION/PRE-ARBITRATION I XXXXXXXX XXXXFederally Protected Consumer to XXXX, EQUIFAX, XXXX. I am a natural person who is at all times relevant. 

Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. WHY WERE EACH OF THESE INQUIRIES MADE AND PLEASE SEND ME EACH COMPANY PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 
Your agency has stated you have completed a proper investigation into EACH ACCOUNT I previously requested your agency investigate. Your agency stated you have contacted each Creditor And you verified each account in question as verified accurate, correct, and complete. PLEASE SEND ME PHYSICAL VERIFIABLE PROOF FROM EACH CREDITOR IN QUESTION OF PROOF EACH ACCOUNT IS REPORTING ACCURATELY, CORRECTLY, AND COMPLETELY. 
( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY PLEASE SEND A COPY OF EACH INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of consumer reports
Product: Checking or savings account

I went to a mechanic while on vacation in XXXX XXXX as my cylinder was mis firing in my car. 

Upon completion of the work I presented my card to the receptionist who ran it, when I saw the receipt and saw that I was charged a higher amount in credit card fees, I asked what this was and they said it was to help cover their cost for the payment processing fees. I told her I wanted to pay cash and not incur these extra fees, so they told me it was just an authorization that they would and that I could pay them in cash. So I went to the atm took out cash and paid them to avoid the fees.

I told my bank wells fargo multiple times about what happened, but they dont care to fix it or follow up with me or give me any updates and now a service that should have cost me roughly {$400.00} has cost me over {$800.00} and they wont do anything about iXXXX XXXX XXXX XXXX {$410.00} Transaction : XX/XX/year> Posted : XX/XX/year> Merchant info XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Additional info Method Card Inserted Category Other Auto/Transportation
Product: Debt collection

Tried to dispute an item from Gold key credit from my credit bureau, they stated I have a balance of {$460.00}, asked them to provide me with evidence of my debt and they only send a statement, no signature, no contract. I faked this to be remove from my credit and they refused.
Product: Credit card or prepaid card

I have the Chime card. I was attempting to use it on XX/XX/XXXX and when putting in the cvv code it said wrong code. I checked my card and it was correct so I tried again, same thing three times. I then tried to chat on their app with customer service and it would not open up. I tried several more times with no success. At this point I checked online and saw that many, many people were experiencing the same problems, not able to use their card, being stuck in restaurants or stores without being able to pay. Their app had obviously been hacked. I called their customer service and after hours finally got through to someone who said they were helping but it was a scammer. Chime had recently added a pay anyone option and the person helping ended up being a scammer and through the pay anyone option sent all my money to him except for XXXX cents. I reported it immediately and filed a complaint. They said they would do an investigation and have an answer in ten days. Well they sent their answer less than 24 hours later and said no error occurred and would not give me my {$250.00} back! I called and went through the same thing three times before giving up hope they would help. The customer service people were all people whom English was clearly not their first language and I couldnt understand them nor could they understand me. They kept thinking I had used the pay anyone option and sent this person the money willingly however I never used it even once. The scammer had hacked into Chimes own app as this happened to hundreds upon hundreds people I saw online and had hacked into the pay anyone feature and taken their money and they said the same thing to them, no error occurred. They refuse to budge and obviously did zero investigation into anything as it was always an quick response. Their app was scanned, this is clearly their fault but they are just refusing to give people their money back. I thought they had insurance? This is no way to treat customers. I have plenty of screen shots from that day of people reporting the same thing. I am a XXXX senior citizen living on a tight fixed income and I need that money badly. Can you help? I have exhausted all efforts with Chime. Isnt it illegal to do this? I can add screen shots if needed.
Product: Checking or savings account

We were notified about a ownership error that needed to be addressed at the bank, we went to the branch and had a banker help us out, we had all the required paperwork to fix the error, the banker assured us it was handled, a few weeks later I get a notification about this again and that the account will be closed if we dont take care of it, I call the banker to let her know about the notification and she said she will check into it, she told me she looked into it, and they assured her it was taken care of, I started getting letters, letting me know that account will be closed. If its not taken care of, I called the banker again to let them know and they showed me they will take care of it. They got back to me letting me know its all taken care of, this went on back-and-forth for I think about two months, on XX/XX/XXXX we received a letter dated XX/XX/XXXX letting us know our account will be closed XX/XX/XXXX, our account has been restricted since and we have no access to our funds to run, day-to-day operations, how is it possible that the communication between the bankers and customer care is so unreliable for them to close our account that has been with them for over 15 years, this is crazy,
Product: Debt collection

A credit card was opened under my name years back with XXXX  XXXX XXXX. I only learned of it when it was placed in collections to Midland Funding LLC. I contacted them at XXXX ( XXXX ) XXXX on multiple occasions to inform them that this account was a fraudulent account. In XXXX I called to figure out a way to get the collection off my credit, their solution was to pay {$130.00} and they will remove the collection. I was given a receipt, I was informed that I would receive documentation through the USPS mail. Although the account was fraudulent, I really needed my credit fixed. Out of desperation I gave them my banking information. As of XX/XX/2023, my credit score is heavily compromised by the collection company failing to report. Today I called XXXX ( XXXX ) XXXX ironically the number is no longer a working number. How are people getting away with stealing from hard working individuals. In total I have loss {$130.00} and I have a {$380.00} collection from Midland Funding LLC on my credit report.
Product: Credit reporting or other personal consumer reports

This morning, I discovered some incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time I found unexpected discrepancies. I even refreshed my browser to see if it was just a temporary glitch, but the inaccurate accounts remained. Given this situation, I request a thorough review of the documents I have provided to ensure I won't have to worry about this again.
Product: Vehicle loan or lease

