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

I have asked TransUnion to remove an incorrect report that showed up on my credit profile about 2 months ago. 
This report is completely incorrect. This collection account should not be showing up on my report as a XXXX month old account. The account is closed this account was taken care of years ago. 
It has not been reported by any other credit bureau. 
I have informed TransUnion on this matter concerning this error, and they are refusing to do anything about it. 
I have asked them to delete this account, especially because of the reported young age of this past delinquent closed account. There is no way that this account should be 2 months old when I am currently a client of charter communications, and I have had great relationship with charter communications for quite some time. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion has violated my rights.
Product: Credit reporting or other personal consumer reports

I have a company called Exeter Finance reporting on my credit bureau that isnt mine it says I co-signed and that is not the case my name was forged onto these documents by a car dealership MY legal name is XXXX XXXX XXXX and has been since XX/XX/XXXX the Loan documents states that XXXX XXXX XXXX signed the document I was a SELLERS from XXXX XXXX and I remarried in XXXX of the same year but my License state on XX/XX/XXXX I was issued license with the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX well this vehicle loan was taken out XX/XX/XXXX for {$16000.00} by XXXX XXXX and XXXX XXXX XXXX I was a XXXX at that time when I called the company I pleaded my case to them I even sent signature samples and the guy told me no these are not the same signatures then I sent over my drivers license that pretty much solved the case because when asked did they have a copy of the drivers license for XXXX XXXX XXXX that supported the claim they said no and that is a must or everytime I have purchased anything I have had my license copied and attached to documents they had no income statements nothing but a signature and this has forced me not to be able to purchase or finance anything
Product: Debt collection

I sent in a letter around XXXX and gave this company 30 days to verify this debt they sent me a bill but it did not have anything about verifying the debt, 30 days later I sent them another letter to verify the debt because it had nothing to verify that the debt was actually mine ; and told they had 15 days but they never responded and its been almost three months ; the second letter was sent on XXXX/XXXXXXXX. The debt is in the amount of {$880.00}
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 violates 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 and 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 action have caused significant inconvenience and Financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I began an assumption process in XXXX of 2024 with NewRez. I was assigned a loan XXXX at the end of XXXX. He requested I fill out an assumption packet that I had previously submitted with NewRez. He refiled my paperwork, leaving off my per diem jobs and only including my full time position and child support payments. I informed the company I had a deadline of XXXX XXXX 2024 and requested documentation to file an extension with the court to which they did not provide. I provided all requested documentation with 1 business day as needed. I received an email at the end of XXXX that I was conditionally approved and my loan was in underwriting. On XX/XX/XXXX, I was informed that I needed 6 months proof of child support payments ( pushing me to end of XXXX past deadline ). I asked if I could pay of my car loan to decrease debt to income ratio and have this processed faster. My ex husband filed a motion with the court after I passed the XX/XX/XXXX deadline to force the sale of the home. I was told twice that I only needed " X/Y '' documents to proceed, to which I was requested additional documentation including a quit claim deed that had to be notarized and signed by my ex husband and confirmation that I gave him the equity check. ( both provided ). I had to spend over {$8000.00} of mine and his lawyer fees to extend until XX/XX/XXXX 2024. NewRez told me that it would be an estimated 2 weeks to close after providing the quit claim deed that was submitted on XX/XX/XXXX. I have been requesting updates from my loan XXXX via email with no response. I spoke to him ( XXXX ) on XX/XX/XXXX to which he said " it's processed in the order it's received after approval '' when I asked about providing documentation of said approval he said he emailed it to my lawyer and I ( never received. XXXX was unable to provide requested contact information for an assumption team supervisor and the main customer service line states they can't help because they are a separate team. The main assumption team email has not responded to my request for documentation of an approval letter and estimated closing date. The sale of my home will be forced if not closed by XX/XX/XXXX24.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name, Address, Telephone number and Date of birth incorrect. Needs to be deleted and updated immediately.
Product: Debt collection

I received a letter saying I owe a student loan and must send the amount to them.The letter used the US Dept of Educ. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter 10 yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as 5 dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for 5 dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the 5 $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again 2 letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XX/XX/2019 I reached out to each bureau ( XXXX, experian, & XXXX   ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed from my credit report.
Product: Debt collection

My son had XXXX XXXX treatments at XXXX XXXX XXXX in XXXX and XXXX of XXXX The XXXX visits were paid by insurance and we paid our copay. XXXX XXXX had some confusion about the claims for XXXX since we changed insurance effective XX/XX/2020. After receiving several statements from XXXX, I called XXXX XXXX XXXX to find out why the XXXX visits were not paid. I contacted XXXX on XX/XX/2020 and XX/XX/2020 and asked them to reprocess the XXXX claims and to put our account on insurance hold. 

Today we were notified that the XXXX claims were turned over to collections. 
It is irresponsible of XXXX to turn claims over for collections when they should be pursuing our health insurance carrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen. With my social security card credit cards banks cards. Id etc they tryed to open banks phones credit cards. Loans. And they used my atm card and got my money
Product: Debt collection

I have learned from the CFPB 's form that the firm XXXX ( XXXX, XXXX, XXXX XXXX XXXX XXXX ) was supposed to notify me they were suing me before initiating a law suit. 

