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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX Employer : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Checking or savings account

I opened the account because of a {$350.00} promo. I spoke to someone when opening they said yes I qualify if info XXXX within XXXX  days. I did that, called they said yes I qualify I'll get my {$350.00} on XXXX  date. That date came i went into the branch and they said yes you qualify just give it a few more days. Waited longer, called again was told of we gave you {$100.00} were not giving you anymore. Asked for a manager to review calls was denied. Asked for a manager call back never happen. Called a few weeks later to store got a very very very rude manager. Asked for his boss he refused and said he will call me by XXXX next day. Hung up called call center filed complaint asked for higher manager to call me was told i.would get a call next day. Next day dif not get call from anyone at all. Waited 24 hours called call center was told we don't call people back that info was wrong. This issue is unresolved.
Product: Checking or savings account

Direct Express has a restriction on my checking account and won't release the restrictions. I was told by them that XXXX placed the restrictions, I spoke with a person at XXXX and was told that Direct Express does this, not them. I have called phone number after phone number, and all I get is the run around.
Product: Debt collection

I received a phone call from XXXX in XXXX, Nebraska. The caller did not identify the agency, but after verifying my information said she was collecting a debt from Comenity Bank. The caller, whoever they are never sent a letter notifying me that I had a right to dispute the debt, before calling me and trying to collect it. Other than the phone call today, I have never had any communication from anyone regarding the debt. This is a clear violation of the Federal Fair Debt Collections Act.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and to formally dispute this fraudulent information. Despite my diligent efforts to provide valid documentation, such as the required FTC report, it seems my message is not being properly received by your bureau. Let me be clear : I am personally initiating these disputes under my name. 

The items in question are unfamiliar to me, and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. 

Enclosed are the items that are unfamiliar to me : XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting inaccurate information and never had a result from a dispute it has been past two to seven years I have been disputing the same, and new stuff on my credit report, old stuff older than seven years still on my report dropping my score for no reason inquires from companies I have no clue about I have paid off accounts and none of the information is on my credit report reflecting good points I have paid on time on all the other accounts and my credit score is still low I didn't think you had to be in debt to get a good credit score I thought when you are in good standing with a company for paying on time and off debts what counts credit bureaus I feel hurt more then they help consumers I have tried over the last few years to make corrections and work on my credit but I am at a standstill as if the credit bureaus are hindering my chances to move forward to be able to get a better interest rate on loans for the ability to get a better home the abitlity to live a better life I feel it is unfair for companies to resale accounts that are more than 7 yrs old especially when a consumer apply for credit cards or loans there is insurance that cover the cards or loans just in case the consumer become ill or death occured but my argument is with the three credit bureaus low scoring, not disputing complaints long waits to talk to a human some unprofessional reps talking down to consumers the list goes on but it is consuming to be denied fairness for so long I shouldn't have to have a purse full of credit cards more than one car loan or too many personal loans to get a good credit score that is what put in debt they get overwhelmed to pay back and have health problems, divorce, XXXX  etc ... because of being overwhelmed.
Product: Debt collection

The debt was originally {$900.00} with XXXX XXXX Hospital, XXXX, KS. I was communicating with a woman in their financial department. I sent her information showing that because of my medical conditions and limited income, I could not pay the debt. I never heard anything back. Next thing I know, a lawyer/collection agency is contacting me, Bessine Walterbach, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, MO XXXX, ( XXXX ) XXXX. I went back to the hospital financial office only to find that the woman that was supposed to be handling my case had retired and left my paperwork sitting around. It was passed on to no one, and they claim they don't have the paperwork I sent in. They told me I had to work with the collection agency/lawyer 's office, that they could not take the debt back from them ( which I know is a lie ). The collection agency wanted over {$1100.00}. A woman higher up in the financial office said she would speak with the collection agency and get rid of the extra interest, bringing the debt back down to {$900.00}. She lied. I paid {$100.00} to the collection agency by check, but I was recovering from XXXX and on XXXX XXXX that I was allergic to ( causing XXXX, XXXX XXXX  and XXXX   XXXX XXXX XXXX ) but I had to stay on them. I missed a lot of work due to my condition, so my paychecks were small. The collection agency, of course, didn't care. They started demanding a {$300.00} payment, which I couldn't do. Next thing I know, I got an email from my bank telling me my account was garnished. I called them and found out that it was that same lawyer/collection agency. Now they want in excess of {$1100.00}, which with what I already paid them comes to over {$1200.00}. They took the last little bit of money I had for food, {$65.00}. I can not use my account or deposit anything in it because it will go to the bloodsuckers. My net pay is way less than {$1100.00} ( about {$800.00} to {$900.00} ). I received no notification, no letter, nothing. I was denied my Constitutional right to face my accuser in court. I want this stopped. I need to be able to use my bank account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to
Product: Mortgage

