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

There was a computer glitch that caused my inquiries to be removed this was Transunion 's problem not mine transunion later re-added these inquiries without properly notifying me in writing within 5 days of them re-adding the inquiries I then contacted transunion in good faith and asked them to remove these inquiries that they illega lly re ad ded on several occasions to no prevail the last time I called on Friday  XXXX   XXXX   2017  the number I dialed was  XXXX  I spoke with a representative that then transferred me to a supervisor named  XXXX  he had a very thick accent I tried my best to understand him but I could n't I asked to be transferred to a United States representative because I could n't really understand him he told me no he would not transfer me I 'm just really frustrated with the treatment and time they are taking away from my day because of this. It has caused a very untimely hardship for my family I was going through the home buying process and my agent told me that this drop in my score because of the injuries can result in a denial from my home loan I 'm so frustrated that transunion feels it 's okay to violate my rights in this manner!!! Please help me cfpb please make transunion stop victimizing me.
Product: Mortgage

My husband and I were contacted by XXXX XXXX on or about XXXX XX/XX/2019 to " streamline '' our VA mortgage loan with Mr. Cooper ; this is our current mortgage company and has been for nearly ten years. My husband and I agreed and electronically signed paperwork, that XXXX XXXX emailed, to start the process as we have done before with Mr. Cooper. During the email Mr. XXXX was having difficulty locating my email that was on file with Mr. Cooper. He openly admitted he emailed the wrong address and then asked me for my email. My response was the one on file. At that time Mr. XXXX repeated my email address and correctly sent information to me. We were told someone from another department would contact us as to where our loan process was at in the near future ; we would also be getting a packet sent via USPS. As such my husband and I awaited information from Mr. Cooper LLC. 

On XX/XX/2019, a gentleman by the name of XXXX XXXX XXXX contacted my husband and I via phone ( the phone number listed on our loan paperwork ). Mr. XXXX informed me that our personal and private information had been sent to him by Mr. Cooper LLC. He was unsure what to do with the information. I asked what information Mr. XXXX replied, everything ; social security number, loan details, birthdates, phone numbers, relatives etc. I immediately told the loan processor, XXXX XXXX to stop all loan processing in an email. I also stated to Mz. XXXX the conversation held with Mr. XXXX, a third party, about the breach of our confidentiality by Mr. Cooper LLC. The mortgage company had XXXX XXXX contact us. Mr. XXXX states this has never happened before and they are unsure how it happened this time. My husband has been dealing with Mr , XXXX to find out what they are doing to track down exactly where our information has gone. Neither my husband or I know exactly where our personal and private information has been sent ; neither does any one at Mr. Cooper LLC. The mortgage company has set their interests as the primary concern. My husband and I are left open to identity fraud and theft. We have since had Mr. XXXX send us the packet of information Mr. Cooper LLC sent to him. That arrived via USPS XX/XX/XXXX. We have also contracted a company offered through our banking entity to monitor our information as best they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX car loan company has reported my payment history incorrectly for over 2 years now. I have never missed a payment, my understanding was to have a one-time payment flipped over to the back of the loan that would have helped me from falling behind during COVID. That is not the case they have reported to all three credit bureaus saying that my payment history is XXXX payments missed with credit report reflecting 30 60 90 120 plus days late they have completely destroyed my credit due to this false reporting of my payment history. They have not come to a resolution over these facts and continue to report the loan incorrectly also was in still not even a payment behind and with no contact no forewarning came and repossessed the vehicle where we had to come out of pocket almost {$900.00} to get it out that very same day. I have all the documentation showing this. I need this erased completely off of my credit report to be able to even continue with my life and any sort of positive fashion whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

