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

I have had an exceptional payment history for at least 10 months now after a bankruptcy last year. No missed payments, paid a loan off and picked up another small one to continue to help build my credit. My credit score dropped by 20 points last month for no reason whatsoever. I have called and tried to get them to explain and they told me they couldnt because they were not qualified to do it. I am under the impression that they are trying to get a little retribution because I sent them a couple of letters, emails, and made some phone calls to try and make them do their job or we would be meeting on the inside of a XXXX XXXX XXXX to let a judge figure it out and they are making an attempt to retaliate against me for it. I made a point to tell them that I am very serious about my credit file now that I have went through a bankruptcy to get a clean slate. Apparently they think I am joking. I missed 2 payments on a car loan in XXXX and XXXX of XXXX but since I havent missed a payment on anything and my credit score has been going down regularly over the last several months. I have had to contact them 5 or 6 times over the course of the last year to try to get information corrected and investigated and they have literally done nothing. They are always wanting to tell me they are reporting what is being reported to them but I am calling my creditors and they are giving me the dates of every time they report to the credit companies but the credit companies will go three or four months sometimes without updating my file with the information that my creditors are giving me and only after I call and complain or dispute are they forced to do their job and at times they still do not do it. I think they should be thoroughly investigate and criminal complaints need to filed against them I will be more than happy to put my signature to them. I have had quite enough of their garbage and they have been warned by me personally several times. I would appreciate anything the CFPB could do to help me in this matter. We will be visiting court if this can not be resolved through this body but I am doing my due diligence to try and get things taking care of before the papers go out. Thank you.
Product: Mortgage

I refinanced my mortgage to lower my interest and shorten my term to twenty-five years.

Carrington Mortage Services, LLC purchased my VA loan. From that time, my mortgage continued to rise from XXXX XXXX  monthly to {$1400.00} monthly to date. Simplify because they refused to allow me to get credit for shortages and avoid shortages by putting money into my escrow account. They would send me a check for overpayment but continue to not accept my payments for shortages. They will tell me legally I am not allowed to avoid shortages by making the payment. So, no matter what I attempt to do to prevent my mortgage from increasing, my mortgage automatically increases every year. 
There's nothing I can do about it. I am never late, nor have I ever missed a payment since I have owned my home. This company is forcing me into foreclosure by legally utilizing my escrow account and repeated escrow analysis to do it. I strongly feel like I am being profiled by this mortgage company. I reported them to the VA, and the repeated escrow analysis was reduced to once a year. No change to the mortage increases and still not accepting my shortage payment to avoid the increases. I received the escrow analysis alert on my phone and responded the same day with payment, only to learn my mortgage had already increased.
Product: Credit card or prepaid card

Chime is a prepaid credit account with no clearly defined minimum balance. I had a zero balance before I closed the account. Chime reported my account 30 days delinquent. 

Between XX/XX/XXXX, XXXX XX/XX/2022 CHIMEFIN/XXXX XXXX reported my account 30 days late. 

This account is currently closed.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sat on the phone for 2 hours waiting for someone to assist on XXXX. No one picked up. Automated voice from Nelnet said wait time 30min. 


Last week sat on hold for over an hour. No one picked up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and notice some hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

this is the message i receive from them 5 days ago " We are delaying the availability of funds that were deposited to your account ending in XXXX as part of the following transaction : XXXX date : XX/XX/2024 Item amount : {$20000.00} Funds available on : XX/XX/2024 " then today i wake up my account has been restricted with no notice of information about the cashier check i deposited into my account.
Product: Credit reporting or other personal consumer reports

