23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX Acct # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 61XXXX, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your Cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple disputes with all 3 of the CRA 'S, XXXX, XXXX & XXXX as well as the data furnisher/creditor Reliable Credit Association Inc. XXXX XXXX, WA ) all 4 of the companies has failed to provide documentation in regards to my request per FCRA 623 laws of how the alleged investigation were done. A manager from Reliable Credit sent me a letter stating that my dispute was " frivolous '' without providing any documents of how they validated their investigation. Nor was any paperwork with my signature shown to support and validate their claims that this is my account and that they are indeed reporting it accurately. 

My rights as a consumer allows me to request a written documentation along with evidence and proof of the investigation by Reliable Credit to support their claims that information is not being reported inaccurately. However no proof and/or evidence was made which allows me to believe that the data furnisher is indeed providing " frivolous '' and " irrelevant '' claims of validation in regards to multiple inaccuracies on all three of my credit reports they have being sharing illegally. 
This really is a huge concern for me and many other consumers that are being taken advantage of by predatory lending institutions as well as sub prime banks. 
An investigation in the practices and integrity of this specific financial institution ( RC XXXX ) is needed ASAP.
Product: Student loan

Repeated attempts to contact Mohela to both gain information re : my student loans that they managed, and well as to request account updates, have resulted in zero responses. The loans they serviced were federal DL loans. 

During the pandemic, I made payments towards, and paid off in full, student loans that were held/managed by Mohela. These payments were voluntary, and not required, as they fell within the parameters of the interest/payment pause beginning in XXXX of XXXX. Since the initial announcements by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to contact Mohela to confirm the amounts I paid during the period of interest/pause, and to request a refund of said amounts in order to take advantage of the forgiveness. 

Despite stating to a response will be issued within 3 business days of messages being sent, I have yet to receive any response from Mohela to messages I submitted on the following dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( I just sent this today ) In addition, I have spent more than 12 hours on hold over the span of 6 different phone calls, and as of today, they are " not accepting calls ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated 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 Here I am sending proof that this account has different opening dates, and they are reporting inaccurate information as well. There is a discrepancy between agencies and I need you to remove that account from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), furnishers of information have a duty to provide accurate information : They are violating my rights and are also reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXXXX/XX/XXXX- This address belongs to someone else. Delete it from my report immediately. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX  Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit card

The payment did not process. The company reversed charges of {$170.00} time XXXX. 
The charges should be XXXX reversal and two payments. I also have overdraft fee, which should be waived because discover reversed the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma kept emailing and stating on their site that I had good credit, but that I could improve my score by opening another line of credit. They also suggested that I had good odds for a card with XXXX XXXX to transfer my current XXXX balance and have XXXX XXXX for 1 year to pay down this debt. So I applied and instead of the {$3000.00} transfer amount with statement of closing XXXX credit line, I was given a {$600.00} line of credit. I called XXXX XXXX XXXX  I explained what I wanted and why and was told that because of my XXXX income, my mortgage, the XXXX account, my XXXX XXXX from XX/XX/2013, and my credit scores, that is all that they could do for me. I asked if I could close the account and was told it would give a negative reflection on my credit report, so I asked what if I don't use it and told that was less negative because it would show as closed due to lack of use. I was advised to use it and pay it off within 1-2 billing cycles for it to have a positive impact on my credit rating. So both I have issues with both companies providing false advertisement and enticement for improving credit and providing the dollar amount XXXX XXXX XXXX XXXX on balance transfers. 
This occurred between XXXX XXXX XXXX
Product: Student loan

It 's been years of trying get a  XXXX  forgiveness and they just kept forbearancing and telling me I did not qualify. And rude person telling me I could at least afford  XXXX  $ /a month. I made even less a month and had  XXXX  when this originally started. I finish the semester with straight A 's, but my mother had passed and missed to many days. I knew this and submitted her death certificate. But they would n't except that or my  XXXX . Now it 's in collections and ca n't get any credit or loans. And I do not control acts of  XXXX .
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 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: Mortgage

I sent a check to Penny Mac from my insurance company to be double endorsed however they required additional information from the contractors to complete my roof which was received. Because the process took so long I ended up just paying for my roof to be fixed in full {$7500.00}. I provided the documentation to show I paid for the roof. {$4000.00} cash and {$3500.00} paid on my credit card. The inspection has been 100 % completed. They then advised that I needed to send a letter which I did and now they are telling me its still under review. Me paying this money out my pocket has put me in a Finacial hardship I need them to ship my check out ASAP.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that trans union is being non compliance as well as dealing in deceptive practices. In XXXX I wrote a complaint on trans union with cfpb regarding them sharing personal information to which was a violation of my privacy as well as the graham leaked bliley act ( plz refer to complaint number XXXX ) to which Trans union response was inadequate because the illegal items still remain on my credit report even though under FCRA.In 15 us 1681 a2 under Exclusion states " Except as provided in paragraph ( 3 ), the term " consumer report '' does not include '' - ( A ) subject to section 1681 s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However Transunion is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which Transunion has failed to do.The following accounts are reporting illegal. 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  To which is a clear violation of the law stated above as well as 15 usc 1681a2.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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 an account without my written instructions. 

