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

I am a current customer of GM Financial. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.
Product: Debt collection

I get 5 to 7 calls a day from affirm on my work cell phone through out the day everyday. Last person i talked to was rude and i couldn't understand him and he threatened me saying it would be put in collections if not paid. I was out for 2 weeks with XXXX for the 3rd time and i tried there site and it said i didnt qualify. I have all the phone documents and XXXX XXXX to add to this complaint. I emailed and chated online to stop the calls and its still happing. I have paid half the loan off and could not due to out of work for XXXX Now im back to work but they will not work with me and still call my work phone while im at work. Today i chatted with them and they claimed they were not making mulitple calls and i have the logs here. They lied to me about the calls and i pointed that out but i cant send them nothing to show it on there chat. And when i call each number back it says affirm message and hangs up. He said they would not repeat calls and at the same time of the chat another call from them came in from a different number. So he lied about calls and harrassment calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 regional XXXX addr XXXX XXXX XXXX  XXXX nc XXXX i didnt have anything is sv with this company or anything .but i fine out is in my transunion credit report 2 exeter fin XXXX XXXX XXXX tx XXXX XXXX i have call this 2 company up and tell them take of my tranunions report but they still not do anything i belifive idennity teft
Product: Credit reporting or other personal consumer reports

this account is reporting to my credit reports twice which is inaccurate. the amount is also inaccurate. and child support is also not a loan or line of credit and therefore should not be reported to my credit profile.
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. 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 XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Checking or savings account

Wells Fargo brgan declining my transaction and I kept having to call them. Finally they stopped approving all transactions and lied and said that there was an XXXX financing charge for {$0.00}. I called them and they made me review over 10 transactions that all belonged to me. I told them I didnt want to close my card account for the fake XXXX Financing {$.00} charge but they closed my card anyway saying they had to mail me a new card. There was never any such transactions on my account. They just made it up and lied and closed my card down. It took them 6 weeks to mail me the 1st card. They are working with hackers who kept putting fake charges on my previous bank account with XXXX XXXX They messed the XXXX XXXX  account up so badly that I had to file police reports for fraud and close the account. Please help because Wells Fargo and this group is trying to make me lose my job by destroying my bank account.They keep interfering with my XXXX and XXXX rides causing the payment to reject so that I can not use any rude service. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint recently against XXXX, i has ask XXXX to remove all credit inquiries off my credit report because I did not recognize any of these inquiries they have failed to delete thee off my credit report I took screen shots to show that there still on my report, some of these inquiries are on my XXXX  credit report twice I will provide a FTC identity theft report and the screen shots these screen shots were taking today XX/XX/2020, I want these removed off my report, I was told by a rep from the Consumer Financial Protection Bureau to feel another complaint since these inquiries was not removed from my report thank you, please have XXXX  remove these remaining inquiries I do not recognize
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 addresses fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I have an account with this company where I stored money. I have not been able to log into excess my funds in months and every time I email them they say that they have no customer service available and for me to chat with them in the mobile app but you are unable to chat with them unless you login. I've exhausted every resource trying to communicate with them but they do not respond other than automated messages. I've contacted the FTC, the XXXX XXXX XXXX, the Attorney General 's office and the local authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, has violated my rights

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

Attached is a screenshot and letter that I recently sent to XXXX and Experian. I requested that both CRA 's do a complete investigation to ensure the accuracy and of ownership regarding this XXXX. I was sent a letter from both CRAs that this account was verified as accurate. I have requested their method on verification as proof as to how this account was verified as accurate but did not receive anything. IF a complete investigation was done XXXX and Experian would have seen this account was deleted from my XXXX report. They would have also seen all of these inaccuracies. I highlighted as proof that this XXXX account is not only inaccurate but also has not been validated as my account.
Product: Debt collection

