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

So early warning services LLC is the company that is truly the credit company. It tells all the big banks wether they can trust the info being given. So what happens when it has all the info wrong. Or thought it was part of the XXXX XXXX scandal. When in actuality EWS is XXXX XXXX is XXXX  XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX. So what happens if you found out in 2013 XXXX XXXX had your social wrong. And the ews system that helped locate the fraudulent opened accounts under XXXX XXXX. Saw my wrong info. Because even though we found it in 2013. XXXX couldnt delete it. The people at the top and the bottom at XXXX XXXX. Have no idea about the company that actually controls them. No one does usually. But the account ROUTING number EWS has for me. That XXXX XXXX doesnt. Because its a reporting company. The disconnect begins. When all the info is right. But then you remember who owns zelle. Who owns the Mobile app for XXXX XXXX. When you check XXXX who owns that info. EWS. then if you know that these banks own EWS then it makes sense that they can get away sharing Our info. Since XXXX XXXX is part owner of it. Then you start to realize how does the gov get their info and identity markers. Well take it from someone that has had no access to their own credit ever. Why? Who knows. But EWS does. A little obsecurw company in Arizona. That surprisingly makes a lot of money off the gov. Hmmm. Please stop insulting my intelligence. The person reading this. I get it. You may not even know. So forward me to someone that does. I have the info/evidence. Anytime I show it to someone I end up in the highest offices. So someone please explain to me. Whos routing number this is. And why is it register to a location. Ive never been in. Until this week. Causing my banks to literally get charges filed on me continuously. For giving my real info. For the love of XXXX I hope this is an isolated incident. So its going to take more than a level XXXX  or two level access clearance worker. This should go to the top to Mr XXXX XXXX XXXX XXXX. Even though he left. So they say. I will start to dispute the charges. But Ill do it through here. Since EWS still uses an archaic system. That requires an old pc to use their secure message server. Much like zelle. Oh wait XXXX. EWS is zelle. So what did the fed reserve use to send out stimulus checks? But you are just a little reporting agency. 18 years of my life. Its time someone tells me whats going on. I wont go away. Please stop with the run around. 

This is the routing number I need answers on. XXXX XXXX has no idea. EWS has no idea. All I know is its not my first bank account. So why is it what you guys have Routing XXXX Not to mention it says my checks are XXXX XXXX California.. Nope. Def not. 

As you can see in the pics. The account EWS thinks is closed. Yet its not. Yes its negative but Im through paying fees to my bank because they have no idea a company they own that truly Controls everything.
Product: Money transfer, virtual currency, or money service

Against Cash App ( Block , Inc. ) I am filing a complaint for poor customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ) complaint against Cash App. In particular, my account was vulnerable and unprotected because Cash App did not take the necessary and timely measures to prevent and deal with fraud on its platform. Their dispute resolution process was unfair and deceptive, as they did not follow the error resolution requirements of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me a lot of inconvenience and financial loss and I seek these violations to be rectified accordingly.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I did an online transfer from my account to my nephew 's account through PayPal on XXXX XXXX, 2020. PayPal is holding the release of the money to my nephew claiming that it was considered a `risky` transaction and was therefore sent as an e-check instead of an immediate bank to bank transfer. When I asked PayPal what qualified my transaction as `risky ', I never got a direct answer. All I keep getting are scripted answers that e-checks take a while to clear. However, I checked with my bank and the transaction was cleared and paid on XXXX XXXX, 2020. I had no other recourse by file a dispute with PayPal on holding the money for no valid reason. 

I did some research on PayPal and apparently they have a practice of holding payments in pending made by other members, of which I suspect their `internal security system ' would randomly do. The amount I'm disputing may be insignificant but if other members ' money are being held as well, the total amount held can be significant and PayPal could conceivably be advantaged financially from the `float ' on the money. This is practice PayPal is engaged in can be best described as deceptive or fraudulent. I have also filed a complaint on this matter with the Federal Trade Commission/Bureau For Consumer Protection and asked them to investigate this matter.
Product: Credit card or prepaid card

