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

After reviewing my credit report, I have noticed hard inquiries I do not recognize I ha contacted all XXXX CRAs, and they refuse to dispute or investigate the inquiries Attached an XXXX report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 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 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 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurer that are not initiated by consumer ( 3 ) Information regarding inquiries Exc in section 15 USC 1681q ( a ) ( 5 ) of this title a consumer reporting agency s to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a complaint against Cash App for closing my account without sufficient explanation. My account was closed on XX/XX/2023, without any prior warning or notice. I have attempted to contact Cash App 's customer service multiple times to inquire about the reason for my account closure, but have received no response. 

I believe that my account closure was unjustified, as I have always used Cash App in accordance with their terms of service. I have never engaged in any fraudulent or illegal activity, and have always been prompt in paying my bills and transferring funds. 

I would appreciate it if you could investigate this matter and help me to resolve it as soon as possible. Please let me know if you require any further information or documentation from me. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

Midland Funding Inc called me in XXXX 2016 regarding a supposed debt they purchased from XXXX Back/ XXXX XXXX. I requested that Midland Funding Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM. 

On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In colorado I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started. 

Summons have XXXX date on it and does not have a court seal or case number. 

Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court Midland Funding Inc. XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal. 

Called the number for the Attorney on the account and was rounter to a dump all number for Midland. 

Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for Midland and transferred my in to a bling que. 

Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed. 

Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law. 

I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected. 

Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX 

XXXX provided me with his email address and stated that he was putting together a validation letter. 

I received the so-called validation but there is nothing in there that states my rights as is required.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX are violating my consumer rights! XXXX5 U.S.C 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: Debt collection

On XX/XX/2022 Wakefield and Associates of XXXX, TN texted me a debt notification letter. I disputed the debt, as I have never received a bill from the entity they are claiming I owe money to, via XXXX class mail with tracking. Wakefield and Associates received my response and signed for it on XX/XX/2022 at XXXX XXXX by XXXX XXXX. Wakefield and Associates has not sent any proof that I owe any debt. They are in violation of the Fair Debt Collections Act Section 809 subparagraph b If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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 a 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. 

They have placed a disputed debt on my credit report without sending me any form of verification and proof. Their actions are illegal.
Product: Debt collection

For the past few months I have been getting phone calls stating " This is Nationwide Credit and Collections. '' I have excellent credit and have zero debt. When I google the number, sure enough I see reviews upon reviews that this is a scam! Please help me stop them before an innocent falls for it! 

The phone number that keeps calling me is XXXX.
Product: Mortgage

We suspected fraudulent lending practices with Wells Fargo Bank during the years we paid extra money to be applied toward the principal of the mortgage loan. 

I debated the fact that when I applied extra money toward the loan and asked that it be posted toward the principal, I was repeatedly told that they didn't honor such a practice. 

So, they would hold the payment and apply it toward the next month 's payment and apply it then. 

I felt this was a dishonest way to practice banking, since the extra payments should have decreased the principal and therefore decrease the amount of interest charged. It motivated me to pay them off quickly and never do business with them again. The loan was paid off in 2020 for my home at XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. 

I would appreciate it if someone can look into this, and if any money is due to me, I could surely use it, since I will be retiring in a few years. Thank you kindly
Product: Credit reporting, credit repair services, or other personal consumer reports

College Foundation Inc 30 Missed Currently 120 days past due Overview You've paid off -79 % of your  student loan amount. 
Balance {$7100.00} Highest Balance {$4000.00} Monthly payment {$74.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mo ) Term 120 months Payment History Youve made 40 % of payments for this account on time. 
J F M A M J J A S O N D XXXX XXXX XXXX XXXX Worst payment status XXXX Days Late Times XX/XX/XXXX days late XX/XX/XXXX DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE You've paid off -44 % of your student loan amount. 
Balance {$5000.00} Highest Balance {$3500.00} Monthly payment {$52.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Term 120 months Payment History Youve made 40 % of payments for this account on time. 
J F M A M J J A S O N D XXXX XXXX XXXX Worst payment status XXXX Days Late Times XX/XX/XXXX days late XX/XX/XXXX
Product: Credit reporting

On XX/XX/2017 I checked my XXXX account and noticed that Trans Union had removed all of my collection accounts ( 4 ), removed all of my inquiries ( 8 ) and illegally reinserted them back onto my report without first notifying me, in writing, within 5 days. TransUnion states that all of that activity took place between XX/XX/2017. They have violated the FRCA laws for not notifying me within 5 days of re insertion. Attached are screen shots of all the illegal activity they performed. I have contacted TransUnion via telephone and spoke with a representative, who was very rude, about the deletions and reinsertions and how they did not notify me via writing that they were reinserting the accounts. The representative basically told me that they didnt do it and called me a liar. When I asked to be transferred to a supervisor, I was told that there was not one available and was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. block and remove them. 

