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

For over 18 months I have been demanding that Trans Union delete incorrect and incomplete information from the consumer profile concerning me. I have demanded that they provide me with a complete copy of the consumer file concerning me as required by Fair Credit Reporting Act 609 to include the names of employees of alleged creditors that they allegedly spoke with to verify and validate all the information. 

XXXX has found that none of the accounts that I've demanded deletion could be validated and therefore permanently deleted them as they were supposed to and which Trans Union is failing to do in opposition of the law. I am attaching proof that XXXX has deleted the information. The companies of some of the accounts do not even legally exist and therefore I can not make contact with them through the mail or by phone. 

Trans Union also claimed that they verified and validated a bankruptcy, but as you can see in the attachments, The US Bankruptcy court clearly states that they do not furnish information to credit reporting agencies. This means there is nothing in the consumer file concerning me in Trans Union 's possession that certifies that the information is true, correct, complete, and not misleading, which is a requirement for furnishing. This also proves that I did not give permission for this to be included in any consumer profile or consumer report concerning me. Trans Union is defaming my character, falsifying information, re-aging accounts from companies that do not exist, causing business disparagement, and intentional infliction of emotional distress. 

I demand that Trans Union PERMANENTLY DELETE the following accounts immediately or pay me for my actual damages suffered by their failure to insure maximum possible accuracy of the information contained in the consumer profile and consumer reports concerning me : 1. Bankruptcy - XX/XX/XXXX no permissible purpose, not certified or validated. 
XXXX. XXXX - company does not exist. I have never done business with this company. 
XXXX. XXXX Bank - missing information, illegally re-aged, and changed from XXXX to XXXX Bank, which one is it? Your information does not match XXXX and did not match XXXX, therefore, you couldn't have possibly investigated to conduct a lawful validation of debt. 
XXXX. XXXX OF XXXX- this company does not exist. I have never done business with this company. Information on this account is different depending on the credit reporting agency which means Trans Union has not spoken to an actual person to validate the account 's accuracy. All information is not accurate. Impossible for a company that does not exist. 
XXXX. XXXX XXXXXXXX - ( Inquiry XX/XX/XXXX ) I did not give this company permission to access the consumer profile concerning me. 

There seems to be integrity issues at Trans Union amongst those claiming to conduct investigation of disputes. I do not believe you're actually contacting the alleged creditors and data furnishers at all.
Product: Credit card or prepaid card

Synchrony Bank XXXX XXXX XXXX XXXX XXXX closed my account due to two rejected payments. The withdrawal attempts were made to the wrong checking account ending in XXXX on XX/XX/2019 and XX/XX/2019. I changed my primary payment method on XX/XX/2019 to checking account ending in XXXX. I received a confirmation email as well. When I brought this to the attention of customer service supervisor XXXX and XXXX on XX/XX/2019 I was told there is nothing they can do and the credit account can't be reopened. I then spoke with Operation Manager XXXX via chat on the company site and was told the same thing after offering evidence of payment method change prior to rejected payment attempts. The closing of the account has negatively affected my credit score.
Product: Debt collection

Good afternoon To whom it may concern I dont remember exactly the date but it was back in XXXX. I made a purchase from a furniture store, and they have me apply for a credit line from a third party. Which I believe I was qualified for about {$1300.00} so I purchased so for the whole amount. They were scheduled to deliver those furnitures to me in two different dates within five days from the XXXX dates. I received the XXXX order which was a so far chair and that was it. After that XXXX days I saw that I havent receive the rest of my furniture I went back to the place.. Ive seen the place locked out with no instructions rather the moved to another location of not I called the number that was on the receipt no one picked up, I kept calling for about two weeks no body ever picked up it just went straight to voicemail. So therefore I canceled automatic payment that was allowed for my account to the third party and when they called me I explained to them the situation they told me that cant do nothing so now they sent me on Debt collection.
Product: Mortgage