I have been a  XXXX  's  Cardholder for 5 yea rs and in that time have always paid my bills on time. I was hospitalized twice and have been out of work for approximately 4 months now due to illness.  XXXX  's used to be managed by  XXXX    XXXX   which  XXXX    XXXX   did offer card security in case of being unemployed, illness, death, etc. I tried calli ng Wells Fargo to exp lain to them my situation and informed them that I was willing to work out a hardship payment plan if possible. The problem that I have with this whole scenario is when I opened this account, I had  XXXX  insurance on the card  XXXX   XXXX  and  for Wells Fargo t o take over accounts and not offer the identical coverage and not inform the customer that they no longer have the coverage is unfair. This is information that a customer needs to know. Until I became ill, I always made sure that my bills were paid on time and m y credit score was  good. I thought that I had coverage and when I was told that I did n't I asked did they have a hardship program of some sort and their response was no and we can do nothing to help you. This is crazy!!!! I tried to explain that even though I 've been a good customer does that no account for anything? The response no sorry ma'am. This is unfair.
Product: Credit card or prepaid card

XX/XX/XXXX, & XXXX I was charged {$100.00} from XXXX ( XXXX ) for eye serum I did not order ( See doc 1 ) called Barclay see ( doc3 ) Then see ( Doc 2 ) with a pirated tracking number not associated with me or my address according to usps. Alleged delivered 2 days before ordering. Barclays just said they had a tracking number & would not remove the charge! In the meantime on the XXXX statement ( Doc1 ) I was charged {$44.00} & {$1.00} from XXXX Called spoke with XXXX & he said he would remove the charge. It was removed. Also all on XX/XX/1922 was charged {$69.00} from XXXX ( XXXX ) called spoke with XXXX according to her this was a XXXX tape! Also on XXXX, XXXX was charged {$590.00} from XXXX ( XXXX ) Called & guess who answered the phone XXXX from XXXX media. She said these were also a bunch or XXXX things like XXXX etc.. Called & Barclays ( spoke with XXXX ) told they would remove the XXXX & {$590.00} charge. ( Doc 4 ) XXXX statement ( Doc 5 ) On ( Doc 6 ) they send 2 more cards I never detached from paper nor did I activate them. ( Doc 7 ) claims these were Valid & put the charges back on see ( Doc 8 ) XXXX statement. Called spoke with XXXX XXXX XXXX assured me it would be off the statement in XXXX. XXXX statement arrived ( Doc 9 ) Charges still on acct. Spoke with XXXX & was told they gave the money back to the supplier. I called said supplier. I was told NO they had pulled the money from the XX/XX/22. Which was correct. They have never been given the money back. Yet Barclays is charging me & late charges. I ask where is the money then?? The supplier told me they didn't have it and the account was closed. Yet you are still charging me. They told me to make a police report. The police said they couldn't do anything this was a civil matter. So I've been going around & around for 7 months. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to XXXX, Transunion and XXXX to resolve this matter, and have not been notified.

Under 15 USC 1666 ( B ), there has been a violation under 15 USC 1681 ( B ) my rights have been violated. 
Under these laws, my consumer rights have been violated XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had someone trying to access my credit information and have placed fraud alerts on all credit reports. There have been many many inquiries by lenders in which I did not give authorization to these companies to access my credit report. I have tried contacting these individual companies for a resolution but there are just too many to deal with and not enough contact information is being provided, nor any assistance from these companies. Transunion advised me to fill out his form after placing a fraud alert on my credit file to have these inquiries removed from my credit reports. The inquiries are reported as follows on each of my three credit reports. 

TRANSUNION CREDIT REPORT INQUERIES : 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 XXXX XXXX XXXX XXXX XXXX CREDIT REPORT XXXX REFLECTS SIMILAR INQUERIES AS ABOVE
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Upgrade a notice informing them that Per FCRA, as a federally protected consumer ; I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non-verbal per 15 USC 6802 obligations with respect to disclosures of personal information this is immediately and indefinitely. 

In addition, according to the IRS publication a charge off is considered income and income can not be reported on a credit report, it is considered a certificate of indebtedness.
Product: Student loan

Payments were made on the account for {$1500.00} on XX/XX/ and {$1900.00} on XX/XX/. I received payment confirmation notices from Edfinancial for both payments. However, my account balance has not been adjusted online to reflect these payments. Additionally, neither payment was deducted from my checking account. As a result, additional interest has been accruing on my student loans. I have also received a 30 day delinquency notice from Edfinancial on XXXX. 