I reacheed out to yu all early XXXX of XXXX  and I am very disappointed in your respoinse, the issues were not resolved and I am still going through these issues. There are 2 collections that are on my credit files that do not belong to me and must be removed asap. They were caused by identity theft I am assuming. ALl I know that I DID NOT CONSENT TO DOING BUSINESS WITH THESE 2 COMPANIES NOR WAS I AWARE OF THESE COMPANIES UNTIL XXXX OF XXXX WHEN I INITIALLY REACHED OUT TO YOU ALL. YOU KNOW THAT YPU ALL ARE VIOLATING MY RIGHTS AS ACONSUMER AND THAT BY FURNISHING INFORMATION THAT I DID NOT AGREE TO MOR WAS I AWARE OF I CAN TAKE LEGAL ACTION WITH YUR COPANY FOR FALSELY REPORTING INCORRECT INFORMATION... There is also a Collection reporting on my child support,, i was never late and that needs to be removed asap! 

Furthermore, I would like to remind you of two laws that indicate you can not report this type of information to my credit report. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION. No consent is fraud therefore you can not legally report this alleged late payment to my credit report AND 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report indicates that any credit transaction should be excluded from a consumer credit report, if a social security card was used in the transaction. My social was used in this transaction therefore you can not legally report this information. 

PLEASE ESOLVE THIS MATTER ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Paid Off/ Closed. I just got a copy of my credit report. I noticed that you are reporting this account incorrectly. this collection account is not only reporting as PAID/CLOSED, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Student loan

I have sent the application to apply f or Income Based Repayment 5 times. Every time I wait a few days and call to check if they have it ( when it w as mailed - I waited a week ).     I faxed a paper copy  XXXX   XXXX  to  XXXX . I called on  XXXX   XXXX  - they said they had no record of my fax and to try the online application.     I submitted my online application on  XXXX   XXXX  at studentloans.gov. I called  XXXX   XXXX  and they told me they could not see any record of me accessing the site - they asked me to mail it.     I mailed a copy on  XXXX   XXXX  priority mail. I messaged them on  XXXX   XXXX  and they again told me they had no records.     I finally emailed them a copy of the application this morning and got a response telling me that they finally can confirm I accessed studentloans.gov but that I had not submitted the supporting documentation ( which was included in the email ).     I have now sent another email with the PDF application and supporting documentation but my deferment period is ending  XXXX   XXXX    XXXX  .     I need someone to help me make my servicer process my application and documentation that I have submitted multiple times through the last month.
Product: Debt collection

I have been receiving 6+ collection calls a day from Barclays . I did make a payment earlier this month and it stopped for a short time but a few days ago they started up again. Calls are happening anywhere from XXXX XXXX  to XXXX XXXX 7 days a week. From mid XX/XX/XXXX until early XX/XX/XXXXI logged almost 200 phone calls from them. No voicemails are left just repeated calls all day long.
Product: Debt or credit management

I entered an agreement with Clear One Advantage in 2020 for a consolidation loan. One of the creditors is now claiming they did not receive payment. I am currently being sued by the creditor for payment. I have been working with Clear One Advantage to try to get the information to prove payment was made, however, the only information they have provided are XXXX payments made to the creditor. I need more information on the settlement agreement itself or confirmation the account was paid in full according to the agreement. The account was written off and sold to another company who is now pursuing payment.
Product: Credit reporting or other personal consumer reports

It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, but that are NOT. TRANSUNION is reporting 1 inaccurate late payments for the XXXX XXXX XXXX XXXX  account ending in XXXX. This includes a 30 day late payment posted in XXXX XXXX  These are incorrect and supported to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report of file, violating 15 U.S.C 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer right under the FCRA and the inaccurate reporting is causing me detrimental emotional stress and my reputation severe harm & discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Was required to use the service as part of a hard inquiry for a car loan. I agreed to pay the {$1.00} fee. I then went to their site, created an account, and requested the subscription be cancelled. No response. 

XXXX - My card was charged {$24.00} despite my cancellation request. I then went into the account, deleted my payment method, and unenrolled from the service. It said that it went through. 

