23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was told that there was a septic tank after I movied in I found water on the ground and it had sewer smell to it so we got to looking and following it and there it was a cv pipe in ground that some one had run over so we look to see were it went to cross my yard over in the field of the neighbor s down to the tree s on her land on the ground there was not any septic I had called the guy we got the house from he said dont turn it in to the county open a can of wormes to my friend this on the phone .I called the county guy he came out said he could write me up and fine me lot of money and get my neighbor to for letting this go on her land .so I called the mortgagee were we signed said I wanted to talk to there lawyer she would not call me back I got a hold of the guy that did inspection he got mad at me said he did his job I said no you did nt no septic no foundation the Door s want close on the bedrooms he built on .there cracks in the celling floors are bad I tryed all last year get help couldn t not get any were .laywers want talk to you with out want ed money to talk to you .one laywer I talk to said I been fraud but he be retied time it went threw .but he went over the paper work said I got lied to this is why I bet he did nt want me to get home inspection said there no sent he just had one done .this last year been  XXXX  for me when I dont get much money every month to fix this right .can t sell this home way it is.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inability to Access Credit File and Credit Freeze Tools Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion regarding persistent issues accessing my credit file and credit freeze tools through their website. Despite having an active account for OVER XXXX years, I have been consistently blocked from accessing the mandatory credit reporting and freeze tools. XXXX months ago, while applying for a loan, I was unable to unfreeze my TransUnion credit report, which prevented the lender from accessing my credit file. Apparently, the lender uses Trans Union. As a result, I was unable to secure the lowEST-interest rate loan I was pursuing. I had to find an agency that used XXXX. these problems do not exist on my XXXX and XXXX profiles. I'm also aware of a number of friends that have the same issue with XXXX XXXX My credit score is consistently over XXXX. 

While I am able to log in to the TransUnion website, I am FIRST presented with offers to purchase their paid services. However, when I attempt to access my credit report or manage credit freezes, I am met with a message stating that the information can not be accessed at this time. This issue has persisted for almost XXXX years, and I have been unable to find an effective resolution or reliable communication channel with TransUnion to address this matter. 

I believe this behavior raises concerns about compliance with consumer rights to access their credit information and manage credit freezes as mandated by law. I respectfully request the CFPB 's assistance in resolving this issue and ensuring that TransUnion provides the required access to its services. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$680.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00}
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block, Ink ) 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 Electric Fund Transfer Act ( EFTA ) and Regulation. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lack of security controls exposed my credit and identity information to hackers. This is unacceptable. Their after-the-fact protections are highly lacking and leave the responsibility in my hands to correct and monitor all activity going forward. This could be extremely costly, time-consuming and ineffective at protecting my information. Unacceptable for a company that should be solely concerned with this as their mission.
Product: Debt collection

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. THE COMPANY XXXX & XXXX, PURCHASED DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION, ACCORING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS THE ALL CAPS NAME IS NOT ME. 
PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAILS MY FULL COMPLAINT AND REQUEST.
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED inquires on my credit report XXXX XXXXXXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2023 XXXX Inquiry date XXXX XXXX XXXX Inquiry date XX/XX/202XXXX XXXX
Product: Mortgage

See attached. Former complaints regarding same company XX/XX/XXXX and XX/XX/XXXX were closed without resolving my concerns. Proof of identification is provided.
Product: Checking or savings account

XX/XX/year> Fraudulent Wire Transfer of {$16000.00} XX/XX/year> Push notification sent advising of transfer XX/XX/year> Immediately Reported Wire Transfer Fraud to Wells Fargo XX/XX/year> New Account opened and fraudulent account closed XX/XX/year> Funds from account moved to new account XX/XX/year> Request to retract funds XX/XX/year> Funds released to receiving bank XXXX XXXX  XXXX XX/XX/year> Hold Harmless Agreement Signed to begin Investigation process XX/XX/year> Returning of funds Denied by both banks XX/XX/year> Police Report filed with XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/year> Case assigned to XXXX Detective XX/XX/year> Called Attorney for assistance XX/XX/year> Paralegal reviewing case XX/XX/year> Filed CFPB XX/XX/year> Funds still not returned
Product: Credit card or prepaid card

I was informed there was a charge on a credit card from Trusist bank. I do not use this card or carry it with me. We contacted the fraud department and was told the issue was resolved and the account was closed. I received a letter in the mail from the fraud department stating that the account was closed and the issue was resolved. I keep getting calls and letter from Trusist bank that I still owe the money, they have reported late payments XXXX times to the credit bureau running my credit. I have sent copies of the letter from the fraud department and am still receiving letters from Trusist bank saying I owe them the money and they are reporting a late payment to the credit bureau. Truist Bank refuses to talk to their own fraud department, or acknowledge the letters from their fraud department and are trying to force me to pay money to them I don't owe and ruining my credit in the process.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 a check in the amount of {$20000.00} was mail to my address but not delivered due to some missed information. In XXXX I received a letter stating that due to me not excepting the loan it was now expired. I checked my credit months later and there was late payments showing on my credit report, so I contacted PenFed they said it was an oversight and they will take care of it. In XXXX I received a letter stating that on XX/XX/2022 the issue will take 30 to clear. As XX/XX/2022 there is no change.
Product: Credit card or prepaid card

