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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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 see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following inquiries ; XXXX XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX  Inquiry on XX/XX/XXXX, XXXX XXXX Inquiry on XX/XX/XXXX, XXXX XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX XXXX XXXX Inquiry on XX/XX/XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

They say I owe them money for medical services from XXXX I offered to pay {$3.00} a month cause thats all I can afford, Im a senior and live on social security and Im XXXX and Im XXXX years old. The will not accept that amount.
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse of remarks you not provided me a copy of any original documentation required under 15USC 1681G ( a ) ( I ) & USC16811 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all Information Which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was listed as an authorized user on an account, ( TD Bank credit card ), in order to help a woman who was physically unable to do her own shopping or fill her prescriptions. Now, years later, I find {$21000.00} in charge-offs for that card showing up on my credit report and damaging my business credit. 

I was never an account holder, simply an authorized user. 

Disputed with no results.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a post was on XXXX the imposter said that a good friend of mine XXXX XXXX of XXXX, XXXX needed help with his father that needed to be placed in a XXXXXXXX XXXX. Showing all his belongings and the pricing. Several friends commented etc. They XXXX XXXX Zelle # XXXX XXXX hacked my phone, obtained bank information and stole {$1500.00} from our account on XX/XX/year> She posed as the sister of XXXX XXXX. Along with other XXXX XXXX, XXXX XXXX. XXXX, I contacted Zelle immediately XXXX spoke to several representatives, stating that they had insurance for this type of fraud/imposters. Finds out this was all a scam, the group is sickening to do this to good people, I filed a police report with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This type of fraud is so violating, hurtful, and terrible to prey on innocent hard-working people. I want my funds returned. Our bank can't do anything about this due to is hacked and the imposters accessed my phone etc. I am very upset and need this money returned to me. I have spoken to my attorney and we are ready to file a law suit against Zelle. 

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

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Please REMOVE the Inaccurate Late Payment History for these Collection Accounts for XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ). I do not have any payment agreement with them.The Closed Charged Off accounts from more than a year ago are Inaccurately getting reported as Open and Active by Collections Agencies. However, they are falsely reporting every month a Missed Payment or Late Payment. This is negatively affecting my report every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to file a dispute online with equifax and continue to get system errors. Called them to dispute. They said they account belongs to me but no one can provide me any proof or information about the account being mine. It was not my account and there is no proof it is mine so I want it removed from my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX SSN XXXX XX/XX/XXXX RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingTheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX andFederal Trade Commission. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) PLEASE DELETE OFF MY REPORTSincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate names, and addresses. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. NAMES : 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 are all inaccurate. Also, 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.
Product: Mortgage

I've had my mortgage financed through RPM for 4 years ( it was sold after the first month ). For the first 3 years, I had absolutely no issues. Come XX/XX/2018, everything changed. One of my payments wasnt received for whatever reason. Ive had my payments set-up through my bank ( XXXX ) web bill pay option and only increased the amount once without any other changes. In XX/XX/2018, RPM claimed they never received my XXXX payment ( it is automated to send at the end of the prior month ) and when I told them where the check was sent, they told me that I was sending them to the wrong location. I probably wouldve been evicted a couple years ago if that was true. Through multiple calls to both RPM and XXXX to locate the missing check, it was eventually determined that the payment was missing. Therefore, I put a STOP PAYMENT on the missing check and issued another one. Everything seemed ok, neither company was going to charge me for a late payment or the STOP PAYMENT fee, because this was the first mishap. Then, the next day, I checked my XXXX account ( which uploads pictures of the cashed check ) to see a picture of the check that was claimed to be missing about 4 times ( dated XX/XX/XXXX ). Not only did the check have the prior months date, it had RPMs stamp saying it was received on XX/XX/XXXX. This is the issue that caused months and months of phone calls and rage. They kept saying I was delinquent because one of my payments had a STOP PAYMENT on it, but I had already issued the replacement check for that. RPM opened a case for the investigation and told me they would get back to me, which they didnt. I called NFCU at the end of XXXX and talked to a representative for 40 minutes to confirm that my cash flow was reflective of timely payments and no missed payments. They confirmed. I took a deep breath to prepare myself for the next call. I called and to my surprise they said my account was fine and I wasnt delinquent and all payments are accounted for. I was more than excited, but told myself I would keep a closer eye on this and make sure my payments were cashed. XXXX and XXXX were great or so I thought. They were receiving my checks, but my statements were still reflective of me being behind a month. I called in XXXX to get the online documents reflective of what I was told. Remember, my payments are sent out at the end of the prior month, so when I called RPM around XXXX, they claimed they hadnt received my XXXX payment until XX/XX/XXXX? Maybe XXXX the XXXX works in their mailroom and stashes my payments to make me delinquent? Again, they confirm with that payment, I am not delinquent. This time I ask for a corrected statement. I received a corrected XXXX XXXX. Come XX/XX/XXXX, I get a delinquent notice again. So, I called them again, turns out they have the payment. I was so focused on the amount owed, that I wasnt reading the rest of the statement. Turns out Ive also been charged {$120.00} in late fees, which says to me they purposely hold my payments to collect that late fee. I have not mentally prepared to call and get those funds credited back to me yet. I rather decided it was time for a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a company ( Mariner Finance ) that is continually doing hard credit inquiries with out permission every month. I received a loan from the over 2 years ago and acct has been closed but they continues to do inquiries every month, and that is showing on my credit report. I spoke to XXXX rep and was adv to file a complaint because other than the one time I have never given them permission again.
Product: Debt collection

To whom it may concern. 

