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

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

someone committed fraud by using my credit by going through XXXX XXXX and also through wells fargo
Product: Vehicle loan or lease

On XXXX XXXX XXXX I sent chk # XXXX in the amount of {$2700.00}. This was to cover past due balance and monthly payments of {$230.00} through XXXX XXXX which I stipulated in a note attached to the check. The extra money was applied to the principle however they did not apply the payments to the monthly invoices as directed. I am now having my credit destroyed once again by this company being marked 60 and 90 days late. I contacted them by phone on XXXX/XXXX/XXXX and s/w to XXXX who informed me the computers were down but took my info and stated a manager would be calling me back. Never happened and when I called back there was no record of this call in their system. I then mailed back my statement with the information to be corrected still nothing. Disputed it on my credit report and my score has dropped by 100 pts due to this and im sure they are going to repo my car.
Product: Mortgage

In XX/XX/2023 we requested a payoff quote which was given verbally over the phone and we were told it was good through XX/XX/2023. We were also told we would receive a letter verifying the payoff information. This letter was never received and we mailed a check through our bank bill pay to the mortgage company. The check was processed and never cashed as it turned out that we were not given the correct address for mailing the payoff. We stopped payment on the check and reissued the check and the bank sent it to the correct mailing address. Again, the check wasnt cashed and we had to stop payment on the check. It turns out that the funds had to be issued by certified check or electronically BUT NO ONE during the many phone calls advised XXXX of this. We received an overnight envelope a few days after the payoff amount expired with the first check, instructions for completing the payoff which had to be certified or electronically issued funds. Now we are late with the payoff and our mortgage payment which caused us to have to go to the bank to complete the transaction and pay almost XXXX more due to the incompetent customer service people at Truist Bank. They were the worst mortgage company we have ever dealt with. We would like the original payoff payment honored and the overage of the second payoff refunded. 
We have paid our mortgage in full.
Product: Money transfer, virtual currency, or money service

Whom It May Concern, I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent fraud, resulting in an unauthorized address change on my account. This lack of prompt action left my account vulnerable, unprotected, and exposed to further risks.

Additionally, their dispute resolution process was both unfair and deceptive. Cash App failed to adhere to the Electronic Fund Transfer Act ( EFTA ) and Regulation E requirements for error resolution, particularly by : 1. Failing to Investigate Errors Promptly : Cash App did not thoroughly investigate the reported issue within the required timeframe, leaving me without adequate recourse or updates.

2. Providing Inconsistent Responses : When attempting to resolve the matter, I received conflicting and unhelpful information from multiple representatives, creating confusion and further delaying the resolution process.

3. Inadequate Customer Support : Despite repeated efforts on my part to escalate the issue, I was not provided with sufficient assistance or clarity regarding the steps being taken to address the problem.

These actions ( or lack thereof ) have caused significant inconvenience, financial uncertainty, and emotional distress. Moreover, I believe
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these accounts XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Utility Past due amount {$2300.00} XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Past due amount {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX Credit Bureau : Experian The lending entity XXXX XXXX made a hard inquiry into my Experian credit file which caused material damage to my credit. I never completed an application with this company, and they need to remedy this issue by correcting the error. I also feel that many others have been affected negatively by this predatory behavior and the company should be fined. i am attaching photographic nature of the misleading FAQ on the XXXX XXXX website which makes no mention of even pulling a credit report anywhere in the process. As I never completed the process the hard credit inquiry seems arbitrary and capricious in nature based on the spirit of the application, fraudulent based on the facts.
Product: Student loan

This complaint is related to public student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX dating back to XXXX 2008 with XXXX XXXX XXXX and XXXX XXXX. A review of my payments indicate only 20 payments qualify for loan forgiveness! After nearly 9 years of employment and consolidating loans ( with a higher interest rate ) in the direct lending program, which was required to be eligible for public service loan forgiveness program. I am now learning that I am 100 payments short of the required 120. I am outraged. My servicers changed several times over the years and in that process my payments were apparently thrown off track. At every juncture I was assured that the plan I was in qualified for pslf. Now I am learning that the payments I made for years did not qualify. This is not my fault. I believe every payment I made should count. I 've been working for years in public service, in a field that requires a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my private property to a 3rd party intervenor without my consent to do so. Then the 3rd party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but XXXX XXXX is out for blood. 
XXXX XXXX never sent me the original contract I asked for. 
XXXX XXXX also never balanced there books with me. I believe they have evaded the tax when it comes to my Private Property.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX confirmed that a collections amount was placed on my credit report for energy charges that were accrued after I had vacated the unit. I had given XXXX XXXX XXXX advanced notice that my lease and energy commitments would be terminated effective XX/XX/15, and they confirmed that information would be noted on my account. 