I've been living in my house since XXXX. When I first closed on the house my mortgage was {$1800.00} a month since then to now my payment have strangely went up {$500.00} more dollars a month making my payments {$2300.00} ... something is not right and it seems to go up {$100.00} every year I've reach out they told me so many different stories I don't know what to believe! I feel I'm being ripped off period... please help
Product: Credit card

I disputed a charge on my account in XXXX 2016. As to date I have not heard from the credit card company. I called in with a lost or stolen card report. I was issued a new card and account number. When I received my next statement there was an unauthorized charged on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked several times for AD Astra to validate an alledged debt and they have not. I have requested a SIGNED contract with them or the original creditor and I have not recieved either. I have requested them to provide me with documentation that proves that I have any legal obligation to pay them. They are continuing to ignore the law. AD Astra has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. This is the last attempt to validate this alledged debt. 

I am requesting A WET INK SIGNATURE, NOT A COMPUTER GENERATED SIGNATURE. If that can not be provided this accounts needs to be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of certain information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report obtained from your agency, I have discovered that certain information has been reported without my explicit written consent for disclosure or obtaining of information. Specifically, I have never provided written consent for the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) {$7500.00} This account does not meet FCRA requirements and is currently in litigation. Additionally, XXXX has verified my complaints and followed the law by deleting and blocking the information from my credit report immediately. By law, XXXX and Experian should also do the same by deleting and blocking the information immediately. Lastly, the account is listed as charged off and a 1099c has been provided, by law the account needs to be removed from the credit report.
Product: Credit reporting or other personal consumer reports

ACS/ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This accounting is reporting incorrectly, the account should be removed from a credit report. Breau is reporting account negatively,1. ) account late or past due. never past due or late, 2. ) has been reporting reported and closed on the same dates.
Product: Checking or savings account

An online purchase was made XX/XX/year> in the amount of {$670.00}, the merchant took this payment at the time of purchase & continued to draft the account in miscellaneous amounts. It came out to over XXXXXXXX XXXX of unauthorized drafts in the end. ( account drafted over 75 times ) Navy federal acknowledged the drafts and provided transaction id number at the time of purchase. Navy federal later lost this number and deleted all record of the drafts. Navy federal provided a partial credit of around XXXXXXXX XXXX and took the credit back months later. This caused my account to over drafts and this credit withdrawal took place twice leaving me in a bind with other bills. No agent in store or phone location took initiative to escalate nor did they have access to account history. The history was also deleted from personal account.after several store visits and dozens of calls nothing has been acknowledged. There have been several other occasions where this has occurred with my account in smaller amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When purchasing a home last year, XXXX XXXX XXXX  in XXXX XXXX TX could not obtain my equifax score. 

They claim that contacted equifax and I don't know what the agent told equifax but after that all they could provide was a mixed up report, with 5 other peoples information. 

Since that time I have spent over 100 hours on the phone trying to fix the report with no success. 

When I call XXXX XXXX XXXX or my broker for assistance, they tell me they did nothing wrong.
Product: Credit reporting or other personal consumer reports

Credit reporting agencies reporting credit card balances making my score drop tremendously and hurting my reputation and even stressing me with this transpiring in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 1! 
USC 1681 section 6 o 2 states I have the right t privacy ( 15 USC 1681 ( section 6 0 4 a section ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

I heard about the CFPB 's lawsuit against TransUnion & XXXX re : misleading consumers into signing up for their credit monitoring service and wanted to add my complaint. I do n't need a refund, as I do n't believe I was charged more than {$1.00}, but I wanted to share my story. Last year I inadvertently signed up for TransUnion 's credit monitoring service, thinking I was only requesting my free annual credit report. It was not made clear that I was signing up for a subscription service that would cost a monthly fee. The site did say that I would be charged {$1.00}, which I thought strange since I thought consumers were entitled to a free report every year. But, since I was n't sure, I went ahead and authorized the {$1.00} payment, thinking it was for my credit report. Turns out it was their promo fee for the monthly subscription. It took a while for me to figure this out, but once I realized the mistake I was able to cancel my subscription before they began charging me. Thankfully, I only lost {$1.00}.
Product: Mortgage

My husband left XXXX where his job was due to covid-19 job closure. now he has been back home and I have been working Full time at XXXX XXXX XXXX and I am a XXXX that now have been paying most of our bills. My husband receives a pension and now we have been trying to come out of the forbearance for the last 6 months. while or debt is adding up we have only been asked time and time again to upload documents which we have. I feel Flag Star Bank is not being honest with us. I in good faith sent in XXXX that I saved to help take down the forbearance balance. I was not appropriated correctly and we are still in debt. We are asking for some out side assistance. During a serious storm of 2020 and with the staying home more I noticed black seeping through the walls upstairs and my kids started having nose bleeds, we had a environmentalist exam our home and was told to get out quickly, so now we are in a camper on our property due to farm animals we can not leave. We have insurance money held up at flag star insurance department to fix our home and can not due to they have not released it to us. We need help.
Product: Credit card or prepaid card