I receive my SSA benefits on a Direct Express Mastercard. On XX/XX/2019 fraudulent charges were made totaling {$170.00}. I immediately contacted Direct Express =found out charges where from XXXX XXXXXXXX and XXXX XXXX, which I did not authorize. Card was cancelled and a new one was issued which costs another {$13.00}. Was transferred to the Fraud Dept. Filled out the fraud form and mailed it as I was directed. On XXXX XX/XX/2019 received letter the funds were reissued to my card which they were. Thought everything was fine. On XXXX XX/XX/2019 the {$170.00} was removed from my new issued card. Immediately called the Fraud Dept of Direct Express. Was told that nothing could be done because the investigation was closed and not ruled in my favor. I have never received any information of why these charges were not fraudulent. I requested a number for XXXX XXXX stuff. The number given would not go through. XXXX XXXX XXXX XXXX which wasn't surprising. I also requested to speak to the Fraud investigator who ruled not in my favor. Of course, the agent did not know who it was. I have called repeatedly for days trying to get a rep but now automated message saying my account is not available. To call back at a later date. What I am getting from this is Direct Express or  Comerica Bank have no intention of reimbursing my {$170.00} or notifying me of what this XXXX   XXXX is. Is there anyway you can help me? How many other elderly I am XXXX, have been ripped off this way? Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my Transunion credit report and saw multiple credit inquiries that I did not Authorize. I contacted Transunion and they are not deleting those inquiries. 
Also I have reached out to them in the past to advise them that my name listed on my credit file has no Middle initial.
Product: Checking or savings account

Dear CFPB I am submitting this complaint to report what I believe to be discriminatory practices by Wells Fargo based on my and my familys national origin. My husband and I are XXXXXXXX XXXX originally from XXXX. We became XXXX XXXX last year, and since then, we have encountered significant issues with Wells Fargo regarding our accounts. 

After receiving our citizenship, we visited a Wells Fargo branch and provided our citizenship certificates to update our accounts. Several months later, we received a letter requesting an update to our residency status. Once again, we went to the branch, complied with all requests, and signed the necessary documents. 

Most recently, my XXXX son, who has a savings account with Wells Fargo, received XXXX XXXX asking if he had any relationship with the government of XXXX. This was both shocking and distressing. My husband and I immediately went to the branch again, providing our citizenship certificates, passports, and signing all required declarations. 

Despite our full compliance, we were notified on XX/XX/year>, that our accounts, including my credit card, had been restricted. This has caused significant financial distress, as my credit card has payments due tomorrow, XX/XX/year>. When we visited the branch this morning, the banker confirmed that all documents were on file. However, we were informed that it would take up to XXXX business days to resolve the issue. 

A representative from the banks back office also stated that if the declaration page is not received, our accounts could be closed. We find this deeply troubling, as we have provided all requested documentation multiple times. 

As XXXX citizens, we feel that this treatment is discriminatory and based on our national origin. It appears that Wells Fargo is unfairly targeting customers of Iranian descent, even those who have fully complied with legal and banking requirements. Through our oath of allegiance, we have declared the United States as our chosen country, yet we are being subjected to scrutiny that feels unjust and un-American. 

We respectfully request that your office investigate this matter and take appropriate action to prevent discriminatory practices by Wells Fargo or any other financial institution. This experience has caused significant stress and disrupted our ability to manage our finances. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

A direct deposit in the amount of {$310.00} from XXXX was mistakenly deposited into the account of a third person. 

The money is not the property of this person. Chase was instructed to send the direct deposit back to XXXX so it could be sent to the me, the person whos money it is ( my property ), and the rep did would not help. 

This is not a dispute, this is Chase bank disgorging funds that are not theirs or their account owners property! Chase has converted my property to pay the debt of this third partys account! 