I receive calls in excess of 6 times per day, every day, Monday through Friday, starting at XXXX and ending at XXXX. When I answer they ask for my wife. When I tell them she is out of town or unavailable, they say they will call back and hang up. They refuse to identify the balance owed, if any. Often there is no one on the line when I answer, and when I do n't answer, they do n't leave a message. I have identified to them on numerous occasions that they are harassing me to no avail. This has been going on for in excess of a year. These calls are severely affecting my ability to conduct my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** XXXX  # XXXX**** I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Product: Credit card or prepaid card

In XXXX of XXXX, I got a new USBank Kroger card. The first day I used it once and then when I tried to use it a second time, the fraud department called and put me on hold for more than 45 minutes. By the time they answered, I was driving and unable to receive a text message, so they reported the card as being used fraudulently. They did not tell me this, and I spent more than 6 hours on the phone over the next several days trying to resolve the issue. I was billed for the first charge, so they clearly know it wasnt fraud, but they still shut down my card. I was very inconvenienced, my credit was affected, I wasted many hours, and I was treated very poorly by the staff.
Product: Money transfer, virtual currency, or money service

I transferred XXXX to an account owned by my friend and possible business partner due to fraud I was experiencing on my accounts. 
The amount of XXXX was supposed to be wired to a new account once I moved and opened the new account within a few days. 
The banker named XXXX XXXX XXXX at Charles Schwab sent me personal text messages attacking me and telling me that she told me that she told my friend XXXX XXXX not to do business with me. I do not know this woman. She defamed my character and then she told me that she took XXXX from my money and invested it somewhere else for XXXX months. She would not tell me where and she refused to return it. When she was told to wire my money she refused to wire it to a new account and refused to wire it until she had time. She instilled great fear and distrust and stole my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Credit Reporting Dear CFPB Representative, I am writing to formally file a complaint against TransUnion for failing to provide accurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ). 

Upon reviewing my credit report, I noticed discrepancies in the reporting of my rental payments under the account identified as XXXX. Specifically : XXXX. My rental payments for XX/XX/XXXX and XX/XX/XXXX are not updated on both reports XXXX XXXX, AnnualCreditReport. It's showing date of Last Activity XXXX XXXX XXXX. My rental payment for XX/XX/XXXX, is completely missing. 



Enclosed with this letter, I have provided the following documents as evidence : 1. A screenshot of my TransUnion credit report showing the missing and incomplete information.

2. A statement from my rental management account showing the payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 



These inaccuracies are not only misleading but could negatively affect my creditworthiness and financial reputation. Under the FCRA, TransUnion is obligated to ensure that all furnished information is complete and accurate. 

I kindly request the CFPB to investigate this matter and compel TransUnion to update my credit report with the correct payment history for the account in question. 

Please confirm receipt of this letter and let me know if further documentation is required. I look forward to your prompt response and resolution of this issue. 

Thank you for your time and attention to this matter. 

Sincerely, CFPB TRANSUNIONS NOT COMPLYING ALSO VIOLATES. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater ;
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still items that should be deleted. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding their handling of my credit report dispute. 
On XX/XX/year>, I submitted a dispute to Experian concerning inaccurate information on my credit report. To support my dispute, I included a copy of my pay stub and Social Security card. However, I received a response via email from Experian on XX/XX/year>, stating that they did not believe the dispute was sent directly by me or authorized by me. This response was surprising, as I had provided sufficient documentation to verify my identity. 
In their letter, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' I found this response to be unjustified and concerning, as I had clearly identified myself and provided the necessary documentation. Following this, I resent my dispute on XX/XX/year>, along with my identification information, including my Social Security card and pay stub. This second dispute was also sent via USPS. However, I received the same response from Experian again, indicating that they still did not believe the dispute was authorized by me. This has left me feeling frustrated and without resolution. 
According to the Fair Credit Reporting Act, I understand that I have the right to dispute inaccurate information on my credit report, and the credit reporting agency is required to investigate my claim. However, Experian 's refusal to acknowledge my dispute is preventing me from exercising my rights. 
I am requesting your assistance in addressing this matter with Experian. I believe that they are not complying with the requirements set forth in the FCRA, and I would like to ensure that my dispute is properly investigated. 
Thank you for your attention to this matter. I look forward to your response and any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated on XX/XX/2022 in their response to a dispute ending in XXXX that they would delete XXXX tradeline from a credit report. I will paste their response below. I want Transunion to follow through on what they said. 
-- -- -- -- - Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through XXXX mail. You should expect to receive those results in approximately XXXX business days. 

