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

I've been trying to ascertain a copy of my credit report but I cant get pass the authentication process. I've called and spoke with someone over the phone and she and I went through the authentication process together, but none of these questions pertained to me. On XX/XX/XXXX I sent a certified letter to the company ( TransUnion ) stating and verifying my correct information. According to the US Postal Service the letter was delivered and signed for XX/XX/XXXX at XXXX XXXX. I called Transunion and spoke with someone on XX/XX/2020 at approximately XXXX XXXX  CST and was told they never received such a letter from the postal service. I'm being denied credit because of my Transunion report and I need to see why. 
I am attaching the letter that I sent to Transunion and also a photo copy of the recept I received from the postal service when it was delivered
Product: Debt collection

To CFPB, I hate to inform you as I know you are obviously busy with all the others that insist on not obeying the law. Upon checking my credit I noticed that Trans Union had something on my report from some one named XXXX XXXX XXXX, and as I searched this I noticed that this company keeps adding new charges to the balance to which I do not owe. CFPB I'm demanding that you fine Trans Union for this neglect to even check things out, this type of reporting is slanderous and we are contemplating suing them over this. As you know I have suffered tremendously with XXXX and this is adding to the stress. Take care of this CFPB!!
Product: Checking or savings account

There was an individual who fraudulently accessed and stole well over {$2000.00} from my PayPal ; some of which over-flowed to my bank. My bank was able to resole some of the charges, however PayPal has left me with a negative balance from two separate charges equally the amount in total to be XXXX. I have opened 5 separate tickets with them regarding the charges and all have been closed with no other information or refund. I am unable to select the transactions in question on XX/XX/XXXX to file a dispute for them. They request that i contact the customer service team but I was never able to get in contact with PayPal on the phone or via any other method of contact.The two transactions in question take place on XX/XX/XXXX each being {$410.00}. With no response from PayPal other incoming funds are currently paying the negative balance which is not my responsibility due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I replied to an email from the collection division of Affirm , Inc, and I told them that I never received the merchandise that ordered from them. Never received a response. So I disputed their little collection account on my XXXX credit report, and the proceeded to re-age my collection account so that it would spoils that I was currently late like 120 days in my payment. Thereby, causing my XXXX score to plummet. Fell XXXX points in less than XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a consumer, a natural person. I am demanding notice the CRA 's and the following companies broke the law. 

1. I have been denied credit for a home twice ; because of this my family may be homeless since you refused to remove these items from my credit report.

2. Your are reporting falsely to my credit report that I have been late from the following companies - XXXX XXXX XXXX Bank and XXXX, XXXX is reporting me late and there are no such thing as late payments on open ended credit plans. 

3. You have failed to remove these accounts after my previous attempts of communication with your company after my right to privacy ( 15 USC Code 6802 ) has been violated and you have no proof or validation that I was late on any payments. You have also participated in unfair practices by being one sided with the companies and not the consumer.

You have violated my right to privacy and defamation of character by providing me with deceptive forms and reporting negatively to my credit report. I have disputed this account before and nothing was done about it. The company XXXX XXXX, XXXX ( Acct # XXXX sold the debt to XXXX and XXXX and you are falsely reporting this on my credit report since this account has been charged off and there is still an balance on my report. 

I have attached the following files for your review pertaining to this compaint showing that I have been denied for credit for a home through XXXX XXXX XXXX. Also I have attached XXXX still being on my credit report after they charged it off.
Product: Credit card or prepaid card

On XX/XX/2018 my TD Bank Visa Credit Card was charged {$180.00} without my knowledge or permission. The merchant was XXXX XXXX XXXX and I never did business with this merchant nor did I receive any benefit for this transaction. I reported the transaction as fraud to TD Bank. I canceled the card and was issued a new credit card. The bank is still charging me for this transaction including interest even though TD Bank promised to remove this transaction from my account months ago. Please ask TD Bank to credit my account {$180.00} for this transaction along with any interest and fees associated with this fraudulent transaction. Thank you.
Product: Student loan

My student loan that was opened originally through XXXX in XXXX. I had good working relationship with them in handling my student loan payments. That loan was sold to Discover around XXXX or XXXX and since have not success with working out terms of my repayment which fit my current situation which resulted in a number of late payments that are showing up on my credit report from these loans. This late payment occurred due to a job loss and was underemployed for some time. I also had a child in XXXX which was an added financial stress along with these student loan debts coming due during the same time. As a result, I struggled to maintain the excessive payments I was told to pay without any regard for the lack of income I had at the time. I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the options to keep the loan in deferment/forbearance while I seek gainful employment and was only told come up with the money or get reported to the credit agency. After several years of going back and forth with this company, I am finally able to shift financial obligations around in order to get on track with keeping up payments on a regular basis. 