They never did that.
Product: Credit card

On XXXX the XXXXXXXX XXXX  someone tried to open app an account with XXXXXXXX XXXX without my authorization. On XXXX the XXXX 2024 someone tried to open app an account with C. B. N. A - XXXX XXXX XXXX. Without my knowledge, I think I have been caught an identity theft because my credit report took a huge hit.
Product: Debt collection

I was called on XX/XX/XXXX and told if I didnt pay this debt by the end of the business day, I would be arrested by my sheriffs office. 

I let them know that I had {$220.00} to my name because Im unemployed and I have them {$200.00} of that. 

This is a debt that is close to 12 years old and has tried to be rectified one other time. No one needs to be threatened. 

I paid {$200.00} immediately and set up a payment plan for {$410.00} that would be paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a message to call them to confirm my next payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a written dispute twice to TransUnion by registered mail. I do have copies of receipt and stamped documents that they did receive my dispute. The first time I sent a dispute was XX/XX/2018 I received a copy of receipt that they stamped on XX/XX/2018 I did not receive any information regarding my dispute. The second time I sent a written dispute by registered mail was on XX/XX/2018 and I have a receipt that they received the documents XX/XX/2018. I have called TransUnion numerous times. They say that they have never received a written dispute by registered mail from me. But as I said I have documentation that they did receive my disputes. I have spent time and money to get damaging information off my credit report. Along with my credit dispute, I sent documents that would would support the accuracy of my disputes.
Product: Checking or savings account

I check my account anytime that I make a purchase to make sure that the funds are available and that I don't have an overdraft fee. This morning when I checked my account, there were 4 overdraft charges on my account. I checked 3 out of the 4 and there were funds available when the transactions were made and posted. I then called the bank which they have longer than usual hold times of up to an hour when usually I can reach someone immediately. I waited for a callback and spoke to someone named XXXX with an operator ID of XXXX. He then said that all charges were valid even though I advised that my app and my online account were showing that the funds were available for each transaction. He then proceeded to ignore the questions that I was asking him saying that he was trying to explain each transaction. I listened to one transaction and told him that didn't match up to what I saw online and through my app on my phone. He then said that all charges were valid. I requested a supervisor numerous times becoming more and more irate as the time went on because he refused to put me on hold though I told him that I didn't mind being put on hold. He came back not even 30 seconds later and said that no supervisor was available. So then I told him that I would hold and it didn't matter how long but that I would simply hold and that I also wanted to close my account due to his horrible customer service. He then refused to put me on hold for a supervisor and disconnected the call. I have downloaded my statement as of today XX/XX/18 at XXXX XXXX and my account was only overdrawn once and to that, I am also questioning because of the other erroneous charges on my account. I'm including the charges and also a highlight of when the charges actually came out of my account and the amount left when the charges had come out. I offered to send the same information that I was reviewing with the representative but he refused to accept my documentation. If my account didn't have the funds in there when the purchases were made it would show and if it were negative it would also show. This statement shows that the funds were there, however, the representative was saying that there weren't funds available. Either their online and app is behind and slow or they have inaccurate information in their system. Either way, it isn't the consumer 's issue or fault if they have something completely different in their system than what our online account and apps show. We rely on the information that is provided through their website and their applications so it should be accurate and up to date. We shouldn't see one thing online and be told something completely different when we call.
Product: Debt collection

Company - North Shore Agency attempting to collect for a non renewed subscription to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC account XXXX XXXX XXXXXXXX not reporting correctly, this account is not accurate. 

They have reported information verified My confirmation number is XXXX Can you please look into this matter
Product: Debt collection

Pursuant to 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

Bridgecrest has mailed letters to my place of residence which serves as a form of communication.

Pursuant to 15 U.S.C 1692 Section 804 ( 2 ) ( 2 ) not state that such consumer owes any debt ; Bridgecrest has mailed a letter stating I " owe and alleged debt '' ( not state that such a consumer owes any debt ).

Can you reference the federal law that states I owe the debt under the Federal Debt Collections Act? Does your contract supersede federal law?

Bridgecrest has a legal obligation to abide by federal law under the Federal Debt Collections Practice Act. Bridgecrest has not provided an appropriate federal law to respond to my CFPB complaint. Once again the federal law under the Federal Debt Collections Act governs your contract. Please review your incorrect response and respond accordingly as you have violated federal law by indicating on your letters that This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

Please note based off the federal law I provided in my CFPB complaint that statement is illegal and potential legal actions could be faced by your company if the law is not followed.
Product: Payday loan, title loan, or personal loan

Ace consistently took money out for payments on the wrong agreed dates, my account stayed in overdraft, and I would get overdraft charges Everytime they tryed to run a payment through my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two derogatory accounts that show up on my credit report is actually one and it was paid in full to XXXX. There is not any money owed. Account was paid in full years ago.
Product: Credit reporting or other personal consumer reports

