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 n 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I Cashed Out {$600.00} From CashApp This Money Was Supposed To Go To My XXXX Account Which I Didnt Know At That Time That My XXXX  Account Was Closed When I Contacted The Bank They Told Me The Funds Would Be Rejected And Automatically Sent Back To Wheres They Came From Which Would Be CashApp Give It 7-10 Days To Let It Reverse. 
I Contacted CashApp Also And Said Hey This {$600.00} Went To A Closed Account And I Keep Getting The Same Robot Response From CashApp Which Is Funds Typically Arrive 3 Days Contact The Bank The Bank May Hold Funds Until You Contact Them And Issue A Check To The Address On File. 
XXXX Says They Dont Have Anything To Do With It Because I Didnt Have A Account At The Time And They Gave Me My Last Bank Statement Verified That The Account Was Closed On XX/XX/2020 And I Also Went And Got A Letter On Bank Letterhead That Ive Uploaded To CashApp. 
So Going On 2 Years Now Im Getting Nowhere With This Missing {$600.00} That Got Lost In Cyber Space Between CashApp And XXXX. 
Ive Emailed CashApp Asking Can Someone Check The ACH Portal.. Or The Pool That Their Holding Other People Funds In, Ive Asked Did Someone Accept These Funds Back Once The Bank Sent Them Back To Them, Ive Even Asked About Insurance Claim To Cover These Funds Thats Lost In Cyber Space Between CashApp And XXXX
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 XXXXXXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

My credit report contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed this late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated it and the bank also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from Pinnacle debt services asking me to call their phone number at XXXX from XXXX, Florida I do not know who these people are and do not owe money to anyone. My credit rating is very high. No money issues. The message said I must call them back immediately, which I did not and wo n't How do I stop them from calling?
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I froze my credit with all three credit bureaus. I recently decided to purchase a house and needed to unfreeze my credit to secure a loan. I had no problem with XXXX or XXXX unfreezing my credit. However, I can not get Transunion to unfreeze my credit. Within the last month I have tried multiple times online and over the phone to unfreeze my credit with Transunion. Each time I am told they can not authenticate my identity even though I have given them all my personal information. My banker has given me multiple phone numbers to try to reach a U.S. representative with Transunion but each number I call is a call center in a foreign country. I have asked to speak with a supervisor with no success. I have asked to be transferred to a U.S. representative with no success. I do not know how to get this resolved so that I can get my loan approved. My credit is excellent. I don't owe any money and always pay off my credit card each month. I can not even put in an offer on a house until I get an approval letter from the bank for a loan which I can not do until Transunion will unfreeze my credit. Please help me get this resolved.
Product: Credit card or prepaid card

Beginning from XX/XX/2018, a list of unauthorized and fraudulent transactions totaling {$32000.00} had posted onto my card statements. Each time I called, and continue to call for an update, it seems that each representative had a different piece of information. Most try to end the call quickly, providing an incredible lack of customer service, by saying there was no information showing on their side which was false and proven by more aware representatives - giving me consistent anxiety as I made endless due diligence in following up with this matter. Bank of America made a disappointing breach to their {$0.00} Fraud Liability Guarantee even after confirming that I received no security notification from them of the transactions that posted onto my account. I have went ahead and attached Bank of America 's disappointing letterhead breaching their {$0.00} Fraud Liability Guarantee. To this date, I still have not been rightfully credited by Bank of America for the fraudulent transactions even after consistent due diligence and daily follow ups with relevant documentations pertaining my fraud claim.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$280.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2900.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$520.00} UNKNOWN # XXXX XX/XX/XXXX -- {$95.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On or about XX/XX/2020 I decided to close a checking and savings account that I had with Simple Finance ( BBVA ) for approximately 5 months. The service was disgustingly poor and their web banking interface incompetently designed. The instructions on their website said to send them a message indicating I desired to close my account and they would reply promptly and close the account. After three business days they failed to reply so I was forced to call them. After speaking with them, they told me it takes them almost a month to close an account even though there is a balance of {$0.00}. They further stated that this delay is due to BBVA requirements. I want the accounts closed now. I do not want to maintain any account or connection with Simple Finance and / or BBVA any longer. I doubt there is any residual interest due as I immediately drained the account as soon as interest posted for last month. If there is any interest due, they must send me a check.
Product: Debt collection