My Reverse Mtg was assigned to HUD in XXXX. With the last 2 mtg companies I have easily and quickly been able to draw down on my equity to supplement my social security, I am XXXX and it pays for my caregivers. After the assignment of this mtg to HUD ( Compu-Link is the Servicer ) I was sent a letter asking for various pieces of information that I provided, ( Proof of paid prop.Tax and Insurance and another letter asking if I lived in my home. ) All were returned promptly. I was also told that Draw forms were included with that letter. No forms were included. I called and Emailed and requested forms. I had help from my daughter XXXX. We got forms 2 weeks later. ( Unacceptable in my opinion ) We filled out the request for funds, {$2000.00} I have called only to be told it is Pending? Pending? What is happening here. Last request waS FAXED XXXX. It is now XX/XX/2023. No response. I am beside myself. I will lose my caregivers if I can not pay them. I need living money. Just want to mention there is no phone or fax to the Servicer of this loan, Compu-Link... How is that possible. Perhaps we should rename them to Incompetent-Link.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$49000.00} XX/XX/XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have been working towards PSLF and as of XX/XX/2022, had XXXX qualifying payments and got the " trophies '' saying I would be forgiven. I talked with a Customer service rep ( at that time, loans were managed through XXXX  XXXX XXXX ) who said I would be forgiven in 30-60 days. Instead, my loans were transferred to Mohela in XX/XX/2022 and I have been told monthly by their CSR that I would be forgiven in 30-90 days, but it has never happpened. It has now been more than a year since I qualified. I have filed complaints with Mohela directly, with Federal Student Aid, with my state Attorney General, with my State senator XXXX XXXX, with the Ombudsman ( although I got the feeling that that CSR didn't actually do anything. there was some communication barrier, it was odd ). I have now been recommended to make a complaint with CFPB. I'm desperately hoping you can advocate on my behalf. The psychological burden of this debt is significant and it is maddening to know I qualified for forgiveness over a year ago and still am wasting HOURS every month trying to talk with Mohela just to be told the same thing every time -- " Just wait! You're all set ''. Thank you.
Product: Vehicle loan or lease

I had a car with Wells Fargo they add gap insurance for 8months even though I had insurance and when I couldnt keep paying they repossessed my car. 
This was in 2015
Product: Mortgage

XXXX XXXX im struggling with my us bank mortgage loans for fix heating furance since XXXX i application many times..my us bank mortage unable to provide us a loans many times due credit.. iam very frustraition no heating furance long time that is enough.. i need loan now before hate cold.. i used space heating burn plugs make me so XXXX. XXXX XXXX.. XXXX XXXX..i dont know what do? i wont sell due my horses need place to stay.. i can't afford buy other due price up..i did application for the heating company but unable to help me due credit .. my hubby call the oregon who made XXXX manfuctured home problem elertic system he need mannal they are saying no help.. its recalled.. worse upseting..i email to my usbank about new manfuctured home they are saying no.. iam very stuck since XXXX! i need fix..need warm for my health.. 
take care XXXX XXXX
Product: Payday loan

I am currently in a loan where I owe XXXX I can not pay for it because I have just lost my job, I will be going to college and after that the loan will be too much for me to even pay for. The bank that I have is with XXXX and this is in Idaho. I called them and talked to XXXX different people about the problem that I have and they had no solutions I wanted to foreclose the loan and they were not able to process it I am currently filing for bankruptcy and will be stopping any further payments to this speedy cash loan place, I WARN ANYONE WHO DECIDES TO GRT A LOAN DO NOT AND I REPEAT DO NOT GET XXXX HERE because this is absolute XXXX.
Product: Credit card or prepaid card

I have had the XXXX XXXX XXXX for a year and every single payment I have made over the course of the year ( at least 15-20 payments ) have been held for 10 days and no one can give me an explanation as to why outside of sometimes the system holds payments. My issue is not that there is a hold on some payments. It is the fact that every single payment is held 10 days before my available credit is updated. I have never made a late payment nor have any of my payments come back returned. I spoke with 7 different representatives and none of them were able to offer a solution.
Product: Credit reporting or other personal consumer reports

I submitted a request to remove an inquiry on my credit report. I did not apply for this inquiry and I explained I have no idea where this came from. They did an investigation and came back saying they can't remove the inquiry and nothing they can do about it
Product: Credit card

I received an email from the Citi Fraud department so I called Citi credit card services to gather more information. Upon talking to the representative I was advise a dollar amount that was different than what I had. I had used XXXX promotional checks from Citi for 0 % on balance transfers until XXXX/XXXX/2016 with a {$5.00} or 3 % fee, whichever was greater. After talking to the fraud department I started questing the amount and they transferred me to a customer service where I was told the fee is % 5 not % 3, I advised that the paper I have that is attached to the check states 3 % not % 5, Citi has mislead me as a customer as to what the offer really is. The manager and the representative could not explain nor wanted to help why I was charged % 5 and not 3 %. Citi is a misleading consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-18 my lease with XXXX XXXX was closed as a result of XXXX doing a buy back on my car because of mechanical issues. The account was paid off by XXXX when the car was returned. I have all documentation showing that the lease was paid off. I am still receiving statements from XXXX showing I have a {$0.00} payment and 0 payments left on my account. I called XXXX approximately 1 month ago and they confirmed the account should be closed and I do not owe anything. However, XXXX reported that I am delinquent by 3 months on payments for an account that no longer exist. I filled a dispute with XXXX and have not recieved a response. I also contacted Experian who would not reveres the delinquent payment status even though I had all documentation showing the account was paid off in XX/XX/XXXX. I have never missed a payment on any type of credit. I have all documentation if needed.
Product: Mortgage