They have converted money owed to me to pay the debt of an account owner who is not even a party to the insurance policy! I am not nor have I ever been a signer on the account XXXX mistakenly sent money to. XXXX told me to contact Chase as they cant retrieve a direct deposit, I did so, and chase refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692
Product: Checking or savings account

my account is close by citibank i called them and said iam getting a letterbin my mail past 2 weeks i havent have any mail grim them! i called the citibank last 2 weeks ago and talked to customer service and they said the checks on the way after 1 week and half i called them again that i havent recieved any check in my mail, and they said it is the check or my fund is under review. 
Now i need my money since they closed it and block all the online account and even when i went inside the bank and asked for help all they said is they cant help me and gave me a number to call which by the way i kept going in circles here. I have bills to pay and i need my money ASAP! They havent responded since XXXX, XXXX. 
i need help here! Citibank is with holding my money for what reasons.??? this is rediculous!
Product: Credit reporting or other personal consumer reports

I attempted on several occasions to receive my free report on XXXX website and also annual credit report and was unsuccessful. I contacted XXXX and a representative informed me that I was unable to get a credit report because they have my file mixed with someone by the name of XXXX XXXX same dob. My name doesnt even come close to that. That still does not matter how can you merge files and tell a consumer they are unable to un merge them so I dont know what is on my credit. It is the law for me to be able to receive a free credit report. I want whoever is responsible for putting these files together to be held responsible. That is unfair. I was also told by XXXX & Equifax that they are unable to provide me a credit report. I attempted calling to reset passwords and I was told in 7 days they will get back to me. It has been now XXXX  days and still no access or resolve
Product: Credit reporting or other personal consumer reports

Ive made several complaints about Experian Ive sent them numerous certified letters in which they supposedly dont ever get even though they have signed for them. I had another complaint previously that they resolved on here. That said they were just gon na send me a new credit report. How is that fixing anything? I continue to tell them that the experian.com/upload is not working, because it never submits the dispute. They say I can call in but then how can I get them my documents if they are not getting certified mail and the upload isnt working?? This credit bureau is getting away with all of this stuff and doesnt ever resolve. Customer complaints.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was assisted by XXXX XXXX at Chase Bank in XXXX XXXX FL with a wire transfer of {$20000.00} from my saving account to my mother 's bank account in USD currency at XXXX XXXX in XXXX. I said twice to Miss XXXX that the funds are have to remain in USD currency and that the recipient account is in USD currency. Transaction number ( contact id ) : XXXX, Confirmation Code? chase wire tracking number : XXXX. On XXXX XXXX {$19000.00} were available to my mother. I arrived in XXXX, XXXX on XX/XX/XXXX and went to XXXX XXXX and was told that the funds were sent from chase bank to arrive in XXXX  ( XXXX XXXX XXXX ). And because of that the funds when to Invest bank, before they reached they destination at XXXX XXXX. So invest bank converted the funds back into USD because the recipient account is in USD. So, mu funds were converted 2 times and I never asked for that to happen. Because of the current conversion rate of that specific date {$730.00} are missing. I expect Chase bank to provide those {$730.00} to my savings account in order to fix the mistake that XXXX XXXX have done which have caused me a tremendous frustration over the past few weeks. 
My email is : XXXX My Bulgarian phone number is XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  is a collection company is purchased a fraudulent debt from Upgrade. In XXXX of XXXX I noticed that I had XXXX accounts placed on my credit from upgrade. XXXX being a credit card and the other being a loan. I disputed the accounts through XXXX, XXXX, and XXXX as identity theft because I had not opened any accounts through this company and I also had a fraud alert for all XXXX credit bureaus. The credit bureaus removed the accounts and a few months later upgrade sold XXXX account to XXXXXXXX XXXX XXXX and the other to XXXX XXXX XXXX. Both put the accounts on my credit report. I went on to dispute them and they were removed. XXXX XXXX XXXX continues to put this account on my credit report after being notified that it was identity theft. XXXX XXXXXXXX XXXX is costing me money and they continue to try to collect a fraudulent debt. Please assist me with having XXXX XXXX XXXX removed from my credit for good.
Product: Debt collection

XXXX, XXXX and XXXX are falsely reporting a collection on my credit report from XXXX XXXX XXXX. XXXX XXXX. services don't have a license to collect in illinois which is illegal to reach out to me and illegal to contact me and illegal to attempt to collect from me. XXXX XXXX XXXX, XXXX, and XXXX need to. be sued and shut down by attorney genreral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my personal information on Equifax, XXXX and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.
Product: Credit reporting or other personal consumer reports

Transunion is currently listing a chargeoff on my credit profile. According to the IRS, canceled debt is gross or ordinary income and should not be reported on a consumer report. 15 USC 1681a ( 2 ) ( I ) states a consumer report should not include transactions or experiences between the consumer and the person making the report. Transunion is also in violation of 15 USC 1681e ( b ) accuracy of reporting. This states whenever a credit reporting agency prepares a report they shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Transunion is the only credit reporting bureau reporting this information ( see attachments ). Also, I have disputed this account several times and Transunion has reported this account as not disputed ( see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sold my house last XXXX this account shouldnt even show on my account. I payed the remaining balance of my mortgage loan so by law and the fair credit act this must be removed from even being showed on my account!
Product: Credit reporting or other personal consumer reports

Dear XXXX, Transunion, XXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  XXXX Balance : {$0.00}