I have filed three CFPB complaints against Experian regarding three accounts that should be deleted due to me being a victim of XXXX Data Breach. They keep closing my disputes through their portal and not properly investigating or responding to the CFPB complaints Ive submitted previously. I have sent my FTC Report that was filed and is attached to this complaint. This process is to be done in 4 Buisness days. They are violating all type of comsumer laws and reporting inaccurate information because these accounts have been deleted from my XXXX report. Inaccurate info failure to maintain 15 USC 1681 e ( b ), 15 USC 1681i ( 5 ) requires removal of inaccurate information. Also violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws and they failed to look at the information presented and never consulted underlying documents to verify the inaccurate information. No verification was sent to me as a consumer as requested.
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, AND XXXX, UNFORTUNATELY, THE UNAUTHORIZED INQUIRIES STILL REPORTING IN MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS CONSUMER. 

THE FOLLOWING INQUIRIES ARE NOT AUTHORIZED : EQUIFAX. 
1. The inquiry was not authorized CARD ASSET Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card or prepaid card

I spoke to your representative today. Please see cfpb notes from today case XXXX. I need an accountable signed response to initiate my lawsuit. This will most likely be a class action and could be federal because the cfpb is omitting all Covid-19 protocols and is not protecting senior citizens. 

See attached letter.
Product: Payday loan, title loan, or personal loan

I was told in the past that I would have a 10 day grace period when making a payment on my credit line. 

Please don't tell me I have a grace period when in fact I do not.
Product: Checking or savings account

I was charged at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00}. 

I have an email the time I was charged starting Your account is overdrawn Account ending in As of Available balance ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX moved the funds from my saving to my check account same day before XXXX XXXXXXXX XXXX That night i received an email from chase saying Your account is overdrawn Account ending in As of Available balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today XXXX I notice XXXX over draft fees on my account form XXXX payment made on XXXX. Chase said my account was as negative {$140.00} at the end of the business day on XXXX thats why I received XXXX fees because of these changes below. 

XX/XX/year> OVERDRAFT FEE FOR A {$97.00} ITEM - DETAILS XXXX XXXX XXXX XXXX XXXX. 
- {$200.00} - {$34.00} OVERDRAFT FEE FOR A {$72.00} ITEM - DETAILS : XXXX XXXX XXXX TEL... 
- {$170.00} - {$34.00} XXXX chase policy We charge a {$34.00} Overdraft Fee per transaction during our nightly processing beginning with the first transaction that overdraws your account balance by more than {$50.00} ( maximum of XXXX fees per business day, for a total of {$100.00} ). XXXX My account balance at the end of business day pursuant to me and the email was only $ XXXX. I have not received any email from chase stating my account was as negative {$140.00}. XXXX is fraudulent giving me an overdraft fee. I complied with there policy by ensuring my account was under {$50.00} the next business day. I am signed up for alerts to when my account is negative. There is no record alert that my account was negative {$140.00}. I have attached pictures of emails and my account notifications. The computer moved deposits and transactions on my statement to fit the scenario to back up the fees but forgot to send me an email stating the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. XXXX XXXX Date Opened : XX/XX/2018 Balance : {$160000.00}
Product: Checking or savings account

On XX/XX/2023, I I called customer service to file a claim to a dispute XXXX payments to a merchant adding up to the sum of a XXXXXXXX XXXX for a service I never received. 
( XXXX payments of XXXX $ and a final payment of XXXX $ ) I received emails every XXXX days for a total of XXXX days. ( XXXX ) On the seventh day XX/XX/2023 I received a credit for XXXX of the XXXX transactions ( XXXX $ out of XXXX $ ) I never received any emails after the XXXX I did contact customer service however to inquire on why I did not receive a credit for the third transaction as they were all filed under the same claim. I was told the third transaction was still being investigated. 
On XX/XX/XXXX of XXXX I received an email saying that my account was negative upon checking my mobile Wells Fargo app I seen that an credit reversal was done for the amount of XXXX $ placing my account in the negative and costing me XXXX $ just to get my balance back to XXXX. I contacted customer service again and was transferred to the claims call center I was told that my claim was denied and the reasons for this denial was a third party was involved and to contact them about the transactions. After contacting the third party I was informed that Wells Fargo had already reached out and filed a dispute on my behalf and that all communication was to be done with Wells Fargo on both my end and their end and the only information that could be shared with me was that XXXX of my XXXX transactions was actually being refunded. I called the claims department back and was told the same response that I needed to contact the third party once I shared what information I received from the third party and asked why I was only being refunded a third of the claim. 
the representative said theres nothing that could be done as my claim was denied. I was confused as to how I could be receiving a refund for a third of my transactions but I was being told that my claim was denied and how come the credit reversal was only for XXXX $ of the XXXX $ I was credited the only response I was given was that there was nothing that could be done and that the decision was final I was never informed as to how I can further dispute this claim, or if there was a supervisor or higher up I could speak to. The same theres nothing we can do phrase until the representative asked me if there was any other issues I had and told me to have a good day.