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

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # I contacted TransUnion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Product: Credit reporting or other personal consumer reports

I recently looked at my account and noticed a new account on my credit report. This account was open by mistake and the creator had closed this account. Please delete this account off my credit repost XXXX XXXX XXXX XXXX {$360.00}
Product: Debt collection

Collector has reached out to me several times. They call from an internet based number. They do not identify themselves in the voicemails and give no information about being a debt collector. Additionally, their website has a section to settle debts but it is not operating, therefore, forcing you to call them. Also, the letters they sent me, have the account number backwards, making it difficult to login on their website, I had to figure this out on my own. This is for a utility bill that I settled prior to moving and bill says " supplies '' yet I had no supplies delivered.
Product: Vehicle loan or lease

I recently received verification for my account, in which it stated Santander Consumer sent out the right to redeem, notice of sale, and post sale notices. In the past, I do not remember receiving those documents. I have asked to be provided with the certified tracking information as proof that I signed and received those documents. Due to the inability to prove that the documents were received, I request that this account be deleted, as it is a violation of the Fair Credit Reporting Act.
Product: Student loan

I completed my education with approximately {$45000.00} in school loan debts. A few years after beginning repayment, I consolidated the remaining {$41000.00} in debts. Over the years I have paid over {$95000.00} toward this debt. The prinicple on this loan remains over {$37000.00}. So of the {$95000.00} I have paid toward my education debt, only {$4000.00} has been counted toward paying down the debt. This seems criminal! Can you help?
Product: Vehicle loan or lease

The BridgecrestXXXX website lacks transparency. There is no way for a customer to view their historical loan balances nor the amount of interest paid. There is no monthly statement provided either. To my knowledge, I never received an annual disclosure or any kind of regular statement in the mail about my loan. All I was looking for was the ending loan balance at XX/XX/2023 and the interest paid for the year XXXX and that information was not available on their website.
Product: Mortgage

I have been trying to pay off my mortgage since XXXX/XXXX/15. I first attempted to have my bank make a payment only to be told by XXXX/XXXX/15 that my mortgage company, LoanCare did not receive the payment and that my bank had sent it to the wrong address. I later learned that this was incorrect information and that in fact the address was correct. I then stopped payment on the check since no one at LoanCare could tell me if they had received the check and the customer service rep had advised me the payment in the amount of {$90000.00} was mailed to the wrong address. LoanCare cashed the check the next day ( XXXX/XXXX/15 ) and charged me a {$30.00} NSF fee. 
I then spoke to a supervisor who told me that it would be best to wire the funds -- I did this on XXXX/XXXX/15. My bank confirmed the funds ( {$91000.00} ) were wired on XXXX/XXXX/15, and I called LoanCare almost every day following only to have the customer service reps tell me that they still had not received the funds. Of course, there was no one they could transfer me to to let me know if they had received the funds. I called back again today XXXX/XXXX/15 only to be told that they had received the funds XXXX/XXXX/15 but had sent back the funds today because it was {$490.00} short to pay off the loan. According to their own payoff wiring instructions attached " payoff funds must be sufficient to cover all escrow advances, interest, prepayment penalties, principal, and changes. Payoffs that do not meet these requirements will be retired if additional funds are not received within two business days after payoff department has made contact. '' No one from the payoff department or my mortgage company has ever bothered to contact me regarding the extra {$490.00} needed to pay off my mortgage. I still do not have my {$91000.00} that they kept from XX/XX/XXXX to XXXX/XXXX/15 only their word that it was " returned. ''
Product: Mortgage

Wells Fargo altered the Title Vesting and put a Cloud on the chain of Ownership by FRAUD and refuse to correct their fraudulent behavior. 