On Monday, XX/XX/XXXX, I received a notification from XXXX that my credit score had changed. I went to check it out and discovered a hard inquiry from Bank of America. They had approved a {$5000.00} credit limit credit card for someone that isnt me. That someone used my information to get this credit card. When I called Bank of America about it, I had requested the application information. The representative I spoke to told me I would need to send in a copy of my ID. When I asked her, " Why it that you need my ID for a copy of the application but didn't need an ID to approve the credit card? '' The representative got snotty with me and hung up. So, not only did Bank of America approve a CREDIT card without any identification under my name, their representatives were rude and didn't help either.
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 proce. 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: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report late payments on the account listed as XXXX Account # XXXX XXXX report late payments for XX/XX/year> and XX/XX/year> XXXX XX/XX/year> and XX/XX/year> Equifax XXXX XXXX and XX/XX/year> these late payments do not match up so that means this information has not been verified as accurate. Furthermore this account can not be reported late. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX ***** Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX ***** XXXX XXXX, XXXX Balance {$12000.00}
Product: Student loan

I stayed on the line for almost an hour for someone to even pickup so I can discuss my account and what terrible and UNPROFESSIONAL customer service. The rep had no idea how to address any of my questions and started to just LIE to provide answers. How am I supposed to receive any clear answers when Mohela 's reps are this unprofessional and not even trained for this role. SUCH a SHAME. I need clarification for my public service loan forgiveness and I do not know how to even have any of my questions addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX credit score XXXX XX/XX/XXXX credit score XXXX ( decrease XXXX points ) XX/XX/XXXX credit score XXXX ( increased XXXX point ) XXXX/XXXX/XXXX credit score XXXX ( decreased XXXX points ) tried to dispute the inaccuracies online but trans union does not give you that option. 

called trans union to dispute the inaccuracies but trans union customer service state they are not able to provide the information to the inaccuracies. 

last 5 years there has been no derogatory information reported by trans union to explain the credit score decrease from XXXX down to XXXX
Product: Mortgage

Fay Servicing , LLC is holding {$56000.00} of insurance funds in escrow for Hurricane Irma ( last year ) damage which they refuse to release. All repairs are done and paid for by me. All appropriate Fay paperwork was filed. They have told me they would schedule and inspection to confirm work was done months ago. This has never happened. It is starting to feel like a scam. Can you help?
Product: Credit reporting or other personal consumer reports

I obtained this mortgage XX/XX/XXXX. In XXXX I requested a loan modification. I received paperwork that belonged to a totally different person m. The home was in Florida XXXX over XXXX, and not in my name. All the mortgage paperwork including personal information/social security/account numbers . There was a lot of back and forth with XXXX because they didnt believe that I had this information, even though I couldve easily sent proof. 

Fast forward to now ( XX/XX/XXXX ). There is no record of my mortgage on my credit report. Not on any of the 3 major credit bureaus. I contacted XXXX who informed me that they are reporting my mortgage, and to contact the credit bureaus. 

XXXX informed me that they were able to locate the account however it is under another persons name, my social, being reported on their report. Of course they couldnt tell me the name of the other person. 

Transunion. After them telling me to dispute it online and me telling them how if the account isnt showing up to dispute. After being transferred numerous times due to incompetence, a person looked up the account with my information and informed me that it is being reported, on another persons credit report, my loan number, my social security pulls it up, another persons name. 

At this point I didnt try XXXX XXXX 

I called XXXX back. Informed them of the information gathered. Informed the representative of the loan modification paperwork I received years ago that wasnt mine however XXXX didnt take seriously. She looked back on that year in my account, lets say without her being able to confirm that I was right, she never said it didnt happen. 

She told me to write to their credit dispute department with proof that they arent reporting ( you can pull my credit report and clearly see no mortgage is reporting ) and to wait 30 days. 

There is no use. If they are adamant they are reporting and are not looking that 1. My information is on someone else credit report, 2. my social security is out there, 3. I got another persons mortgage information in my safe, it is beyond working with this company. 

I been denied home improvement loans, sXXXX XXXX XXXX  ) closed my account due to me not needing credit because I am not a homeowner, and my credit score cant get above XXXX because there isnt a mix of accounts on there due to this.
Product: Credit reporting or other personal consumer reports

I logged onto TransUnion and saw my credit report with their agency but did not see the credit score. This was withheld demanding payment. I do not think it is ethical, moral or legal for TransUnion to withhold a credit score when they use it to report to any potential lender, landlord, or any other concern that would request it. The annual right to a credit report should include the credit score. If there isn't a lawsuit over this there should be one. These people are greedy ridiculous thieves.