23daVinci/CFPB_Complaints huggingface dataset:
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. What's going on there at the CFPB and at Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, XXXX, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. I also contacted the bank and they agreed to not report the accounts on my file BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX. 2023 XXXX XXXX  wrongly forward information over to IQ data international IN, claiming that i used their service for a deposit. I rented for XXXX  years with my apartment complex and never applied for rental assistance. There is no agreement/ or contract with my signature on record with XXXX XXXX XXXX XXXX XXXX . therefore, they should not be reporting me to the credit bureaus. They are claiming that i owe them {$1600.00} and is refusing to provide proof of my signature and contract agreement. I request that IQ DATA international be removed from all XXXX credit bureaus.
Product: Credit card or prepaid card

I sent you a complaint against STATE FARM BANK. Yes, you may say this is a duplicate. I have tried call them to discuss the issues. I have been on hold for over 30 minutes after recoding said 6 minute wait. 

I don't I don't have {$340.00} past due. I don't have this amount due as payment. 

They need to credit the FRAUD charges and re-evaluate amount due. There is a new charge for XXXX {$17.00} I told them when XXXX was removed not to allow auto bill from this company. They did allow this creditor XXXX called them again to credit this back. They charged two different card for this one charge. This card should have never been charged XXXX explained that to you in 2018 If not I won't pay another dime and will file CHAPTER??
Product: Credit reporting or other personal consumer reports

I have not been able to access my Trans Union Credit report since XX/XX/year>, I called customer service ( XXXX XXXX XXXX XXXX, some gets on the line ( for the hundredth time ), asks for me-for every verfication in the book, then I am told a link is sent to change my password, I have repeatly asked the Representatives '' to stay on the line until I recieve the link '', they say " the link will be recieved once the release the call ''. I get off the phone and wait for a link, code, whatever from Transunion-NOTHING, this happens every week since XXXX. XXXX months of trying to get assistance from Trans Union to at least receive my ANNUAL CREDIT REPORT, that I can't get, even with the many companies that have exposed my data. No one, especially a XXXX XXXX with both hands horribly XXXX  should be trying to get my own information from a repository data company like Trans Union. 
I can not correct, what I dont receive and I am entitled to my credit report weekly.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received notification from my federal loan servicer that my federal student loans had been forgiven as part of the Biden-Harris Administration debt relief. The notice indicated the loan servicer had notified, or would notify by the end of the month, all national credit bureaus of my student loan forgiveness. However, they have failed to honor that requirement as part of the forgiveness. On XX/XX/2023, I filed a dispute through Experian. On XX/XX/2023, I received an update in regard to my dispute but it did not result in a change to my loan balance and payment amount. Instead, the loan servicer continues to report an incorrect loan balance and payment amount. Currently, loans that were not part of the debt relief have gone into repayment but my loan balance with the credit bureaus is incorrect. On XX/XX/2023, I reached out to my loan service through a web form which indicated inquiries would be answered within three business days. However, they have failed to respond.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>2024 a representative at Navy Federal Credit fraudulently and without my permission attempted to withdraw XXXX out of my XXXX  XXXX XXXX account. I noticed the Fraud on XX/XX/XXXX of 2024 and contacted Navy Federal Immediately. Navy Federal did not want to admit that their employee took funds out of my account but agreed to reverse the fraudulent activity and return the funds. On XX/XX/scrub> 2024 Navy federal was paid XXXX out of my XXXX  XXXX XXXX account for my personal loan. That transaction was done with my permission however Navy Federal did not take the money and apply it to my personal loan. I never authorize Navy Federal to take any money out of my account except to pay on my personal loan. I requested for at least 15-20 XXXX  to call me back and not one have. Navy Federal is in Violation of the Fair Credit Reporting Act and I need you all to help me stop this unfair debt collection practices
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, legally these unverified & unauthorized items must be removed! 