In XXXX of 2021, I found myself unable to log in to my Suntrust account, the branches were closed and there was nobody answering my calls. 

I was unable to manage my account and unable to prevent a miniscule automated charge from hitting my " STRICTLY NO OVERDRAW '' account. 

That made me feel sick, so I immediately switched my direct deposit to a different bank until this could be resolved and they have never been willing to resolve it. 

Meanwhile they sponsor the XXXX? 

I have spend countless hours trying to communicate with them and spent about a day 's worth of time waiting on hold for them. 

Their branch manager told me in person after I was unable to find a resolution through other avenues, to forget about it and they will probably wipe out the negative balance and close the account, because of what happened to me... 

LOL, I guess they just bullshitted me to my face or lied? 

I reported them here months ago and received a letter yesterday that was just another attempt to make me pay for the heinous headaches their failures as a bank caused me. 


They have been insulting to me, belittling, and deceptive. 

They are trying to position themselves to put the shame of their failure onto my name unless I pay for their mistakes. 

Any charges that occurred on that account after XXXX were not even under my control, they screwed up my account access and I didn't have time to wait on hold with them, I don't even have time now, and you don't have time... 

Almost seems like I was privately targeted by somebody within their company. 

I honestly think this was just somebody in their company who didn't like me that was trying to mess with my life and didn't care about losing me as a customer. 

I have had to deal with customer service agents who did not have adequate comprehension of the English language and they have failed to even address me properly after I have tried to be as personable and relatable to them as I can be. 

They are truly strangers, make me feel like they are some kind of domestically subversive financers of societal denigration. 

They should be a bank for people with 6 figures only, they simply have 0 respect for accounts that do not have large stagnant balance for them to profit on.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 602 A SECTION 2 : it also states a consumer reporting agency connot furnish account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to ProCollect regarding a collections account they placed on my credit report asking them to validate the debt. In response I received a detailed bill and a " copy '' of a lease that was allegedly signed by me. The information they sent me did not include a copy of my ID or drivers license and the signature is not mines however this company continues to report tradeline to the 3 major credit bureaus. This is creating major issues for me such as job declines, higher interest rates, lower credit scores, and application rejects for balances owed. I believe this account DOES NOT belong to me, under the Fair Credit Reporting Act all unverified accounts must be deleted. I contacted the apartment complex XXXX XXXX XXXX directly which they advised they don't have any information pertaining to previous residents. That also stated that XXXX was a previous apt management company that managed billing and is no longer in business. I contacted the corporate office which stated they have no information due to XXXX managing in the past and they are no longer in business. They stated they are under new management and unable to assist me, so HOW DID PROCOLLECT PROPERLY VALDATE THIS DEBT? The only information I received from ProCollect was a copy of a application, detailed bill, and a copy of a lease that I allegedly signed which I DID NOT. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the proper evidence as requested. A fraud alert has been on my credit report due to my identity being stolen, so a copy of my ID or Drivers license should be on file for verification purposes, and none was sent with the information Procollect sent me. The information on the application DOES NOT belong to me, THE SIGNATURE is NOT MINES. I never lived on XXXX XXXX which is listed on the apartment application, anyone can have my employment information. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.
Product: Credit card or prepaid card

The amount on the credit report is not correct.other acc is beyond the statue of limitations.. And Im still being contacted by debt collector
Product: Mortgage

It has come to my attention that Citimortgage was required to pay back some monies to consumers. When we tried to modify our mortgage in 2012 with Citimortgage we were unable to do so. Instead of helping us they sold the mortgage to XXXX a year later. Since that time we ultimately lost our home and any hope for ever getting another one. Our life savings were invested in that house. Can you share the specifics with us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately
Product: Student loan

American Education Services ( AES ) -- my student loan company -- has reported me 30 days late to my XXXX credit bureaus for the month of XX/XX/XXXX while I was in an approved forbearance. <P/>I have attached Forbearance Requests for : ( All of which were approved. ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have also attached the approval letters from AES approving my forbearance requests. In addition to the fact that I was in forbearance when they reported me as 30 days late, in regards to AES 's XX/XX/XXXX policy surrounding approved forbearances covering and reversing any late payments, for both of those reasons, I should not have been reported to the credit bureaus as late. <P/>CFPB, I need your help. Please help me get this issue corrected. I plan to refinance these loans to get away from this horrible company. I need your help. My credit score dropped XXXX points because of their inaccurate reporting. <P/>Thank you so much! I am so thankful for you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted SYNCBXXXX  letting them know of my situation. They close my account and put me on a payment plan. I was making my payments on time before the pandemic and after I was put on a payment plan, I continued making my payments. 
I contacted them and asked them to remove the late payments due to the pandemic letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. My credit card # is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because SYNCBXXXX derogatory information is affecting my credit score and my ability to do so. Please call me if you have any questions XXXX. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from XXXX and Equifax showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.