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

To whom it may concern, I am having issues with XXXX and Transunion regarding my credit score.

My credit score with XXXX and Transunion dropped 45 points from XX/XX/XXXX to XXXX XXXX.I reached out numerous times to both companies and they refused to assist me, only giving me the credit report but not telling me what changed in my credit rating. It is interesting because I am preparing to buy a home, therefore I have not in the past months opened a new credit line ( any loans whatsoever ), I have maintained for years now a credit usage below 3 %, my salary has increased, and my outstanding loans ( student loans and auto loans ) have decreased in balance. 

I have been trying extremely hard to understand from XXXX and Transunion what new information caused them to drop 45 points with zero success. 

Fico and XXXX, both have me rated between XXXX and XXXX, which is where I was with XXXX and Transunion until they decided to lower my score 45 points and can not explain to me why... 

XXXX and Transunion are preventing me from obtaining a loan for a home ( would be my first home ) because of their poor credit rating whenever they can not substantiate their reporting. 

I beg for assistance, they keep sending me to different departments and no one ever helps me... 

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

On XX/XX/XXXX I attempted to open a line of credit, and I was rejected because SageStream, a credit reporting agency with which I've never done any business and never asked to apply a freeze to my account, reported a fraud alert on my credit with them. 

On XX/XX/XXXX, when I was alerted to the reason behind the denial, I attempted to request a replacement PIN through the SageStream web site so I could remove the freeze myself. They were supposed to send a replacement PIN in the mail, but one never arrived. 

On XX/XX/XXXX, I called SageStream on the phone to request a replacement PIN and was again assured it would be mailed to me. 

On XX/XX/XXXX XXXX today ) I received a postal letter indicating that my request to freeze my credit was a duplicate of my request to freeze my credit received on XX/XX/XXXX. On no occasion did I ask for my credit to be frozen : in all cases I've merely been asking for a replacement PIN so I can control the freeze that was placed on my file without my consent. 

SageStream has also XXXX the ability to call and speak to someone directly by phone ; they direct all requests to their inept web site which is singularly unable to process my request for a replacement PIN. I am unable to proceed any further, and SageStream 's unwillingness to help continues to block my ability to request credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all Experian, XXXX, and XXXX  credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX XXXX  and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX  's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EUIFAX 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EUIFAX is reporting 2 unauthorised Hard enquiries on my account which are : XXXX XXXX on XX/XX/year>. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EUIFAX any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give EUIFAX written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that EUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

Received Federal student loan from the University XXXX XXXX XXXX XXXX for the Fall of XX/XX/XXXX.  I had some issues that affected my ability to successfully complete the classes as I normally would. As such, I contacted the financial aid department to inquire about the financial consequences before making a decision regarding dropping the class. The representative informed me that I would not need to return funds if I was not receiving Pell Grant. I asked the same question four times and received the same answer each time. As such, I proceeded to drop the classes. On XX/XX/XXXX, I received an e-mail from the university stating that I needed to return funds. I contacted the university and spoke with the head of the financial aid department. After explaining the situation she instructed me to file a formal grievance. I filed the grievance, and during the grievance process the university proceeded to send my account to the aforementioned collections agency. After receiving correspondence from this agency, I contacted them by phone and sent letters via certified mail and first class mail. I explained the situation that caused my account to have a balance.On XX/XX/XXXX, I received a letter from said agency stating that it didn't have sufficient time to investigate my account. On XX/XX/XXXX, I received another letter stating that the account is accurate. I contacted the agency via phone and was told by a " supervisor " that the amount in dispute was from XX/XX/XXXX.  I tried to tell him that the amount in dispute was not added to my account in XX/XX/XXXX, that I was notified of the charges on XX/XX/XXXX. I also informed him that I didn't drop the last class until XX/XX/XXXX, so it was impossible to have incurred these charges in XX/XX/XXXX. However, he concluded that the charges were added in XX/XX/XXXX, and that is false. 

P.S. The agency also tried to argue that the grievance process does not prevent collection of the funds. My question is, why would the financial aid department instruct me to file a grievance to resolve the issue knowing that it would not resolve the issue, and would only delay a resolution? This account should not be a collections agency account, because we could have worked something out before my account got to collections. To conclude, this is an unfair debt collection, and is a violation of the Fair Debt Collections Act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against PayPal regarding a permanent limitation placed on my account ( XXXX ). After receiving legitimate earnings from XXXX, an affiliate marketing platform, and making sales through my freelance business, I was notified that my PayPal account had been permanently limited. This limitation has left me unable to access my funds or conduct further business, which has caused significant financial hardship. 