I am not disputing the fact that these payments were late. I am simply writing this letter in hopes of receiving a good will gesture from Discover. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where I am attempting to buy a house. Having these late payments on my credit report is making it very difficult for me to get financing for a home. As I said, I understand why these late payments are reporting, but I do not feel that they truly reflect my credit worthiness and my true payment pattern. Things would have been much different if I had been counseled and made aware of my repayment options when the loan came out of deferment. 

I am asking, as a good will gesture, that these late payments please be removed from all XXXX credit bureaus. I also have an account that was charged off because the payment was a few days late and the company still maintains and collects payment on but is showing on my credit as charged off and no payments are being made. I have taken the time to educate myself on how to avoid this from happening in the future, I have taken responsibility, and I have worked extremely hard at bringing all of my loans current and keeping up a steady pattern of positive payments. I know a lot of borrowers have struggled immensely at making timely payments and settling on fair repayment agreements with lenders over the last few years, and I would like to think that I am in the minority of people who have taken the time and effort to straighten my situation out with little to no help from anyone but myself. Hopefully my efforts will be rewarded and you can see fit to remove these late payments particularly the charge off from the XXXX credit reports as I look forward to a great future for me and my child.
Product: Mortgage

We are trying to sell our home, checked the XXXX if we have any claim against our property in XX/XX/XXXX. None recorded. While opening escrow, we received the preliminary report from the title company that we have a XXXX lien against our property by Banco Popular North America. They sold that XXXX lien to XXXX. This sale is on paper but never has been officially recorded. XXXX XXXX in XXXX, CA XXXX needs to have a recording. We tried several times to get Banco Popular to record this transaction. They refuse. We ca n't sell our home. 
The above process took place in XX/XX/XXXX, while we were under chapter XXXX bankruptcy proceedings. The XXXX Bankruptcy XXXX XXXX XXXX California declared the above XXXX lien to be entirely, permanently, and for all purposes void and unenforceable in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im am sending a second notice to XXXX XXXX, transunion and XXXX Which are all aiding in the reporting of non public information without my expressed consent Including accounts : XXXX : Account : XXXX U S DEPT OF ED/XXXX, Account Number : XXXX XXXX. Transunion : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. XXXX : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I am demanding the immediate deletion of all accounts above I have opted out of all creditors sharing my non public information and I have opted out of cras Doing the same which Puts both in default of bad buisness practices and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Advanced Resolution Services ( ARS ) on XX/XX/2021 via certified mail and they received it on XX/XX/2021. I disputed the method they used to verify this alleged bankruptcy because they stated they verified this information with a third party agency called XXXX XXXX XXXX. They did not respond to my letter. 

Per the FCRA they have failed to legally verify this alleged bankruptcy. Section 609 of the FCRA states that you MUST verify with the original furnisher of this alleged bankruptcy. This information would need to be verified with The United States Bankruptcy XXXX XXXX XXXX of Florida. 

I received a letter from The United States Bankruptcy XXXX XXXX XXXX of Florida which sates they do NOT report any information to third party agencies such as XXXX or ARS.This alleged bankruptcy needs to be deleted from my consumer file as it is NOT verified. 

I reserve the right to sue ARS for violation of my consumer rights as specified under both the FDCPA and the FCRA.
Product: Debt or credit management

On XXXX XXXX, I logged into my XXXX and XXXX accounts to view my credit report online. However, I noticed that the Credit Management Company LLC was still reporting an open collection medical debt that was past due for {$930.00}. 

On XXXX XXXX at XXXX XXXX, I spoke with XXXX XXXX XXXX the manager of Credit Management Company XXXX regarding a medical bill that was placed in collections and reported to the XXXX major credit bureaus. XXXX XXXX offered me a settlement amount of {$370.00} and assured me that the collection would be removed from my credit report if I agreed to make the payment by XX/XX/XXXX. The payment was successfully processed on that day.
Product: Student loan

Ascendium garnished my tax refund, which has since been banned by the federal government. They sent me a check for {$790.00} but that only covers the Maryland State taxes. I have tried calling but due to covid-19, I can not get in touch with anyone. They also garnished an additional {$2600.00} that should be mailed to me, from my Federal taxes.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICED ERRORS ON CONSUMER REPORT AND MADE XXXX XXXXXXXX XXXX AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. XXXX XXXX, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE. 