XX/XX/year>. I requested information on the phone with the collection company. I was told they would put a link on my home. I couldn't get the caller to tell me what my debt was. Now I see they are increasing my debt by XXXX every month.
Product: Credit card or prepaid card

Hi, I purchased airline tickets ( Frontier ) with my XXXX card totaling {$820.00}. I was scheduled to fly to XXXX XXXX with my family on XX/XX/XXXX. However due to Covid 19 the airline cancelled on XX/XX/XXXX. They never offered a refund but instead offered vouchers that had to be redeemed within 90 days. th. Much to my dismay having recovered from XXXX as I have proof of being tested positive for the antibody and my family also suffered a XXXX due to this virus, I contacted the airlines and they refused to give me a refund for something I was not able to redeem. The trip was canceled due to COVID19 and we had time to redeem vouchers for an unrealistic timeframe as States/Government official stop traveling for that time and we are still considered to fly at our own risk. Other airlines provided a reasonable timeframe to rebook up until XX/XX/2022and under different circumstances refund you if you were affected by COVID19. I tried disputing the charges but XXXX card gave me a temporary credit but recharged the charges on my account even after explaining that the vouchers no longer work because they had to be used by XXXX XXXX. We are still dealing with a global pandemic and it is unrealistic to book or plan a trip as we are still dealing with alot. Please help me dispute the charges.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I requested a copy of my credit report. Upon review I saw an account that was not mine. I contacted XXXX who removed it. I contacted Experian who responded XX/XX/XXXX that they needed more time. On XX/XX/XXXX Experian reported the information was correct and would not remove the account # XXXX. I disagreed and contacted XXXX. They sent a form letter XX/XX/XXXX saying they didn't have enough information and asked me to complete and return a form, also stating they couldn't find the account. I did this and got the same form letter dated XX/XX/XXXX that they couldn't find the account. I responded sending I couldn't locate it either as it wasn't mine and if they found who was paying it they would know the account. Also the account was opened XXXX  years after my current address and the card was never sent here and payments were not from me. XX/XX/XXXX was another of the same form letter. I was finally able to reach XXXX at XXXX XX/XX/XXXX and explained the situation including that the balance due had significantly increased. She agreed there was no account with my social security number and would refer the matter to their fraud dept. Just received the same XXXX form letter dated XX/XX/XXXX again can't locate account and would continue to report it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for reporting inaccurate public records information on my credit report. Specifically, both agencies are reporting a dismissed XXXX  XXXX bankruptcy ( Case # XXXX ), which is damaging my credit reputation and score. 

Details of the Inaccuracy : Bankruptcy was dismissed on XX/XX/year>, providing no financial relief or court-declared insolvency. 
Bankruptcy courts do not report directly to credit reporting agencies, which calls into question the accuracy and source of this information. 
Despite my previous dispute, the CRAs claimed the information was verified but failed to provide documentation supporting its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy. 
15 U.S.C. 1681i ( a ) : Obligation to conduct a reasonable reinvestigation. 
Harm Caused : The inaccurate reporting of this dismissed bankruptcy has significantly harmed my credit profile and financial reputation. 
I have been denied access to credit and have suffered emotional distress as a result of this inaccuracy.
Product: Debt collection

For the past 9 years, I have had a XXXX XXXX XXXX XXXX XXXX XXXX which was in good standing in my name. I paid the amount monthly - even after my ex-husband applied for Bankruptcy and was discharged under his name ( his name still remains as a co-borrower ). 

