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

I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title 42 PA.C.S 5525. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. Four year limitation.

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within four years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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Product: Money transfer, virtual currency, or money service

Dear sir or madam, I have a XXXX XXXX  account with Wise US Inc and transfered XXXX to someone on XXXX of XXXX. After 6 business days the money still didn't arrive ( I saw screenshots of the receipents recent transfers ). 
I entered a call request on XXXX XXXX but never received it. I can't call them directly, because they only do call back. 

Please let me know what additional details.you need. 

Thank you and XXXX XXXX XXXX
Product: Debt collection

This account is not accurate CONVERGENT OUTSOURCING # XXXX. My bill was PAID IN FULL XX/XX/2021 directly to XXXX XXXX. I do not have any contracts with CONVERGENT OUTSOURCING. This account has no business being on my credit file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( 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 listed violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX are failing to update my information correctly, In XXXX I filed for XXXX  XXXX and they re-aged the discharge and reaffirmation on some of the cards that should have dropped off since the discharge was 7 years ago. 

Because of their errors Bank XXXX XXXX closed both of my accounts that I had since XXXX and XXXX respectatively - XXXX  ending XXXX and XXXX. 

First because of the XXXX Bank XXXX XXXX reduced my credit limit from XXXX to XXXX and XXXX on the card ( XXXX ) which bumped up my utilization from 10 % to 90 %, Because of the error then Bank XXXX XXXX closed 2 cards which have been paid on time for years and still have open balances. 

These CRAs should be monitored or eradicated from having the ability of providing consumer information that is incorrect to the Financial Institutions. Thanks to their inaction my credit dropped from GOOD XXXX to POOR XXXX after it took me almost 7 years to build up my credit. 

The bureaus also have failed to drop off old inquiries that have expired making it seem I have more inquiries than I have.
Product: Checking or savings account

I have a capital one sharebuilder investment account. I want to close the account and withdraw the funds. When I was trying to do this I saw I had an outdated address on file and update it to my current address. Now they say that it 's not a valid address and wo n't let me withdraw the funds or transfer the money to one of my other accounts. My other 10 accounts with them have no restrictions. I called them on XXXX/XXXX/XXXX and spent 2 hours on the phone getting fingers pointed at other departments and one of the supervisors there implied I was a terrorist ( after being their customer for 10 years ). On XXXX/XXXX/XXXX I recieved an email again stating they are unwilling to close my account.
Product: Credit reporting or other personal consumer reports

I asked for a debt verification validation. With my signature signing uo for this credit card and they showed me receipts of someone using the credit card. Investigate and remove off my credit please
Product: Debt collection

From the life of the loan with Regional XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Ive had a decent experience with some of the employees there. Ive made on-time payments until probably the latter part of XXXX ( XXXX ). Contacts at the location pretty much said then, Oh, it looks like you dont qualify for refinancing. Youve maxed out your hardship renewal. Basically, pay it. Someone from the higher ups ; magically said oh yeah we can do a hardship renewal. The issue is Im still recovering from financial insolvency. Im working with a credit counseling agency to bounce back ; and Im having to choose ( stay current on my basic necessity expenses : Rent ; Elect ; Utilites ; Car payment ) or attempt to pay Regional. I had to choose my basic expenses. Ive attempted to talk with that location, I mentioned to them I get paid here maybe I can work something out? That was XX/XX/XXXX! I was told, oh we cant extend that long, figure something out before XXXX. I spoke with XXXX. Representatives are pushy ; and create predatory scare tactics built on manipulating people to cave
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on XXXX and XXXX.
Product: Debt collection

I submitted cease and desist orders to the collection agency and they have not complied with the order and is in violation of FDCPA regulations
Product: Checking or savings account

I have mailed out three letters to Early Warning Service and two letters to XXXX XXXX XXXXXXXX asking them to provide me with some information showing that I owe this debt and at this present time none of that has been provide to me. They have only sent me letters stating that the account has been verified as accurate.
Product: Payday loan, title loan, or personal loan

I received loan from Covington credit but I have made my payments my portal shows that all my payments was successful but I had been getting threatened phone calls every day from representative of Covington credit saying that I owe My portal says I do not owe and I am being threatened with collections repossessions and negative remarks on credit report
Product: Checking or savings account