XX/XX/XXXX - My card was charged {$24.00} for a second month, despite my prior attempts to cancel the subscription and delete the payment method. I then tried to access my account, and it first said I needed a security code. It did not come for half an hour. In the mean time, I tried accessing my account again through " forget my password, '' it asked a security question. I gave the answer I used when I set up the account, and it said that it was incorrect. I then put it in again, and it failed. Thus, my account was locked/disabled. I then got the security code, and it further disabled my account. I then went and called customer service, and was on hold for an hour. Then it disconnected. There is no way to access my account in order to cancel the subscription and my account. They charged me twice for a service I cancelled.
Product: Vehicle loan or lease

The account holder of the auto loan have made payments desired for the loan. When payments have been made, the company does not accurately input the information regarding to decrease credit score tarnish credit history such as delinquents.

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 a reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

XXXX XXXX XXXX sold to another company indebted an trying to collect XXXX debt an XXXX  my credit rights 15 U.S. Code 1692 ( g )
Product: Credit card or prepaid card

I got approved for the Discover It Credit Card with a limit of {$500.00}. Got asked for verification, and added on extra information. Card got closed 1 week later, citing they were unable to verify personal information. Called Support, but ended up getting transferred everywhere without any resolution. Ended up with XXXX points to my credit score when there was no effort on their part to help and just closed my account
Product: Credit reporting or other personal consumer reports

Equifax continues to report the XXXX XXXX XXXX XXXX XXXX '' card account ending in XXXX on my Equifax Profile even though the account was reported as a Fraudulent account and deleted by the credit grantor, XXXX XXXX XXXXXXXX XXXX I have provided a letter from XXXX XXXX XXXX which indicates they have found the account to be fraudulent, have closed the account, and have removed the account from my Credit File . I have also submitted an FTC Identity Theft Affidavit that was received by Equifax on XX/XX/2023 indicating that the XXXX XXXX XXXX account IS in fact a Fraudulent account. Additionally, there is a Fraudulent Inquiry by XXXX made on XX/XX/2023 that is also on the FTC ID THEFT AFFIDAVIT that has been disputed several times over this year as fraudulent and has also not been removed..
Product: Debt collection

On XX/XX/XXXX diversified consultants, sent a letter stating they would delete the following account from XXXX ( who I never had service with ) in the amount of {$650.00}. Well as of XX/XX/XXXX I receive an email from XXXX, stating a new account has been added to my file. The FCRA states I must receive written notice before something is placed on my file. This company deleted than readded this account to my credit file.
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 ( CFPS ). 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 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

My bank called me and told me that my Zelle account was hacked and I had to reimburse myself. The money was then sent not to me but to someone else. 
XX/XX/22 {$1000.00} then {$500.00} = {$1500.00} Same number as my financial institution. My bank said they could do nothing it was an external account. But its linked to my bank and offered through my bank. 

I have attached screen shots of the number and the Zelle account and one transaction that did not go through properly that shows my own name not the hackers. Also, several emails from my bank showing the differences in names. The names were switched somehow to the hackers.
Product: Credit card

These inquiries showed up on my credit report and I did not do them. 

Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

The company has not provided me any information they keep sending me a bill with no previous contract or agreement between myself and them.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was advised that my name is a part of data breach that the credit reporting agencies experience. I have not been able to secure my information since this exposure
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by TransUnion, XXXX XXXX XXXX concerning XXXX XXXX  Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

On XX/XX/XXXX  I applied for the SAVE repayment program through the student aid.gov website. My request was forwarded to my servicer, Mohela and they cancelled out the request on XX/XX/ without providing any notice or reason for the cancellation. On XX/XX/ they billed me for a standard repayment amount of {$390.00} with a due date of XX/XX/. They have provided no reason why I was completely removed from my Income Driven Repayment plan all together instead of them recalculating my payments based on the new SAVE repayment plan.
Product: Debt collection

They continue to call my place of business. I have no knowledge of any other communication and have not received any letters
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states, " In general Subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX, and Experian the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information, and I never gave my written consent. Any and all consent to XXXX, XXXX, Experian, and XXXX XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services without my expressed permission.