( 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and54 financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have been sending correspondence to Navient since the XXXX of XXXX. I requested that Navient validate the debt attached to the account number XXXX, which comprise of both federal and private student debt. The only correspondence back from Navient was of accusations of breaking the law. They even included in the letter an FBI website that had implications of fraud schemes. This letter was intended to intimidate, and threaten. On the bottom of the letter sent by Navient I noticed their NMLS # XXXX. Upon searching this number I discovered that Navient is not licensed in the State of Georgia. My residents and schools XXXX XXXX and XXXX XXXX ( to which the alleged debt is attached ) are in Georgia. Since Navient has no legal rights to conduct business in Georgia I demand that they cancel/ discharge the above accounts, correct any damages with all three credit collection businesses and cease all contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

I requested to have my PMI removed by my loan servicer. They asked me to pay for the BPO, which I did. The man came out and completed the BPO on XX/XX/year>. The following Monday, XX/XX/year> and every day throughout the week, I continued to follow up asking for the result of the BPO. No one could tell me anything, until XX/XX/year>, where are rep explained the PMI removal was denied bc the LTV was not at 80 %. I asked to have emailed to me. When I finally received the BPO ( I had to go find it on my portal, because I never received the email ) I went in and paid it down to an 80 % LTV. Although, I still hadn't officially been notified of a decision by the company, I wrote a letter asking them again to remove the PMI, as the loan was now under an 80 % LTV on XX/XX/year>, and uploaded it to their website. I have been calling since, and nothing has been done. Reps continue to tell me that they will put in a complaint, but nothing is done, nor do I hear from anyone. At this point, another PMI payment has come out of my escrow account. I received a letter, with my updated balance stating there was a denial. Im not sure if that is from the first attempt, or my followup requests.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I left my banking information on paypal and my account was hacked, paypal doesnt have any trace of what happened and were very reluctant to help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit history and noticed inaccurate accounts and inquires that are not to my knowledge. I did not inquire nor did I authorize any of these businesses to access my information for any reason at all. These are fraud accounts because they weren't my doings by any means. I would to see these accounts removed as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize the sharing of my non-public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with Metro 2 credit reporting. 
I have evidence to prove my case!
Product: Mortgage

Mr. Cooper took over my home loan in XXXX with the first payment due in XXXX. My husband and I do not share bank accounts, therefore ; we each pay half of the monthly payment out of each account. The first time I made our payments, they were applied to principal. In mid XXXX I recieved a late notice, so I made another full payment. I called and they helped to adjust my payment and told me how to make the payment going forward. I followed those steps, and even made a payment early to ensure it would be applied correctly, and again, my payment was only applied to principal. I called again and was told that my account hierarchy could be changed to suspend the payments I was making until the full amount was recieved. Then, the other half of my payment came out, applied to principal, and they sent me a notice that I had funds in suspense and if I didn't make the rest of my monthly payment, they would return the funds that THEY suspended. I called again and was told that they don't even accept partial payments, then when I spoke with an escalations representative, they said the person that was supposed to change my hierarchy, made a mistake. No one at this company knows how the product works and people are going to lose their homes because of it.
Product: Credit reporting or other personal consumer reports

WELLS FARGO BANK has solid my information on an old account from year XXXX that I personally closed myself in XXXX and they are improperly reporting negativity ( {$73.00} ) to my credit report which is not fair to my consumer report it is incrimination of my character an holding me back from opportunity I would like it deleted expeditiously, thank you
Product: Debt collection

AUTOMTD COLL Is alleging I owe them a debt I do not. I have received no notice of my right to dispute this debt before the information was sold to XXXX in an attempt to force me to pay a debt that I do not legally owe. I retrieved XXXX XXXX XXXX XXXX business incorporation that they have on file with the state and it did not state in their business practices that AUTOMTD COLL would be collection for them. This is required to do business in the state. So under who authority are they acting on? I would like the documents to prove that AUTOMTD COLL is a part of the company either with its bylaws or articles of incorporation.
Product: Student loan