I contacted Edfinancial about this, they escalated it to their finance department but have not been able to resolve it. I am concerned about accruing additional interest as well as the threat of delinquency.
Product: Debt collection

I was offered a deferral in XXXX they sent me this information after the date they were requesting payment by. I explained via email I had been laid off and would care for the debt in full when I get a new job. I also explained that the date they wanted me to have new payment in by and sign agreement for has already passed. XXXX of my contacts listed called me and informed they had called them XXXX times. I never gave permission for anyone to be contacted outside of my initial approval for said loan. Nonetheless I contacted them and informed of my previous communications and the agent was combative after I stated I didnt want any of my references to be contacted and to place me on the dont not contact list they stated they didnt have a list for that. Frustrated I disconnected and they proceeded to call me XXXX times back to back. This is my first step before I file a BBB complaint. I know I owe the debt and I will pay it as I informed them via email. However being laid off XXXX unable to do so at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEB - RETAIL continues to report inaccurate information to all credit bureaus. When I dispute the payment history they update the late payments to new a new month and year. I have disputed multiple times with the creditor because the information is simply inaccurate and for them to change the dates of when the payment was late every time I dispute is proof that they have been reporting inaccurate information on my credit report. 

According to Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ), this is a violation to my rights as a consumer, and I ask for this account to be either removed from my credit report or the payment history be cleared for reporting inaccurate information on my account.
Product: Credit reporting or other personal consumer reports

I have had to constantly request the balance on my auto loan be updated and Ive been told high likelihood of getting a credit card approval and loan approval hen get denied taking points off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a email saying someone was using my security card number in different states, buying things, in places like Texas and in a few other states thank you XXXX XXXX, have a nice day
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

There is an inquiry that has been placed on my credit report on XX/XX/2020 by Synchrony bank from SYNCBXXXX. I disputed this inquiry with the credit bureau XXXX   asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the  company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes directly with the bureaus. The bureaus verify the account and do not remove. The creditor states they sent the account for deletion to the bureaus. The creditor states on XX/XX/2022 and XX/XX/2022 they sent a request electronically to the bureaus for deletion. I asked for help from XXXX XXXX, a credit monitoring service I subscribe to. XXXX XXXX  representative XXXX XXXX called the creditor and verified that the account is not mine and that XXXX reports sending a request for deletion.
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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) 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.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX
Product: Mortgage

I have attempted to appeal the loss mitigation denial where a letter was sent by EverBank on XX/XX/XXXX. This letter claims that XXXX XXXX is not eligible for loss mitigation because he failed the NPV test. I requested ALL input values used to run the NPV test. In a letter dated XX/XX/XXXX, an EverBank representative, XXXX XXXX, claims that the reason why a loan modification was not offered to XXXX XXXX was because, he failed to complete a subordination package to EverBank. ( A  copy is enclosed for your records. ) This subordination package was never sent to me, XXXX XXXX 's attorney, but should have been sent to me since ALL correspondence regarding XXXX XXXX loan modification has gone through me since he initially applied for loss mitigation on or about XX/XX/XXXX and completed an authorization form for me to speak with EverBank on his behalf. The only piece of correspondence that was not sent to me, as far as I know, apparently was the subordination package. EverBank determined that it was going to stop working with the XXXX attorney, me, even though this case remains in litigation, and deal directly with XXXX XXXX. This is a violation of NYS law and resulted in XXXX XXXX losing the opportunity to modify his loan. EverBank has come up with a new reason failure of the NPV test. EverBank should not be permitted to fail to send the subordination package then force XXXX XXXX to do a completely new loss mitigation application and after years of engaging in attempting loss mitigation, claim that it failed the NPV test when on XX/XX/XXXX, that was NOT the reason why loss mitigation was denied. XXXX XXXX should be put in the position he would have been in but for Everbanks mistake when it failed to send me the subordination package. Further, in this XX/XX/XXXX letter, I was advised that XXXX XXXX loan was denied,... as he did not satisfy all the requirements that would have allowed us to continue our review of this request. Accordingly we were required to provide an accurate reason for the assistance denial ; therefore, we referenced the NPV results from XX/XX/XXXX. Additionally, on XX/XX/XXXX, I requested a payment history of XXXX XXXX XXXX LOAN XXXX and that was never sent. Please send an updated payment history. EverBanks actions and inactions in this case are bizarre. Based upon the foregoing reasons, the denial of XXXX XXXX for loss mitigation was improper and illegal. We are seeking a review of the determination and a response to this letter, a loan modification, and payment history, immediately without further delay. The Consumer Financial Protection Bureau should note that the master servicer for this loan is XXXX XXXX which has a long history of consumer fraud.
Product: Debt collection

A default judgment was filed against my property on XX/XX/XXXX, in the amount of {$3800.00}, in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. In XXXXXXXX XXXX XXXXXXXX, I received notification of a wage garnishment in the amount of {$7500.00}, by CACH , LLC. 

I've had no prior communication with this firm up until I inquired into the nature of this action. 

Furthermore, I don't believe this is my debt!