1 ) XX/XX/XXXX Refinance Documents : All Documents were Initialed, Signed, and Notarized by Borrowers ( Customers ) and Notary and accepted by XXXX XXXX. They included the preliminary ( approved on XX/XX/XXXX ) Loan Information and Vesting Instructions of Title as required for a XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Documents requested Vesting of Title Change by Borrowers ( Customers ) for 1 ) Estate Reasons 2 ) Title Requirements ( XXXX Deed was an accommodation Deed and could not be re-used ) Customers were myself, XXXX, and my XXXX  ( over XXXX ) Parents. Wells Fargo was aware of the XXXX and Elder situation and appears to have been abusive by taking advantage of the situation, 2 ) Upon completion of documents, yet prior to Recording Documents with the XXXX XXXX XXXX Recorder, XXXX XXXX sent said documents to XXXX XXXX of Wells Fargo in an out of state location ( Arizona ) 3 )  Wells Fargo sent Documents they ALTERED to the XXXX XXXX XXXX Recorder. The Alterations do not agree with the referenced documents in the Notarized and Recorded Document, They do not agree with what was approved by XXXX XXXX XXXX. They put a cloud on Ownership chain and on title. 
4 ) TO COVER UP THEIR FRAUD, Wells Fargo sent the Recorded Documents to themselves in Minnesota, rather than the Buyer and left all documents regarding the transaction in the two names that would have been vested on Title. The also sent, when the loan was paid in full, the reconveyance letter to Florida where It did not belong. ( I received a Reconveyence for a Florida Home and I do not have Florida property ) When I discovered the error ( Taxes and XXXX  ) I contacted Wells Fargo and noted their error and they stated, they didnt care if they serviced the loan incorrectly since I paid it off. 
Eventually they reviewed it and stated they always pocket the money for a Title Change and leave the Title the way it is since Title only matters to the Owner. 
They review documents and refer to XXXX Documents that they can not use, yet Wells Fargo has a new and more bizarre excuse each time. 

The fact : I paid to have the Title Vested one way. My XXXX Parents and I Signed the Documents, had them notarized and submitted them to vest it that way. The Loan was contingent on the home being Vested ( Title Held ) the way the Customers signed and had it notarized by Federal Law. 

Wells Fargo altered the Vesting that was used to obtain funds. Wells Fargo broke Federal Banking Laws. Wells Fargo also altered Notarized Legal Documents and they have no signed nor referenced documentation as to why in the documents they Recorded with XXXX XXXX XXXX. They also have no signed, acknowledged, notarized, or initialed documents allowing their alterations. 

Wells Fargo altered the Title Vesting and put a Cloud on Ownership Chain by FRAUD and they refuse to correct their fraud.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

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

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 

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

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

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

I have been disputing with XXXX, Experian, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because XXXX does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX and another company which name I can't recall. I have faxed them, email them, US postal service and only XXXX had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of Experian and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent XXXX, Experian, and XXXX.
Product: Debt collection

The collection appeared on my credit file with an inflated amount after XXXX XXXX XXXX promised to remove fees. I called the collection company in XXXX and spoke with the representative. The representative stated that even if I paid the incorrect amount in full that the collection would not be deleted/removed, thereby damaging my credit for 7 years. The collection rep stated that there was nothing I could do and my credit is going to have to be damaged regardless of whether I settle and agree to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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
Product: Money transfer, virtual currency, or money service

I sold some crypto currency for cash on coin base. They were having issues with transactions to XXXX XXXX, the issue has been resolved but still my funds are not available in XXXX and when I try contacting them they keep coming up with different excuses and closed my case!! I still haven't received my funds and can not get a straight answer from anyone or even any communication anymore.
Product: Prepaid card

I have 5 AMEX gift cards for {$250.00} each. I have verified on the AMEX check balance website that they are all active and all have the full balance of {$250.00} each. I have tried to use these everywhere ( online, in-person, XXXX, etc ), but they are denied every time. I called the help center and they just say try to use it somewhere else. They have been no help. There are many forums online with hundreds of posts from people with the same issue. These gift cards seem like a scam.
Product: Debt collection

XXXX XXXX equipment was taken back to a proper location after service had ended. The convertor box was taken in by a XXXX representative and a receipt was issued. However box was serial number was not entered into system as returned. Two years later XXXX posted a collection charge of {$430.00} on my credit bureau and is been trying to collect. I have contested numerous times with all 3 agencies, and the 3 agencies took the side of the vendor stating debt is legit without actually investigating it properly. Please help me remove this debt collection on my bureaus which is shown under Midland Credit Debt Collection company. Regardless this is a very old debt now, way over 4 years. Please help me!
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting credit act this creditor has violated my rights. Under15USC 1681 section 602, states I have rights to privacy. 15USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor my not treat a payment on a credit card account under a and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App (, Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPDA ). 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