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XXXX XXXX  IN THE AMOUNT OF {$1800.00}, WHICH MEANS THE DEBTS 210+ DAYS PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Product: Debt collection

I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.
Product: Debt collection

Debt collector does not hold a current surety bond registered with the XXXX Of Texas. Debt collector was notified on XX/XX/XXXX, via email and certified return receipt requested through the USPS. Was asked to validate debt and until debt could be validated, asked to remove the debt from my credit report immediately. Debt collector has not responded via mail or email and is in direct violation of willful non compliance according to the FCRA and has violated the FDCPA by not validating debt and is subject to possible litigation to seek relief from violating these acts. Each independent violation is subject to a {$1000.00} fine, payable to me.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed some Hard Inquireies that I dont recognize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Subject - Mr. Cooper is my mortgage company. 

In a letter dated XX/XX/2024, from Mr. Cooper, they stated that : " our records show that your hazard insurance expired, and we do not have evidence that you have obtained coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. '' On XX/XX/XXXX, I called asking why I had received this letter - and my taxes and insurances are escrowed each month. The could not explain- they stated they will take care of it right away. 

On XX/XX/XXXX, I checked back, still not paid yet - Keep in mind my policy lapse on XX/XX/XXXX for non-payment. Obviously upset, I requested that my escrow be cancelled because I live in a hurricane zone, and hazard insurance is critical- I pay nearly {$5000.00} a year for insurance. 

I requested that my escrow account be cancelled because this could have caused me serious problems if a natural disaster had occurred and I had no insurance - they stated that I could not cancel my escrow because I got a loan modification due to the forbearance during COVID. 

However, why should I be subjected to their sloppy work as a consumer, simply because I took advantage of of a forbearance I was eligible to receive. If a natural disaster had occurred again, and I had no insurance - I would be in trouble. I would like to cancel my escrow with them if I can. They stated that they were going to mail the check for payment - last communication was XX/XX/2024 XX/XX/2024
Product: Checking or savings account

Wells Fargo wants you to believe, these unauthorized accounts are a matter of small dollar, random transfers of 10,15, 20 or so dollars between authorized and unauthorized accounts. This is grossly inaccurate. In our case, Wells Fargo opened a plethora of unauthorized checking, savings and credit cards accounts in the name of me, my husband and our businesses. Like peeling back an onion, it has taken an extraordinary amount of time and resources to discover these fraudulent accounts because Wells Fargo refused to provide a copy of the documents associated with these accounts. Wells Fargo, the organization, while simultaneously covering up their own liabilities continue aiding and embedding the parties involved in the perpetration these crimes.

And, its not just the missing money additionally, every dollar moved, transferred, wired, withdrawn ( et.al ) has taxable liabilities associated with these transactions by and through these fraudulent accounts. Making matters worse, Wells Fargo is continuing the victimization of their customers by withholding documents related to unauthorized accounts, precluding Wells Fargo victims from gaining access to the information needed in order for the victims to understand the totality of their liabilities and damages suffered. In my case, Wells Fargo told me these documents were deleted and/or purged from the system ..keep in mind, these are not old accounts. 

In addition to withholding documents from their victims, Wells Fargo has failed to comply with the stipulated agreement between Wells Fargo and their victims, to make Wells Fargo 's customers whole as a result of Wells Fargo 's fraudulent acts. Wells Fargo is being grossly untruthful with the Senate Committee, as evidenced in XXXX 2017 Wells Fargo Senate Committee meeting. The public is also misinformed. Wells Fargos victims are misinformed. 

The victimization will continue in perpetuity without further intervention from our legislative leaders. Wells Fargo is misrepresenting the depth and breadth of there deceptive practices, the number of victims who have suffered, the totality the losses suffered by the victims of Wells Fargo. Wells Fargo is continuing to withhold documents in order for the victims of Wells Fargo, such as me and my family, can determine the totality of our losses and damages and liabilities. Our family and our businesses have been devastated as a direct result of Wells Fargo 's fraudulent acts in direct connection with the systematic siphoning of money our family, our not-for-profit and related businesses.Millions of dollars are missing as a direct result. Tax levies are looming Wells Fargo is not making it right as promised. Wells Fargo is making it worse.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer services 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 the did not comply with error resolution requirements under Electronic Fraud Transfer Act ( EFTA ) and regulation E. This have caused significant inconvenience and financial loss, and I seek appropriate redress these violations.
Product: Credit reporting or other personal consumer reports

Apparent checking my credit report I have a fraudulent account from a company called XXXX XXXX. It opened up on XX/XX/2023 saying that I owe XXXX XXXX {$58.00}. I am Big on my credit {$58.00} I would have paid. I also have proof that I have a XXXX balance with XXXX, I recently moved and I took my XXXX account with me. There is no balance and I will be uploading my recent bill. I have no idea why this fraudulent account is on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit check on me and my name came up twice different ss number 1 digit off. Name and last name swapped.