I lending direct sent a payoff to bridgecrest on a XXXX XXXX XXXX. This payoff was received on XX/XX/XXXX. The XXXX  tracking number is XXXX. It was signed for by XXXX XXXX. A week later I inquired with bridgecrest about the payoff as it had not yet been applied. They told me they received the payoff, they sort and forward those payoffs to a secondary location. I asked if the new lender sent the payoff to the wrong address. I was told " no, that is our process ''. I asked if the payment would be applied as of the date it was received. I was told " no, interest continues to acrue until we process it ''. The payment was processed on XX/XX/XXXX. I called today and inquired about the application of this payoff. Again they agreed they received it on the XXXX of XXXX but that the interest continued to accrue until XX/XX/XXXX. According to what I have read on your website, this practice is illegal. They seem to have this process in place specifically to continue to charge interest for a significant amount of time after the payoffs are received. Thank you for looking into this matter. I do not know the account number. The account is now gone from their online portal so I can not look it up. They usually look me up with my name, XXXX, and the last 4 o my ssn.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the fair credit reporting act 15 usc 1681 section 602 ( a ) it says there's a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for consumer rights to privacy. XXXX and XXXX are consumer reporting agencies and I'm the consumer.my right to make sure my private information isn't shared is backed by 15 usc 6801. That says it's policy of Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of the consumers and to protect the security and confidntuality of those consumers Private information .furnisher of information to credit agencies is a financial institution by definition under title 15 usc 1681section 604 a section that says in general subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other. In accordance with the written instructions of the consumer to who it relates ( furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX don't have my consent to furnish this information, nor do they have my written consent .any and all consent to XXXX and XXXX ( furnisher of information to credit agencies ) whether it be verbal or non verbal written, implied or otherwise revoked.15usc6802 ( b ) ( c ) says that a finance institution may not disclose non public personal information to a non affiliated 3rd party unless the consumer is given a explanation on how the consumer can exercise that non disclosure option. ( furnisher of information to credit agencies ) never informed me of my right to use my non disclosure option not only that,15 usc1681 ( a ) ( 5 ) says except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report more than 7yrs. This account is an adverse item they are reporting again without my permission which is against the law. 15 usc 1681s-2 ( A ) ( 1 ) A, says a person shall not furnish any information relating to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 usc 1681e says every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed listed under 1681b of this titleXXXX and XXXX are not maintaining reasonable procedures designed to avoid violations of section 1681c of this titleXXXX and XXXX are not maintaining reasonable procedures. 12CFR 1016.7 SAYS that a consumer may exercise the right to opt out at anytime. " I am opting out of their reporting services ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer XXXX XXXX. I do not work for XXXX XXXX. I work for XXXX. Explained this before
Product: Credit reporting or other personal consumer reports

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Harris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Subject : Formal Request for Account Information Dear Sir/Madam, I am writing to formally request specific information regarding the account associated with me, currently reported under your collection agency. Please provide the following details for my records : 1. The date of delinquency for this account.

2. The date of the last payment made on this account.

3. The date the account was charged off by the original creditor. 
Please note that this is not a dispute but a formal request for information. I appreciate your cooperation and request that you provide the requested details in writing at your earliest convenience. 
Thank you for your time and assistance. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My repeated attempts to resolve the issue of fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are completely unrelated to me, and I am not responsible for them in any way. Their presence has caused me significant mental anguish and financial difficulty. As an identity theft victim, I may need to pursue legal action if this isn't properly addressed. These false and fraudulent entries have prevented me from purchasing my dream home and adequately providing for my family. The impact on my financial health has been severe. I've attached a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I opened my EQUIFAX credit report and there was an hard inquiry from XXXX on XX/XX/2023 that I did not recognize. I never applied for this credit card and this inquiry is a result of fraudulent activity and identity theft. I don't know who applied for this credit card in my name but it definitely was not me.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus
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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Product: Mortgage

I fell behind on my mortgage last year because of unexpected medical due to a road accident, I tried working out on options to catchup on my mortgage payments with my mortgage company, they don't seem to help me in any way, I was turned down for a loan modification in the month of  XXXX stating they can't give me a loan modification.

I only need a chance to start paying my mortgage, I currently owe close to {$36000.00} in arrears, and I need a repayment plan.
Product: Mortgage

My loan servicing was sold to Loan Depot. I have an impound account for my taxes and insurance. There is a balance in that account of {$4300.00}. I received a supplemental tax bill and followed the instructions on the back of my mortgage statement from Loan Depot and faxed it to the Tax Bill fax number. They did not pay the bill. I received a late notice and faxed the bill a XXXX time. They still did n't pay it. I called today and was told they do n't pay supplemental tax bills and that I would need to fax the bill to yet another person and that they would mail me the money so I can pay the bill. This is costing me {$46.00} in late fees when this servicer is holding onto over {$4300.00} of MY MONEY that is set aside to pay tax and insurance bills. When I asked the phone rep what happened to the bills that I faxed in, I was told that they shred them. This is a complete rip off to the consumer and had I been notified of this policy when I faxed the bill. I could have received the funds and paid the bill on time. This should be illegal to rip off a consumer in this manner.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXXXXXX ....
Product: Debt collection

This company is trying to charge me excessive amount of late fees and additional administrative costs to pay off this debt and continues to charge monthly additional fees on top of the debt... I do not have any agreement in writing or they do not have an agreement that verify the validity of the debt in the first place. They can not prove that I agreed to anything. They do not have this paperwork that they can furnish i have asked for it. Please help me to stop this collection agency from these false claims and erroneous charges. I will be charged XXXX a month until it is paid according to them and the XXXX association who i tried to call today to clear this up and they said there is nothing they can so to help me out.. They also continue to increase the XXXX fees every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.