1. XXXX XXXX  XXXX XXXX 2. XXXX XX/XX/2021 3. XXXX XXXX XXXX  XX/XX/2021 5. XXXX XXXX XXXX 6. XXXX XX/XX/2021 7. XXXX XXXX. XXXX XX/XX/
Product: Mortgage

I have been disputing my mortgage payoff balance for several years. I have complained to my mortgage company, and they keep giving me standard non applicable responses. Despite the fact that my combined principle and interest payments exceeds the combined principle and interest of the original amortization schedule, they claim my home is not paid off. The basically extended my loan to make up for an arrearage, and had me pay off the arrearage separately. 


In addition, the Mortgage Company used a calculation to determine original arrearage, which was incorrect. They assumed it was interest only, which it was not. I produced a document from HUD  that showed the original arrearage was made up of interest and principle. Once XXXX paid all of the arrearage in XXXX, the principle portion should have been reduced from the outstanding principle. In addition, the mortgage should have been reinstated, with the principle and interest payments being brought forward to match the original amortization schedule. That would have applied more of my monthly payments to principle, following XXXX paying off my arrearage. Both the incorrect arrearage calculation, and lack of adjusting principle and interest payment distribution, created a error of about {$8000.00}. In addition, I think a penalty should be applied toward my mortgage company to the tune of about an additional {$2000.00}. Not to mention an excess penalty being applied to me in XXXX, to the tune of about {$2000.00}. That produces a grand total of about {$12000.00}, which should be reduced from my reported outstanding mortgage balance. Ill be  producing a spreadsheet, and will share it with PHH and CFPB.
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries, as they were undertaken without my consent and do not relate to my involvement.
Product: Credit reporting or other personal consumer reports

Equifax has furnished multiple hard inquiries to my credit without my express written consent ranging from the date of XX/XX/XXXX through XX/XX/XXXX. I don't recognize any of these inquiries and want them removed immediately from my reports. Enclosed is documentation from my XX/XX/XXXXXXXX  Equifax credit report showing the inquiries in question, circled in orange. I do not recognize a single inquiry on this report and therefore request every single inquiry circled be removed. Thank you
Product: Debt collection

I need help, I paid off my SYNCB credit card and now this collection agency XXXX is after me for the same debt. I need help this account has been resolved. I do not know where my money went to with SYNCB but it cleared my account with them. Please help
Product: Mortgage

I contacted Bank of America Recast group on XX/XX/XXXX at XXXX. I was told during 12 min conversation after looking up my mortgage that a recast package would automatically be sent out to me in XX/XX/XXXX because recast was only available after 5 years on modification loan. I called BOA on XX/XX/XXXX and spoke to my mortgage rep XXXX XXXX who didnt know anything about the package. He contacted recast group over a 2 week period and gave me different stories and admitted the stories he received from recast group contradicted one another and then provided me with a XXXX tracking # for the recast package that was bogus and going to XXXX XXXX on XX/XX/XXXX. ( XXXX ) He was supposed to update me but i had to keep calling in. Each time new story on why it was delayed being sent out. I called recast after Mr XXXX stopped responding and they changed stories several times. Then on XX/XX/XXXX Mr XXXX finally accepted a call thru his coworker from me and proceeded to start the contradicting stories from earlier. I just want official documentation for application for recast or denial WITH REASON for denial. I believe this is retaliation for lawsuit about modification and settlement documents. *********No paperwork has been sent regarding recast as of XX/XX/XXXX******
Product: Credit reporting