I filed police report on behave of this matter & I also reached out to all creditors. 

1. XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # ( XXXX ) XXXX 2.XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 3 . XX/XX/2023 XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 4. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 6. XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX, CA XXXX XXXX 7. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX 8.XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX, NC XXXX XXXX 9.XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Debt collection

XXXX XXXX took my inactive account and turned it over to XXXX XXXX XXXX. Way point contacted me several times about this debt and they continued to call often. I told them that I would handle this debt as soon as possible. I called Way point and made arrangements to pay this debt and asked if I could get a receipt that this debt was a one time payment and the amount that they settled on was {$800.00}. I did receive a receipt from them that it was paid, this was XX/XX/2018 abt XXXX. I then contacted XXXX XXXX and stated that I had paid the debt and wanted see if I could get a letter or email from them that stated the bill was taken care of that they had turn this matter over to Waypoint. The supervisor on XX/XX/2018, Mrs XXXX stated that that not something they could do and that I would have to wait 90 before they could give me anything, I stated that all I needed was a email or letter from them so I could reference them giving Waypoint the account on my credit report so I can move forward on getting a loan for a house. Waypoint stated that the letter or email I was trying to abtain would have to come from XXXX. I spend all day on the phone XX/XX/XXXX going back and forth between the two and no resolution. Please help with this matter.
Product: Checking or savings account

There has been no activity on my account in years and I have made multiple request for them to close the account. The account is still open and they continue to send me bank statements.
Product: Checking or savings account

I have tried to figure out why I couldnt touch my money since before XXXX of 2024 and they told me I had to wait 180 days which wouldve been XX/XX/2024 and I was emailed and I have proof of that and then needed to prove my drivers license and banking info then now theyre saying I have to wait again and I was like no I already did that and showed this guys emails and hes like oh well its this reason same stuff they said the beginning of the year. Ive done nothing wrong and was told I would be able to pull my money out and was even sent emails my money was ready to pull out and they have not let me still. Its been weeks emailing and calling them etc and nothing has been done to get my {$120.00} bucks that is my money out.
Product: Credit reporting or other personal consumer reports

I have tried over and over and over again to work with the credit bureaus and they keep giving me the run around. It has been months and I send them a new letter every month and the incorrect personal information and account inaccuracies is still there. I am done!!!!!! I have had enough. No more waiting no more stalling remove it now. Your bad reporting is preventing me from getting me a new house and loans for my business. I watched XXXX and learned that your inaccurate reporting is a violation and am seeking litigation. I have attached a notarized document proving I am who I say I am because yall keep acting like its not me!!! Who else would be trying to deal with yall other than the person yall wrongly reportin on.
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: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a car and found out my birth date was wrong. It was shown that my birth date was in XXXX ( don't recall the date ) not my real birth date of XXXX XXXX. What I would like to know is how my birth date got changed and why I had to correct it with one of the credit reporting companies but I had to sent a copy of my drivers license to them to prove the correct date. I didn't like the idea of sending it to them possibly a way of my identity being stolen. How did this information get changed to begin with. Euquifax was the credit outfit I contacted and that was a production dealing with them.
Product: Credit reporting or other personal consumer reports

Equifax has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by re-inserting the same disputed accounts multiple times without proper verification. This is a clear violation of FCRA 611 ( a ) ( 5 ) ( B ), which requires Equifax to notify me in writing within five business days when re-inserting a previously deleted account. They have failed to do this each time. 
The fraudulent XXXX XXXX XXXX accounts were disputed, deleted, and then reinserted multiple times without proper certification or notification. This has happened several times over the past few weeks, despite my repeated disputes and supporting documentation proving these accounts are fraudulent. 
Each time I dispute, Equifax temporarily removes the accounts but then reinstates them within days, claiming the lender is reporting them. However, under FCRA 611, Equifax is required to verify the accuracy of information before re-inserting it, and they have failed to do so.