However, I have just had a conversation with both XXXX XXXX XXXX and the collections agency in which they report that they have no file of me contacting XXXX XXXX XXXX to end my energy bill. 

I dispute that I am liable for any of the charges claimed, and am seeking a complete removal of this collections from my credit account.
Product: Debt collection

I was not home and a company named Integrated Services. The persons name was XXXX. The voice mail message that was left was they were trying to contact me for a legal address for service and to call this number XXXX to provide a formal statement. Failure to respond could lead to verification of employment and liquid assets to avoid this call my office immediately. My wife heard this message and it troubled her. It is my understanding that according to the FDCPA a company ca n't leave a voicemail message like this without my consent as a third party can hear it. This message is also asking for me to make a formal statement which insinuates this is an attorney or law enforcement agent. If this is a legal debt then i would like this agency to pay it for violating the FDCPA.
Product: Credit reporting or other personal consumer reports

Information such as social security number and address that does not belong to me is being reported on my credit reports monthly. I have tried disputing online as well as calling XXXX, XXXX, XXXX and Transunion. I am not able to pull my report accurately due to the discrepancies that are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Hi, thanks for taking the time to read this and trying to help me I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove it, I asked to have my bills sent to my office so that they can make sure the bills are paid in the interim. Unfortunately, this company didnt forward the bills and I got one late mark on my credit report which is really hurting my score
Product: Credit card

Discover card reduced my credit line without the required 45 day notice as required in violation of Section 226.9 ( c ) ( 2 ) ( vi ) in an attempt charge me an over the limit fee by putting me below my current owed balance. 226.9 ( c ) ( 2 ) ( vi ) states : 9 ( c ) ( 2 ) ( vi ) Reduction of the Credit Limit Consistent with the XXXX 2009 Regulation Z Rule and the XXXX 2009 Regulation Z Interim Final Rule, the Board proposed to retain 226.9 ( c ) ( 2 ) ( vi ) to address notices of changes in a consumer 's credit limit. Section 226.9 ( c ) ( 2 ) ( vi ) requires an issuer to provide a consumer with 45 days ' advance notice that a credit limit is being decreased or will be decreased prior to the imposition of any over-the-limit fee or penalty rate imposed solely as the result of the balance exceeding the newly decreased credit limit. The Board did not propose to include a decrease in a consumer 's credit limit itself as a significant change in a term that requires 45 days ' advance notice ...
Product: Checking or savings account

On Thursday morning XX/XX/year>, I deposited a personal check for {$2000.00} with my brother at XXXX XXXX, whose on my checking account. A hold was placed on unnecessary hold for a week. This caused me a negative account while I needed my money while on a trip. I've been a customer for over 20 years. I feel that the check was put on an necessary hold for interest for the bank and cause unnecessary bank fees.
Product: Vehicle loan or lease

In 2015, I bought a 2015 XXXX financed by XXXX that was taken over by WESTLAKE FINANCIAL later on.

Unfortunately, services provided by WESTLAKE FINANCIAL are not performed well, it is somewhat predatory for lacking effectiveness and honesty in customer service; henceforth, it is inadequate because I am trying to pay off my loan and can not have anyone to go over real details with me.

All calls placed have been answered by overseas third-party companies that offer a somehow robotic treatment and can not direct my real concerns because they are not culturally prepared to serve customers in the USA, and do not know how to handle issues that are off their manuals. Today, I have spoken to 11 different people from varied departments, and no one knew what to do.

Therefore, I am disappointed because I called WESTLAKE a month ago when a representative told me I did not have insurance in 2015 and had to provide them with a letter from XXXX to prove coverage always existed. The representative also told me that once I had provided them with proper documentation and proof of insurance, I would have U {XXXX} waived from the total loan amount owed. As I was instructed by the WESTLAKE representative, I sent an email to XXXX with the XXXX policy information attached to confirm the insurance proof would act as a waiver towards the predatory total owed to WESTLAKE.

Note that, not only I could not still pay off the loan with the waived fee granted by WESTLAKE, but my total amount has been increasing by the day. This type of business leads people to mental health problems, debt, low quality of life and poverty, not to mention this kind of business procedures do NOT make XXXX great at all. This is a predatory business, with underqualified customer service outside the XXXX who do not disclose information clearly and mislead customers.
Product: Debt collection

This statement is to dispute the collection balance of {$1500.00} from IQ Data International/XXXX XXXX XXXX AZ reported to the credit bureaus, XXXX and XXXX, XXXX XX/XX/XXXX. Myself, XXXX XXXX, XXXX XXXX, and XXXX XXXX signed a lease to move into an apartment with XXXX XXXX XXXX AZ on XX/XX/XXXX and were due to take possession of XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX on Friday, XX/XX/XXXX. The apartment was under construction and we received notice that occupancy was delayed and that the apartment should be ready for move-in on the evening of Saturday, XX/XX/XXXX ( after office hours ). When my friends and I went to start moving in on Sunday, XX/XX/XXXX, the apartment was clearly still not ready for move-in. There were dust and floor-board trimmings everywhere and open exposed wiring. I submitted a written notice of cancellation according to the terms of the contract, and the group acknowledged receiving the notice the following Monday. 