This is a followup for claim No. : XXXX Per the resolution of the claim above, the escrow company accepted responsibility to pay the penalty that we incurred for not paying our taxes on time. 
To date we have not received any payment. 
After several attempts call them, with no response from anybody, I sent them emails, attached is their response saying that they are still collecting documents. Although we submitted all documents in the above referenced claim .... 
For any additional questions please feel free to call me at XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I discovered two accounts on my credit report that aren't mine. I applied for a credit card today XX/XX/19 and I did not qualify due to those accounts reflecting badly on my credit. After looking into this more, I came to the conclusion that these accounts were opened on my behalf fraudulently and without my permission. I don't know who did this or why anyone would want to ruin my good credit reputation but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I do not have any type of written/verbal contract or agreement with either of those companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mixed credit file with another family member. XXXX and XXXX have removed the Public Record but Experian and XXXX refuses to call the Court House to investigate. Numerous inaccuracies exist including wrong address, No dollar amount, wrong District for Bankruptcy and furthermore they say it happened on my birthday. Please remove this from my file?
Product: Debt collection

This Is my second attempt to communicate to this creditor. this debt from XXXX XXXX is not mine. This previously disputed account that was REMOVED from my credit file. 
Has simply been renamed or purchased by a different COLLECTION ageny in an attempt to fraudulently collect this UNVERIFIBLE DEBT. I demanded picture confimation showing this debt was mine and was not provided. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, While some were removed others have simply sold the debt and is now reporting again. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I started getting phone calls regularly at least twice a day. I don't answer calls from random numbers but after several days it became annoying. I checked the internet to see who was calling me and discovered it was Avant. I have a credit account with them. When I logged into my account I saw they were claiming my payment was late for XXXX. I paid my monthly bill on XX/XX/XXXX even though it was due on the 25th of the month. They are charging me a late fee. I phoned them immediately to inform them they were incorrect and that I had paid on the 1st of the month. I was told that counted as XXXX, even though I had paid XXXX on the XXXX. I asked them to remove the late fee but they denied my request. This is not about the money. If I had been late I would've just paid it. I started doing research on Avant and saw that they have done some questionable things in the past. I am filing because they are being unfair. The statement tells me I have to send them a request in writing for a " mistake '' on my bill. I will be doing this as soon as I've completed this here.
Product: Credit card or prepaid card

Discover Card has been statements along with private and confidential information to an address in XXXX ILL that does not exist. Discover card is also reporting this address to the credit bureaus and is seriously impacting my life and my families life.

Discover is committing a federal crime by sending my information to the address in XXXX Ill. How this managed to happen, Discover card will not tell me and they have total disregard for the issue. Discover card says well you opened the card and the debt is valid which is once again, a total disregard for them sending statements to a XXXX address that does not and has not belonged to myself.
Product: Checking or savings account

Opened XXXX Account on XX/XX/XXXX. Deposited {$50000.00} by ACH transfer received by Discover Bank on XX/XX/XXXX. For over XXXX  month access to account was suspended pending " identity verification ''. Uploaded my driver license and social security card on XXXX occasions. On XX/XX/XXXX I initiated request to transfer funds out of Discover Bank back to my original savings bank. That ACH transfer request has been canceled by Discover. Have spoken to many " account managers '' and " security specialists '' - no one able to provide info as to why account frozen. No one able to help me. Everyone gives me the run-around. No one takes ownership to solve the problem. Discover Bank currently holding {$50000.00} that I need back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, inquiry on XX/XX/year>XXXX  has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuously reporting inaccurate information to my consumer report they have taken a vital role in myself and my childrens lives. This company has willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a recent copy of my most recent report regarding this account, I have also circled all INACCURATE information since this company will not do a proper investigation. XXXX is practicing identity theft as well since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS XXXX 'S AUTHORTY REGARDING MY PERSONAL INFORMATION? Pursuant to 1681 ( 2 ) ( i ). DELETE THIS ACCOUNT ONLY ( XXXX ) FROM MY CONSUMER REPORT, the information is INACCURATE I should have never had to circle each inaccurate detail on my own. This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage.
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 55 financial loss, and I seek appropriate redress ( 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.