Equifaxs Violations of Federal Law : FCRA 611 ( a ) ( 5 ) ( B ) : Equifax failed to provide proper written notice when reinserting deleted accounts.

FCRA 623 : Equifax is continuing to report fraudulent information that they were already notified was inaccurate. 
FCRA 616 & 617 : Willful noncompliance with the FCRA, making Equifax liable for damages.

How This is Harming Me : I am in the middle of purchasing a home, and these fraudulent accounts are negatively impacting my credit score and mortgage approval.

Equifaxs repeated failures are causing financial harm and unnecessary stress.

Actions I Have Taken ( Which Equifax Has Ignored ) : I have sent multiple dispute letters demanding permanent removal. 
I have provided proof that these accounts do not belong to me. 
I have filed complaints with the XXXX and attempted to escalate to Equifaxs executive team. 
Each time the accounts are removed, they are illegally reinserted without proper verification.
Product: Payday loan, title loan, or personal loan

This company has repeatedly call my home, my husbands cell phone. I speak with them about a payment that has bee made and they tell me they are going to check on it and don't. XXXX XXXX has twice reported to me that they are running my credit without my permission. This is damaging my credit scores. I tried to dispute this same thing in XX/XX/XXXX and today XX/XX/2019, I received a email from XXXX XXXX   stating that a new inquiry was added to my XXXX  credit report. I have no knowledge of this and did not give permission. 
We are responsible for our debts, but they keep giving me mixed emotions of what is really going on. My bank said a payment was made and I have proof. They tell me they are going to call me back once they check there records. I don't here anything about we discussed. They just keep calling for a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is flat out putting lies on my credit report and once again I have the documentation to prove it. Experian sends me an email ( check attached documents ) telling me that my credit score has just changed for the better. Well, that was a joke. I go to see my credit score and what's there is a fourteen-point drop. How is that positive? I am confused at this point? A positive change would've been my score going up or something that's actually positive being reported. This was definitely not positive!
Product: Checking or savings account

JPMorgan Chase Bank restricted all my accounts and are due to close soon. I need access to my funds immediately. I have a little over {$1000.00} in my savings account ( restricted ) and {$30.00} in my joint checking account. I was told by a bank representative that a cashier 's check would be mailed out soon. I am going through a financial hardship right now, I have not paid my rent due to Chase Bank restricting my funds. I am filing this complaint in hopes to get my money IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

I applied for a XXXX loan cancelled the minute I found out about their interest rates, the gal at Big pic loan said my loan was in review and she could not stop it, than she put me on hold like 5 x during this phone call only to say she could n't stop it the money was going into my acct! I was NEVER TOLD ABOUT A FEE OF XXXX loan fee either. They put the $ $ in I proceed to call to have the $ $ withdrawn so I could get out of this nonsense that I did n't want to begin with .... then they said since they tried taking the XXXX out and there was not enough there because of the {$130.00} Finance charge that I was NEVER TOLD ABOUT! So there was only XXXX and some change there. My bank sent it back I had a non sufficient charge and than the fun began with this company! I called and spoke to a guy named XXXX who insured me I will have this closed and handled but, that I needed to pay more since daily interest was occurring. Payoff now was XXXX they were to take the $ $ out on XX/XX/XXXX .... NEVER DID! I called and spoke to XXXX who said XXXX never put the order through and they could n't do anything .... She proceed to say XX/XX/XXXX they could take the $ $ out but, it was n't going to be for XXXX it would be XXXX due to more interest .... this is insane and wrong! She than said she would take this matter to a higher level .... have n't heard from them ... .. which I probably wo n't! I did n't want this loan, cancelled it in time but, was told it was too late .... this company is a True scam and should not be allowed to operate .... I 've been searching the internet and seeing all the problems people had with this company it 's ridiculous ... .. 3 names this company has used ... .. Red rock tribal, Castle Payday now BIG PICTURE LOAN .... I need Help with this matter .... I did n't want the loan cancelled in time yet held me deemed responsible for something I did n't want!! Now they are not complying giving me the one around while making my XXXX loan building interest rates daily since they refuse to take the $ $ I was told to pay to close out my acct with Big Picture loans .... they refuse me paying it off and keep adding interest rates daily when the $ $ has been in my acct for them to take! It 's sad that this is what this company is doing and just plain WRONG!!
Product: Credit reporting