I never lived in this complex and that is why there is no history of monthly rent or listed address for this property on my credit report. In addition, I paid an upfront security deposit of {$1800.00} to the company which was never refunded, per the terms of the lease contract. I am attaching the 3rd page of my signed lease, which states that I may terminate the lease up until the time the apartment is ready for occupancy ( see section 15 ). I am also attaching my written notice of cancellation with photos of the apartment from XX/XX/XXXX. Lastly, I am attaching a signed and dated letter from my friend showing I occupied his home rent-free from XX/XX/XXXX until XX/XX/XXXX, when I initiated a new lease with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX and an insurance document billed to the XXXX XXXX address during the time frame XXXX XXXX XXXX claimed I was living in their apartment. 

I am shocked to see this collection come up on my credit report a year and a half after this event, and I am not exactly sure what it is for. I have no history of late payments on any of my credit accounts because I am highly accountable and take my credit obligations extremely seriously. I never received a billing notice from the property management company. I wrote the debt collection agency and called them multiple times to request an explanation and can not get a response. The process of trying to move-in and then cancelling with XXXX XXXX XXXX  AZ was extremely stressful and now they've damaged my credit score and I feel helpless. I wish I had researched this group sooner because I found a lot of negative remarks about them online after my bad experience, and it looks like they have already been sued more than once. I am also attaching a letter sent to the debt collector requesting an explanation for this charge, which they did not respond to.
Product: Credit reporting or other personal consumer reports

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts 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 TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer XXXX report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union had 4 inquiries on my credit report the inquiries were excessive because they were under 30 days from each. I also have an account with Navy Federal and they have the ability to pull my Fico Score each month for free without causing a hard inquiry on my credit report. I requested a loan and they pulled my credit report twice with in two days of each ... Once they pull my credit report once ... that file last for 30 days.They kept telling me that I had a security freeze on my account, well I lifted the security freeze, they went and did multiple pulls. within days which is unnecessary.

Navy Federal Inquiries XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive identified unauthorized hard inquiries on my credit report, which are harming my credit score. Please address these inaccuracies under 15 USC 1681c-2 and remove them.
Product: Checking or savings account

I'm basically trying to ask questions about this Daylight bank and I'm being discriminated against just because I'm apparently not a XXXX of which they have categorized these people into some different categories even to hide themselves from the fact that they are in fact XXXX. So because I'm not a XXXX or XXXX it seems, they are refusing to answer my questions and instead I got the response " I'm sorry your brain is not developed enough to understand the difference between XXXX and XXXX. Kind of impressed that you even know how to spell XXXX. '' My question said nothing about XXXX or XXXX, and I only mentioned XXXX XXXX after the initial response was an automated robot. Apparently this whole XXXX thing is something they have coded into ideally something the real world can't understand, and so as someone who isn't XXXX, I have to question this type of stuff to understand it and that's not allowed apparently as it's clearly discrimination based on my XXXX XXXX, in that it does not fit their needs, and even questioning them seems to be offensive, despite the fact they are the ones openly displaying affectionate XXXX images to advertise what they call a bank... but to question this, you're met with direct discrimination as they are clearly assuming I'm straight which they'd be correct, but it's amazing that banks would be allowed to stigmatize people just because they do not fit into their XXXX preference. A group of people wanting to be accepted openly discriminates and stigmatizes people because they are obviously full of hate. They want others to accept them for who they are and yet even when others accept them, they can't accept themselves. I never thought questioning a XXXX advertised bank about the sexuality policies would lead to this, as I'm questioning because I would like to know to sign up for an account because of other reasons their system can benefit me, but this is literally the response from them after I question their advertising content, and it's safe to assume if you are of XXXX  XXXX orientation and are not a XXXX or XXXX person, then this bank will hate you and probably mess with your banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted several disputes to the credit bureaus and to no avail have I received a response from the bureau 's XXXX, XXXX and neither Experian. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested the " THE METHOD OF VERIFICATION '' on the alleged bankruptcy on my consumer reports. I recently Challenged this same account with the consumer reporting agency, and they stated they have " verified '' this account with Lexis Nexis. I requested the " METHOD OF VERIFICATION '' with Lexis Nexis, With no response to this matter. 


15 USC 1681a ( I have the right to privacy ) 15 USC 1681 B2 ( Permissible purpose of consumer reports )