Recently, XXXX XXXX XXXX sold my loan to XXXX XXXX, which then authorized Specialized Loan Servicing ( SLS ) to administer the loan payments, etc. SLS appears to be more of a collection service bureau than a financial institution. 

XXXXk XXXX XXXX sold my loan on or around XX/XX/XXXX. I was notified by XXXX of the sale to XXXX XXXX and was informed that I would receive information soon from the new loan company. I did not receive ANY paperwork, information on where to pay my loan, etc. until XX/XX/XXXX. I received a letter from Specialized Loan Servicing indicating that my home equity loan is now delinquent, and I needed to contact SLS to discuss possible loss mitigation options. I was able to navigate the SLS site and set up an online account. I had difficulty adjusting the payment that covered a specific time line, the site would only allow for me to make the past payment due PLUS a payment that was due in XXXX. I was able to call SLS where they were willing to take the payment that was currently due. On XX/XX/19, I logged on to make my XXXX payment - and once again, the site would not allow me to adjust the current payment due ( {$220.00} ), instead a payment of {$470.00} ( covering XXXX ) was ordered. Also, I am not able to change my method of payment. I want to use a different debit/credit care and the SLS website will not allow me to do this. 

The SLS site and XXXX XXXX company is very difficult to navigate and communicate with. When I call, and enter my phone number ID, they claim that my phone number is not identified with my account number. SLS has also marked me down as making two late payments, when that is not a fair assessment. I do plan to refinance this loan in the next few months, but I am trying to pay down other finances first in order to be eligible for a lower interest rate. Please assist. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. i need info that was provided removed
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have violated my rights by publishing misinformation about my financial situation and refusing to correct it. 
The credit bureaus violated 611 by failing to investigate or correct inaccuracies within 30 days.

The bureaus failed to uphold 607 ( b ) by allowing false information to remain on your credit report.

They are in breach of 623 by not ensuring the furnishers corrected or verified the information.

If outdated information appears, reference 605 ( a ).

Specify the harm youve suffered and state that their actions or lack thereof may constitute willful or negligent noncompliance under 616 and 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX NAVIENT reported all 3 of my my student loans as 90 days late, when ithey should have been in deferment status ( since XXXX ). 
I talked with Navient on a few ocassions when they indicated that there was an administrative lapse in the deferment. After initially speaking with Navient,, the account was returned to deferment but they said is wasn't possible to remove from credit report, This school loan is still in deferment. 
This school loan on my credit report is hindering my last hope to buy a house using my VA home loan benefit because is causes an unnecessary misbalance on debt to income ratio
Product: Mortgage

The property inspector hired by Wells Fargo, our servicer, has come onto our property to harass us and take photos of our property from the front porch. This occurred on a Sunday morning at the beginning of XXXX. This was a violation of our property and our privacy and has caused us distress and embarrassment.
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the El
ectronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed  XXXX   XXXX  with the balance of  XXXX  several times thisd is not my account I was not in lease I was an occupant only it needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. Stats I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX and list of I

nquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

I AM WRITING THIS PRE-ARBITRATION DEMAND IN CONTINUATION OF MY PREVIOUS NOTICE OF DISPUTE REGARDING THE INACCURATE INFORMATION ON MY CREDIT REPORT ACCOUNT ( XXXX XXXX XXXX ) WHICH IS REPORRING AS A PAID CHARGEOFF BUT NEVER WENT INTO CHARGEOFF STATUS BEFORE BEING PAID IN FULL XXXXDESPITE MY INITIAL COMMUNICATION AND YOUR ACKNOWLEDGMENT OF THE DISPUTE, THE DISPUTED ITEMS HAVE NOT BEEN ADEQUATELY RESOLVED. THEREFORE, I AM COMPELLED TO ESCALATE THE MATTER AND REQUEST A RESOLUTION THROUGH ARBITRATION, AS PROVIDED FOR IN EQUIFAX 'S ARBITRATION AGREEMENT. 
I AM AWARE THAT UNDER EQUIFAX ARBITRATION AGREEMENT, EQUIFAX IS RESPONSIBLE FOR PAYING HALF OF THE ARBITRATION FEE. HOWEVER, CONSIDERING THE SUBSTANTIAL COSTS ASSOCIATED WITH THE ARBITRATION PROCESS, I AM PROVIDING XXXX WITH AN OPPORTUNITY TO AVOID THESE EXPENSES ALTOGETHER. 
IN ADDITION TO THE REQUEST FOR A COMPREHENSIVE INVESTIGATION AND RESOLUTION OF THE DISPUTED ITEMS, I PROPOSE THE FOLLOWING SETTLEMENT OFFER : 1. PAY ME THE FULL ARBITRATION INITIATION FEE : THE INITIATION FEE FOR ARBITRATION ( FOR THE CORPORATION ), AS OUTLINED BY THE XXXX XXXX XXXX ( XXXX ) GUIDELINES, TYPICALLY EXCEEDS {$3000.00}. TO SETTLE THIS MATTER EXPEDITIOUSLY AND AVOID THE SIGNIFICANT COSTS AND TIME INVOLVED IN FORMAL ARBITRATION PROCEEDINGS, I REQUEST THAT EQUIFAX PAY ME THE FULL AMOUNT OF THE ARBITRATION INITIATION FEE. 
I BELIEVE THAT THIS SETTLEMENT OFFER REFLECTS A FAIR AND REASONABLE RESOLUTION, TAKING INTO ACCOUNT THE COSTS EQUIFAX WOULD OTHERWISE INCUR DURING THE ARBITRATION PROCESS. ACCEPTING THIS OFFER WOULD SPARE BOTH PARTIES THE FINANCIAL BURDEN AND EXTENSIVE TIME COMMITMENT ASSOCIATED WITH FORMAL ARBITRATION. 
FURTHERMORE, IT IS IMPORTANT TO NOTE THAT SHOULD XXXX DECLINE THIS SETTLEMENT OFFER, I WILL PURSUE THE ARBITRATION PROCESS AS PROVIDED FOR IN EQUIFAXARBITRATION AGREEMENT. IN THAT EVENT, I WILL SEEK APPROPRIATE REMEDIES, INCLUDING BUT NOT LIMITED TO COMPENSATORY DAMAGES FOR FINANCIAL HARDSHIP, EMOTIONAL DISTRESS, AND ANY OTHER DAMAGES RESULTING FROM THE INACCURACIES ON MY CREDIT REPORT. 
I KINDLY REQUEST THAT YOU PROVIDE A WRITTEN RESPONSE WITHIN 15 DAYS OF RECEIVING THIS PRE-ARBITRATION DEMAND AND MONETARY SETTLEMENT OFFER. YOUR RESPONSE SHOULD INCLUDE YOUR ACCEPTANCE OF THE SETTLEMENT OFFER, ALONG WITH THE ACTIONS TAKEN TO INVESTIGATE AND RESOLVE THE DISPUTED ITEMS. FAILURE TO RESPOND OR DECLINE THIS OFFER WITHIN THE SPECIFIED TIMEFRAME WILL INDICATE YOUR UNWILLINGNESS TO RESOLVE THE MATTER AMICABLY, AND I WILL PROCEED ACCORDINGLY. 
PLEASE ACKNOWLEDGE RECEIPT OF THIS LETTER WITHIN 10 DAYS. 
THANK YOU FOR YOUR ATTENTION TO THIS MATTER. I HOPE THAT WE CAN REACH A FAIR AND MUTUALLY AGREEABLE RESOLUTION WITHOUT RESORTING TO FORMAL ARBITRATION OR FURTHER LEGAL ACTION. YOUR PROMPT RESPONSE AND WILLINGNESS TO RESOLVE THIS MATTER IN A TIMELY MANNER WILL BE GREATLY APPRECIATED.