I 'm complaining against transunion for their failure to correct my credit report when I have proven to them that they are reporting this public record inaccurately. I am including my letter to them as well as the credit report - page XXXX shows the public records section : RECORDER OF DEEDS XXXX I 'm including the proof that you have the wrong reference # on this account as well as the wrong filing date. I did not receive the requested documentation that proves that you have this account reporting correctly.
Product: Checking or savings account

On XX/XX/XXXX I made a XXXX transaction to an email to a friend and had omitted one letter. The other email that was used was also registered with XXXX. The bank claims that because the other email address was used there was no way to have the funds returned. I missed the email by omission of one letter and the name was the same which is why I did not notice the error until a few days later. I have tried to work this out with the bank and they refuse to look into the issue further.
Product: Credit card or prepaid card

I have an Amex Gold card, of which a published benefit ( provided enrollment prior to XX/XX/XXXX ) was a complimentary XXXXXXXX XXXX XXXX membership ( since converted to XXXX XXXX. ) The membership began billing to my account automatically month on XX/XX/XXXX based on the card being enrolled in the XXXX app. The charge continued at the end of each month and I expect to see it post on XX/XX/XXXX as well. There has never been a corresponding credit. 

I contacted customer service on XX/XX/XXXX via phone. The representative agreed that I should be eligible for the credit and began to research the problem. He noticed that I have two authorized user cards in addition to the primary card ( what Amex calls the " basic '' card ) but they're all in my name. I explained that all of my Amex cards have the same last 4 digits which is very confusing when saving cards online so I requested additional cards to get unique numbers. He understood that but suggested that if I added one of the additional cards to XXXX that would be my problem, as the terms state the benefit applies only to the basic card. I confirmed that the basic card was the card that was enrolled in XXXX and he then told me he'd need to open a case. He gave me a case number. 

I did not hear back again from Amex regarding this matter. I followed up via online chat on XX/XX/XXXX and the rep " could not access that case number '' and asked me to explain the situation again. That rep informed me that the credit has posted on XX/XX/XXXX. I responded to the rep that a charge posted on XX/XX/XXXX but no corresponding credit and certainly no back credits from the earlier charges. The rep said I would see " the credit '' on my next billing statement but when I asked if this would include both the previous credits that never posted and would resolve the problem moving forward, he was uncertain. He then suggested that the credit was {$10.00} in XXXX Cash that I receive each month ; although this is a benefit of the card, it is IN ADDITION TO the free membership to XXXX XXXX and not instead of it. He was also unable or unwilling to have someone in a better position to help ( who could see the existing case number ) follow up with me. I determined the best way to get this issue in front of someone who could help to resolve it would be this CFPB complaint. 

Worth noting : I had an unrelated fraud issue on this account after submitting the original case. My card was replaced with a new card number. Therefore, the account information provided is the updated card information after the fraud reset.
Product: Checking or savings account

On XX/XX/2020 I went to a drive through of a TD Bank on XXXX XXXX in XXXX Florida. I withdrew {$1300.00} from my account in $ XXXX and $ XXXX. I counted the money but I didnt look very carefully. 1 of the {$100.00} bills was a counterfeit bill. I found out because the person I gave it to took it straight to his bank and they rejected it. There is no question it came from this bank and they have reacted by not caring in anyway. They have not even asked to see the bill to try to resolve this in anyway. The branch manager wont even give me someones number to file a complaint or a case. Please help me
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently respond within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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