The Banks Chase  XXXX   XXXX   XXXX   XXXX  Ny  XXXX  would not  Return   Loist   Credit Cards Complaint  XXXX -  XXXX    New York State Dept Of Finicial Services
Product: Mortgage

I have a forbearance agreement with Us Bank and initially they had told us that it was only good for 90 days then a payment would be due for the months missed. I called today XX/XX/2020 and spoke with a Lady named XXXX id # XXXX at there Missouri office and informed her that I wanted my 180 day forbearance as required by the cares act under the law she said it was not possible only 90 days then I would half to call back I guess every 90 days I referenced the letter sent to the Banks by commissioner XXXX XXXX # XXXX as to what is supposed to have happened. But Us Bank keeps misleading customers in to believing its only 90 days and you half to make a lump sum payment. ( Also that's what the rep stated to me as well ) If at all possible can you inform Us Bank to correct themselves in misleading consumers in to believing its only a 90 day forbearance period and to quit relaying this information to their customers and set the forbearance at the 180 days per the Cares Act. Instead of making there own interpretation of the Law. Thank You XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, we got a mortgage for {$530000.00} on a fixer upper house, and now that work is done the house is appraised at {$730000.00}, according to a XX/XX/XXXX appraisal that was ordered by Movement mortgage, paid for by a {$420.00} check that I wrote to Movement ( appraisal cover page attached ). Our current principle balance on this house as of XX/XX/XXXX is {$530000.00}. In a letter dated XX/XX/XXXX, sent to me by movement mortgage, I was told that I could apply for a two year seasoning waiver if substantial work was done on my property, which it was. This letter can be seen in the attached document. Despite me jumping through all the hoops to get this PMI removed, Movement still wants to charge me the $ XXXX/month for PMI. This can be seen in the attached letter dated XX/XX/XXXX. I have made multiple attempts to get it removed Movement still wants to scam me out of nearly {$150.00} A month for mortgage insurance I don't need. It is even more insulting that in addition to the $ XXXX/month that I am paying, I also had to pay {$420.00} for an appraisal that up to this point has been completely useless. My LTV is 73 % so there is no reason I should have this extra expense besides the incompetency of Movement. Every day this goes on is {$5.00} out of my pocket, which is why it has been so frustrating that Movement refuses to do the right, correct, thing with this.
Product: Checking or savings account

On XX/XX/XXXX, I asked my mom to deposit XXXX in cash to my Chase checking account so I could write my rent check for XXXX. They refused the deposit unless I bought their Cashier Check for XXXX XXXX So, mom went to her bank, XXXX XXXX XXXX and purchased a cashier 's check to deposit. They deposited the cashier 's check and have placed a hold until XX/XX/XXXX. No explanation, no warning, and they bounced my rent check. Please help me with my money that they are using as they wish.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report indicate I owe XXXX XXXX and I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report. 

My report indicate I owe XXXX XXXX and I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report. 

My report indicate I owe XXXX XXXX XXXX and I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report. 

My report indicate I owe XXXX XXXX XXXX I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report.
Product: Mortgage

Seterus, Inc. took over my mortgage loan. I have had problems with this company for several years. They told me for a very long time I had missed a payment, after sending them all of my bank statements to prove that I hadn't missed a payment, they found out they applied a payment of mine to the principal amount, not my mortgage payment. I have been told I was late several times when I mail my mortgage check to them several weeks early. I have been told that I've missed payments and been late and have to continue to scan them documentation to support that they have cashed my checks. I have tried to refinance with a new mortgage company but I also have problems with this because Seterus does not report any payments to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer, and I have an update to the complaint filed previously please review the attachments.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> is the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit card

On XX/XX/XXXX, I emailed the company requesting that they close my account. I lost my physical card, but also I have no use for the account anymore. On their website, it states if there is no activity for 6 months, they will close the account -- I have not charged the card since XXXX but my account stayed open all of XXXX and then in XX/XX/XXXX they charged me the annual membership fee, which I paid off. I've tried to call the number on the credit card agreement to close the account but the automation does not route me to talk to a human. 

The credit card agreement pdf available on their website says : " Section 35. Closing or Suspending Your Account.