I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/2017 XXXX There is ( XXXX ) reporting on my Credit XXXX XX/XX/2017 XXXX XXXX/XXXX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX  on several occasions most recent XX/XX/XXXX and XX/XX/2020 about the balance being incorrect ( I have a XXXX  balance but they are reporting {$2400.00} ) as well as the payments being reflected incorrectly. ( all payments have been made on time ) They have not reported to transunion ( the credit reporting they use ) since XX/XX/2020. This card has been paid in full since XX/XX/XXXX. I have started a dispute witg transunion and both times they maintained my balance was {$2400.00} but when I spoke with XXXX  they acknowledged my balance was {$0.00}. I have asked them to report the new balance. They said they would inly report that the account is in good standing and not report the balance as XXXX   according to XXXX a XXXX  XXXX, because my account was XXXX and they felt they had nothing to report. Even tho she said they report monthly or every billing cycle. When I pointed out it had not been she repeated her original statement. And refused to report the new balance.
Product: Credit reporting or other personal consumer reports

have Disputed several accounts with the Credit Reporting Agencies for numerous inaccuracies and they have not been removed and According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, TransUnion are CRAs and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX, TransUnion are the financial institution and the Consumer reporting agencies XXXX, XXXX, TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX and TransUnion Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I was completely shocked and dismayed to find inaccurate accounts suddenly appearing on my credit report this morning. I regularly check my credit, but this time, there were unexpected discrepancies. I tried refreshing my browser, hoping it was a glitch, but the inaccuracies remained. Im now requesting a thorough review of the documents Ive submitted so that I wont have to worry about this issue anymore.
Product: Checking or savings account

It is with great reluctance that I am even filing this claim. However, I am not able to reach a person that is willing to assist within my banking institution. I am currently and have been in a XXXX XXXX XXXX XXXX facility that does not afford me the hours needed to be on hold to wait and speak with someone. On or about XXXX XX/XX/2019, I made a call to the claims department at BB & T. I advised the representative that there were two charges that were not authorized on my account. I explained that someone from BB & T called me making me aware of the charge in the first place and that card was replaced. I am not sure how or why the merchant came forward with yet another charge without having anything to show me doing business with them. I do not and have not had contact with the merchant ( s ) only to try and figured things out. Since I was not successful I then asked the bank to step in for them to send me a letter stating that there was no error on the account when that was not what was alleged. What happened was two merchants took money from my account without my permission or authorization. I have proof of my whereabouts and I have not signed anything so that alone warrants and investigation to be done properly and my funds to be taken back from those who were not at liberty to receive them. XXXX and XXXX XXXX XXXX were not justified in receiving money from my account.
Product: Credit card or prepaid card

Good afternoon, I am requesting clear legible copies of all checks payable to XXXX XXXX XXXX from XXXX XXXX, 2019 - XXXX XXXX, 2019. Preferably scanned and hard copies. 

Thank you
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. 

I have made previous attempts to fix this issues directly with them and They are violating my rights. I'm entitled to {$1000.00} for every violation I listed, they either pay me or DELETE these accounts ASAP.
Product: Student loan

I have private student loans from Key Bank I owe {$58000.00} they will not consolidate them, or find a payment plan that will give me a chance to pay back my loans. I need help right now my loan is in 'Charge Off '. I only make {$15.00} and hour and need assistance in getting them consolidated and find a payment that I can afford. 

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

Equifax mishandled my personal information by failing to properly secure data on their systems which has led to a cyber-security breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with or include arbitration clauses in ToS. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
Equifax corporate insiders should also be investigated for potentially cashing out stock prior to announcing the breach.
Product: Student loan

Mohela inappropriately coerced many into early recertification of income, despite federal guidance. My plan was inappropriately changed from the Pay as You Earn Plan ( PAYE ) to a standard repayment plan following my recertification. Following federal guidance about recertification and payments reverting to previous amounts ( https : //studentaid.govXXXX XXXX, I called Mohela in XXXX, XXXX, XXXX, and XXXX to ask that they 1 ) place me back on my requested IDR plan ( PAYE ) AND to revert payments back to amount paid in XX/XX/2024, again, per federal guidance. Each phone call, I was assured that these errors would be fixed in a timely fashion. Six months later, no change has been made on my account regarding either of these errors. These errors significantly impact my chance of achieving public service loan forgiveness, and immediate attention would be so appreciated.