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXXXXXX XXXX-UPDATED ( XXXX ) XXXX XXXX-DELETED ( XXXX ) XXXX XXXX XXXX & XXXX
Product: Checking or savings account

Wells Fargo online banking has created a dark pattern where they do not provide customers with a self-serve option to pay an invoice via ACH, forcing customers to use wire transfers that charges customers a minimum of {$40.00} to make a transfer. 

The current options for me to make a transfer from my Wells Fargo online account to a business account at XXXX in order to pay my tax preparation service are 1 ) use bill pay to mail a physical check. The business will not accept checks. 
2 ) use XXXX to pay the invoice. The business I'm paying is not on XXXX. 
3 ) use a wire transfer to pay the invoice. This will charge me {$25.00} I want to make an ACH transfer and the only option Wells Fargo gives me to make an ACH transfer is to send funds only to non-Wells Fargo accounts I personally own.

This bank is deliberately forcing it's customers to choose an expensive wire transfer option in order for us to send a digital bank-to-bank transfer within the US. Wells Fargo has the ability to send money via ACH to non-wells fargo accounts not in my name but they are purposely choosing not to provide that option to customers and leaving us with only expensive alternatives. 

Their customer support team was not helpful in solving this over the phone and requested that I call the business I'm trying to pay and ask them to join XXXX or to accept a physical check which I find ridiculous.
Product: Mortgage

Ocwen is reporting late payments to the credit reporting agencies when our mortgage loan with Owen is under a Federally Declared Disaster ( FDD ) program. During the FDD program period, our loan is set up on a forbearance payment plan effective XXXX XXXX, XXXX through XXXX XXXX, XXXX. During the FDD period we are not required to remit any payments from XXXX XXXX, XXXX to XXXX XXXX, XXXX. During the FDD period, Ocwen was not supposed to submit any derogatory credit reporting while the loan is on the disaster area assistance forbearance plan. 

I submitted a complain to Ocwen regarding the adverse credit reporting during the FDD program period. Ocwen responded with a letter dated XXXX XXXX, XXXX, confirming that there should have been no late payment reporting during the above mentioned timeframe. 

However, as of XXXX XXXX, XXXX, Ocwen is still reporting late payments to the credit reporting agencies. I sent letters to all three credit reporting agencies disputing the negative credit reporting activity from Owen during the FDD program period and attached the letter I received from Ocwen stating that they should not have done so. 

I have received two alerts from XXXX credit monitoring informing me that my credit score wend down for the singular reason that Ocwen is reporting late payments during the Federally Declared Disaster ( FDD ) program period, even after receiving I received a letter from Ocwen stating they should not and would not submit any derogatory credit reporting during the forbearance plan period. 

I submitted a prior complaint regarding Ocwen 's corporate behavior previously. I have worked in XXXX XXXX for 19 years and I must tell you, Ocwen is the worst corporate citizen I 've ever encountered. Every attempt I have made to work with Ocwen has been a nightmare. This company 's handling of client service matters is adversarial. It drives me crazy to hear their phone message say " Ocwen - where helping customers is what we do. '' It 's a bogus claim.
Product: Credit reporting, credit repair services, 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 XXXX Account XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or 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.
Product: Credit card or prepaid card

I made a deposit of {$10000.00} casher 's check XXXX XXXX it did not post until the XXXX and then I proceeded to pay off my credit card. The first problem was they wanted to put the casher 's check on hold until after the XXXX XXXX  so I could pay interest on this twice. They reluctantly took the payment for the credit card. {$6600.00}. Then they double payed the card out of my checking account. This put my account over the limit and cause non sufficient funds penalties. Now my account is frozen and they said the would contact me at their convivence. And then I could ask to have the overcharges reversed and the extra interest with it.