Navient had collections agencies calling me saying they had my account. Multiple agencies a day would call. I contacted navient and they gave out my information to these agencies. My account was NEVER IN COLLECTIONS and I lost all of the money I had been paying monthly to this agency that claimed they had my account. Navient is horrible and was no help and just lied and stole my money. They refused to let me defer my loans and fold me this was not an option. This has destroyed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ALLEGING UNPROVEN DAMAGING ENTRIES ; SEEKING ANNULMENT FOR NON-PERMISSIBLE PURPOSE. 
To Whom it may concern : According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, FACT clearly states that one only has a permissible purpose for obtaining a credit report under S 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  lam requesting Immediately deletion of the above inquires.
Product: Credit card or prepaid card

I requested replacement cards for two of my credit cards that i could not locate at the time. I never received the replacement cards. Instead, they were activated and used at XXXX  stores and a XXXX  store in XXXX on XX/XX/XXXX and XX/XX/XXXX ( {$2400.00} on one card and {$99000.00} one the second card ). I called it in as fraud but was denied the claim because the cards were allegedly activated from my phone number. I immediately filed a police report ( which to the best of my knowledge is still ongoing ). I spend tens of hours on the phone with the barclays fraud department insisting that i have never received the cards and that they were activated by whoever stole them from my mail box - but to no avail. I submitted proof to that effect in the way of telephone records from my provider proving that i never made the phone calls they claim i did ( the activation calls were made on XX/XX/XXXX according to barclays ). After submitting the phone records, the charges were temporarily removed. But now i see the charges were reinstated ( despite the phone records i submitted ). I see no other option than to turn to the CFPB for help with regard to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were all in default with  120+  lates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ... .Yet, I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.
Product: Student loan

I was contacted by XXXX XXXX XXXX stating that I owe a student loan debt. They have no paperwork as to how they arrived at this astronomical sum. I requested paper work and they said they would send it. They did not and proceeded to garnish my wages.
Product: Checking or savings account

I disputed a transaction made in the amount of {$440.00} on XX/XX/XXXX due to being double charged by the merchant. I showed the bank my initial form of payment which was made by a different card from a different company. I not only provided my receipt which shows my card details, but I also showed my transaction details from the other card. Wells Fargo, the bank that I filed the transaction through is not working with me at all at refunding the money. I provided them all the information I have access to showing proof of payment through a separate card and they still are refusing the dispute. The card I originally made payment through is not a bank but a prepaid card that my company uses therefore I am unable to get a statement, but I did provide Wells Fargo receipt details and transaction details so they can see that payment was in fact made by a separate card. So now I am being charged {$890.00} along with overdraft fees because they refuse to help me. I finally was able to get a receipt of my transaction made by another card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reviewed my credit report onXX/XX/23 and noticed that there were incorrect information being reported to my credit report. I contacted the consumers advising them of the detailed incorrect information and asking them to correct the information. I reviewed my information on XX/XX/XXXX and noticed that the information had not been corrected and that the incorrect information is STILL being reported to my credit report. These are the items that are incorrect : XXXX XXXX : Acct # XXXX {$550.00} -Reported date -Last Activity -Remarks -Times ( XX/XX/XXXX ) days late -Months Reviewed -Creditor Information -High Balance Opensky : Acct # XXXX {$0.00} -Reported Date -Credit Limit -Remarks -Last Activity -High Credit -Creditor Information -Months Reviewed XXXX XXXX : Acct # XXXX {$0.00} -Reported Date -Last Activity -Remarks -Time ( XX/XX/XXXX ) days late -High Balance -Creditor Information -Type -How is it still reporting if account was purchased by another lender? 



XXXX XXXX : Account # XXXX -Reported Date -Last Activity -Original Creditor -Status -Comments -Term Source Provided XXXX XXXX  : Acct # XXXX -Report Date -Open Date -Last Activity -Report to only one creditor ( this is not my account ) Rent Recovery : Acct # XXXX {$370.00} -Report Date -Last Activity -Status -Comments -Monthly Payment Amount -Term Source Type XXXX : Acct # XXXX {$370.00} -Account is not valid and reports to only one creditor -Not my account- XXXX : Acct # XXXX -Account is not valid and reports to only one creditor -Not my account INQUIRES : XXXX : XXXX XX/XX/XXXXXXXX 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  If XXXX after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation and Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.