XXXX offered a {$100.00} gift card when applying for aDiscoverXXXX Card. I clicked on the link, applied and compliedwith the requirements. The requirement was to make XXXXpurchase with the card within 3 months. It did not say thatthe purchase had to be with XXXX. After a few months, Icontacted the bank, and they said they knew nothing of theoffer. I contacted them again and the management saidI did not apply for the right card. XXXX denied anyknowledge of the offer, although it was on their website. 
I would not have applied for the card, but for the offer.
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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Their failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
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 ( XXXX ). 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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my wife XXXX XXXX was scammed. A scammer hacked her XXXX account and froze it so she couldnt access it. She then looked up XXXX phone number on XXXX and called it thinking she was calling XXXX. The scammer answered and had her download a app called XXXX  which aloud him remote access to her phone including her venmo account, since he had control he sent money to a trusted friend which was my father XXXX XXXX. He used her account to send 5 different transactions worth XXXX dollars and each time he said they didnt work, he then got a hold of my dad and had him install the same app XXXX  and then sent it to a different account but told XXXX he was sending it back to XXXX XXXX After we realized it was a scam we immediately had our XXXX  checking account flagged and froze. We even filed a police report with our local police department. Venmo never heard from our bank so they fronted the money before XXXX  denied the authorization and is now telling us since they fronted the money we owe them the XXXX dollars and are threatening us with debt collection if its not paid. We have reached out to them by email several times explaining the situation and even sending them proof from our bank that they didnt authorize any payments. Each time they have denied our claim and my dads claims hes filed with them as well. Please help us, XXXX is a lot of money to be scammed out of.
Product: Credit reporting

Hello two months ago my Credit score was XXXX and Today it is reported as XXXX 0r XXXX. I want to know why? All of my accounts are current and up to date:1. I should have XXXX credit card lines = all up to date and current XXXX with a XXXX Balance Never late2. My name should be spelled correctly ( XXXX XXXX XXXX ) 3. I have a car loan all up to date never late4. Public Record? would need to know what is there5. A personal Loan ( up to date and NEVER Late ) Why is my score so low?
Product: Checking or savings account

On the XXXX of every month I have an automatic external transfer done from my people 's united bank checking account to my XXXX  checking account. People 's withdrew {$1100.00} from my checking account on XX/XX/22 for my external transfer to XXXX XXXX. XXXX should have received it XX/XX/22. Effective XX/XX/22, Peoples transitioned over to M & T bank. As of XX/XX/22, XXXX still has not received my XX/XX/22 external transfer from Peoples bank. I have been to Peoples/M & T bank since they reopened on XX/XX/22 ( the transition occurred all XXXXXXXX XXXX weekend ) every day asking what the problem is and all they say is that they are looking into the issue, they can't get the history because it was done while under Peoples realm, they don't have any tracking number for this external transfer and they have no idea where the {$1100.00} went. XXXX XXXX  says they don't have anything in their system under my name, address, account number or social security code so it never went to XXXX XXXX. It's now been 14 days since this transfer was done and no resolution has been reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only one response back from TransUnion saying they weren't going to do anything. Please help
Product: Debt collection

I am reaching out agin looking for answers and help in regards to my well Fargo XXXX I Previously sent out a complaint and in regards to this account Wells fargo did not give me the Opportunity to pay off my remaining balance. Now I see a decision that was made and we're XXXX regards to the 1st to the 1st complaint that XXXX did I sent out. Wells Fargo stated that day extended my time to XX/XX/2020, now at that time that did not help me I did not have XXXX XXXX  and I was unable to make the payments.and was done on There behalf was they put the payments on a freeze, Which still had an interest charge that was gon na be added At this time I'm reaching out again to ask for some help I would like to pay my remaining balance that I had before we went into the pandemic. The closing letter is the same letter that they sent to me years ago. If there's any type of help it is XXXX 's day that I'm being charged at interest charge that charge that was waved off by all companies when we was going through this pandemic. I understand the initial agreement agreement but I did not know that I was gon na be XXXX  XXXX  months into the year can somebody please help me with this situation.