Attached below is a copy of my drivers license and social security card as well as a copy of my XXXX credit report identifying incorrect discrepancies via highlighted sections.
Product: Credit card or prepaid card

On XX/XX/2019 there was a credit balance on my account of {$180.00}. I tried to contact HSBC customer service several time but sometimes it goes to XXXX, other times it goes to XXXX  and they put me on hold. I have to wait several minutes to get to speak to someone and they again put me on hold.

One of the worst customer service.

I should have received my check two weeks ago. Never received my check.
Product: Credit reporting or other personal consumer reports

I am requesting proof of the previous investigation. Please send me your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation that proves this account was late. If you can not provide me with this information in 15 days, please update the account to PAID/NEVER late and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Took out a 0 % interest credit card with Wells Fargo. Thought I paid it off in time before the intro period was over, but may have missed it by a few days. Instead of charging me the interest on the remaining balance ( I had paid back nearly all of it ), they charged me interest immediatley on the full amount. This is simply wrong and unfair.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear PROPERTY RECEIVABLES, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL & FTC. 

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY XXXX XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails from XXXX Credit Bureau XX/XX/2022 and XX/XX/2022 informing my credit had 2 hard inquiries from Capital One Bank and one more from XXXX XXXX XXXX I do not have accounts in Capital One bank neither I have asked any credit or loan to them. They did without my authorization and my credit has been deeply affected. This bank uses to send credit cards that have not been required. They did it around 11 years ago and I never used it. Id appreciate those inquiries be removed from my record as soon as possible. On the other hand, I have an XXXX card in good standing and enough credit amount so I have not asked any credit increase or loan to XXXX neither to open a new account absolutely. 
Attached all evidences and a register of my exceptional payment history.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX, XXXX 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 680XXXX which states '' It is the policy of the XXXX 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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. '' ( Furnisher of information to credit agencies ) The XXXX XXXX and the XXXX reporting agencies XXXX and XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( XXXX of information to credit agencies ) whether it be 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. '' ( Furnisher of information to credit agencies ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts keep popping back up on my credit after they have been deleted, dispute dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I have no knowledge of this account or who it belongs to. It is incorrectly reporting on my credit reports.
Product: Vehicle loan or lease

Ally has restricted my ability to make payments, receive statements, or view applied payments. When I sign in, it says " no vehicles ''. When I have spoken to Ally, they said I can no longer make payments online, but have not been able to tell me why I can not view my billing statements or payments applied. They have provided zero resolution. I received an email that says my billing statement is now available, by yet ca n't see it since Ally restricted my internet access. I also made a payment, and have no idea if they applied it. I 'm entitled to statements and should be able to see what payments have been applied. Attached is a picture of what I see when I sign in, everyone though I have been assured I can view my vehicle.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered fraudlent accounts and unauthorized inquiries linked to my profile. These are not affiliated with me, and I never authorized themXXXX 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/year>
Product: Credit reporting or other personal consumer reports

discover XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX {$420.00} closed XXXX XXXX2020 i disputed these from my credit report came back unresolved. 
both are listed on my XXXX  account and XXXX  account these accounts are fraudulent. they were verified as my accounts with no proof sent to me showing how they verified.
Product: Credit card

I thought they cashed check XXXX, looking now I don't believe they did and neither did they cash # XXXX for {$570.00}. I think the behavior they demonstrate totally violates me.
Product: Credit reporting or other personal consumer reports

Experian did not do a proper investigation on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc on all XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$13000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$13000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$18000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$18000.00} Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$850.00} Date OpenedXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From the time i noticed negative remarks on my credit profile i have been sending letters asking to verify and validate this information with any documents showing my signature or identification and i havent received anything relevant to what i asked.
Product: Money transfer, virtual currency, or money service

I requested a refund XX/XX/XXXX of {$5000.00} because the receiver was having problems picking up the money. It is XX/XX/XXXX and I still have not received my refund. Western unions customer service all give me a different story and say they will contact me by email but they take more than XXXX to respond to each email. They are also asking me for my account number and routing number just to give me my refund. They are VERY aware that the funds are in their system they admitted it to me. They made a prolonged investigation just because they dont want to release my funds.