You may contact us at XXXX to ask us to close your Account. 
We may close or suspend your Account at any time and for any reason permitted by law, even if you are not in default. 
If your Account is closed or suspended by either you or us for any reason, you must stop using your Card. If we close or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all amounts you owe on the Account, including any amounts that post to your Account after it is closed or suspended. '' This is the number that I called, in the credit card agreement. 

I will send them another email on Monday, XX/XX/XXXX requesting closure of my account again, and will attempt calling again. My account has no balance/no payments due. I will send the email to : XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Transunion that was notarized on XX/XX/2019 and sent certified on XX/XX/2019. It was received on XX/XX/2019. I called Transunion today, XX/XX/2019 spoke with supervisor XXXX XXXX at approximately XXXX cst and he stated it was received on XX/XX/2019 and they sent my dispute response on XX/XX/2019. I explained it was certified and asked him to check the dates and he refused. He insisted they had until XX/XX/XXXX. I also advised him I have a screen shot of their website showing that the response date wasXX/XX/2019 as well. I told him that they are in violation, that they were to respond within 30 days and they didnt and asked him to remove the disputed items, he refused. To date, I still have not received anything from Transunion. I would like the 5 items that they did not reply to in time removed immediately. I also had the dispute notarized, however I just have a copy of the letter I wrote prior to when I got it notarized but I have the certified mail receipts and the screenshots for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

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

I file a complaint on XXXX/XXXX/XXXX case number XXXX about Experian not providing proof of the items on my report on how they are verifying these items and the just keep sending me a report saying verified. Now I would like for you all to make them do their job because I do know that they are violating my right by not doing so. I have a problem with them saying its verified to me within two weeks but now need 60 days. that 's a problem and dont feel they are doing their job. I request this from all three bureaus and the other two could n't verify them so the stop reporting like they should. I even sent a letter that the collection agency sent me saying they cant verify and ask that they stop reporting but they still reporting as verified. Now I know if this is wrong that the others accounts are not verified they are just not doing their job. XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX. I 'm sending you the letter i sent to them but they still saying verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX  and XXXX  on XX/XX/XXXX requesting they send documentation verifying the accuracy of a XXXX XXXX  account on my profile. I never received documentation, just a updated report saying " this account has been verified ''. On XX/XX/XXXX, I sent a second letter requesting documentation confirming validity of the account. I received the same responses as XX/XX/XXXX from each bureau.On XX/XX/XXXX, I sent a third letter and did not receive a response at all. On XX/XX/XXXX I sent a letter requesting method of verification of the XXXX XXXX  account and did not receive a response. I contacted XXXX XXXX  to resolve the account since it was affecting my score. I was told that they did not have my account it was with a company called XXXX XXXX. I contacted XXXX XXXX and was told they didn't have authority of my account and that I had to contact XXXX. After being transferred between the 2 companies, I was still unable to find out who had authority over the account. I spoke with a rep named XXXX whose extension was XXXX at XXXX XXXX and another rep at XXXX XXXX who got a manager over the phone and he told me that he couldn't do anything because my account was not with XXXX. Two weeks later, I contacted XXXX XXXX again and was told the account was with XXXX XXXX XXXX XXXX XXXX XXXX I contacted this company at XXXX and spoke with XXXX XXXX. I paid the account and expressed that this payment was not an admittance of ownership but that of a weary consumer who was tired of getting the run arounds. I made the payment and was told XXXX XXXX  is responsible for removing the account since they are the ones reporting. I called XXXX XXXX  the following day on XX/XX/XXXX and was told again that they do not have my account and thus could not give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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: 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 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: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for.Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Checking or savings account

I am trying to link one of my external accounts to my SoFi Bank account. 

I got all the way through the process. Received a green check from the SoFi application indicating the account has been successfully linked. However I'm not able to see the linked account. Customer service seems to indicate they can see the account but I can not see it in any customer facing view. Screenshots attached of my 5th attempt. 

Also I'm not awarded the necessary points for linking an external account. I've contacted customer service who opened a ticket. No communication was provided to me and the ticket was closed with no issues found. 

The issue is still not resolved. One agent today told me that everything was resolved and I should just try again. That didn't work. I had to call in twice today, XX/XX/22, and have a brand new ticket filed because they are unable to re-open the first ticket. 

Rather than just closing a ticket and not solving the issue, I need the issue to be resolved and the points to be awarded. 

I feel I'm getting subpar customer service with issues not being addressed.