I immediately contacted PayPal to resolve this issue, but I was informed that the decision to limit my account was final. Despite my repeated requests for clarification, PayPal has not provided any clear or detailed explanation for their decision. I believe this action was taken in error, as I have always adhered to PayPal 's terms of service and conducted my business legitimately. 

I am seeking the CFPB 's assistance in removing the permanent limitation on my account so that I can access my funds and continue using PayPal for my business. This issue has severely impacted my ability to earn a sustainable income, and I would greatly appreciate your help in resolving this matter.
Product: Credit reporting or other personal consumer reports

As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activity, no later than four business days from the receipt of this notification. 
XXXX XXXX Balance : {$4200.00} XXXX XX/XX/year>
Product: Checking or savings account

Still fail to see how a breakdown in YOUR security is grounds for keeping my money from me. You say you can't prove I didn't have a hand in it, and I don't have information because I am the one who got robbed blind. this isn't going to be an instance where I just lay down and except Wells Fargo denying the responsibility you have to protect me. in order for a scammer to get access to my account, would mean that they had already compromised your system which is in no way my fault. and I have done everything to a T that was asked of me. its time for Wells Fargo to step up to the plate and make this right. I shouldn't have to go to the FBI and go down a rabbit hole with them that won't yield any result, you know it as well as I do. I've filed with FTC, CFPB, local law, local news outlets and attorney general. at what point will this Bank make right what is clearly its fault and for once do what's right and take care of a customer who has been faithful for 20 years. I will not let this go and I will drag it out until such time as it is made right by wellsfargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to see proof that I have made them charges for  XXXX   XXXX   XXXX  and  XXXX . I would like to see proof of my identification card and signature and not a statement of the bill! I did not authorize those charges!
Product: Debt collection

On XXXX XXXX I mailed a letter to XXXX XXXX XXXX informing them of the charge off they listed through Equifax. XXXX XXXX XXXX provided a deceptive document to verify the alleged debt which is violating me as a consumer.
Product: Mortgage

Wells Fargo is requiring me to use XXXX XXXX to do a valuation on my house to remove PMI. I can not find this requirement in my mortgage documents. It is a requirement listed in a letter they sent to me on XXXX XXXX, XXXX. My mortgage originated in XXXX/XXXX/XXXX. Are they legally allowed to do force me to use a specific appraiser after the fact? Additionally, XXXX XXXX charges {$550.00} for a single family property. The highest rated appaiser on angieslist.com quoted me {$270.00} for my specific single family home.
Product: Credit card or prepaid card

XXXX XXXX 2017 {$520.00} Credit limit is {$200.00} Sent proof of receipt payments that rental was being paid through XXXX XXXX. Allowed rental company to recharge and go over my credit limit of {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

DIVERSIFIED CONSULTANTS ARE REPORTING AN UNPAID XXXX  XXXX XXXX BILL FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern, This complaint is against AMERISAVE MORTGAGE COMPANY. 

I started the home refinance process on Wed, XX/XX/XXXX, at XXXX XXXX. I paid Amerisave Mortgage Company a XXXX $ application fee, and an assumed XXXX $ fee for their " appraisal '' process ( which came back surprisingly low. ). I was told by the Amerisave company that this valuation being lower than what I estimated during my application will have an impact on how much I will pay to cover the costs at closing. Imagine thus my surprise, when I was initially told that I would not incur any fees beside the application fee in the beginning. 

Today is XXXX, XXXX, XXXX, at XXXX XXXX, and I have not heard from them. No customer service, nothing to actually comfort me, nothing. 

Yet, they send me unsolicited robot messages, they don't answer to my phone calls, XXXX, and they reply to my emails arbitrarily. Above all, I don't even have access to my application on their portal. They ask me to download/upload documents on a portal I don't have access to. They never fixed it, and I don't believe they even care. 

See, these people baited me into believing that they had the best rates to refinance. Well they did at the time, and the numbers looked great. However, no refinance takes more than 4 months. 

" We have to create an escrow account for you to cover taxes and insurance so we take 6 months worth of your escrow and that gets rolled into the loan so your current lender will cut you a check and refund you what you have in your escrow account with them after we close. '' was the last useful message I got from these people on Fri, XX/XX/XXXX, XXXX XXXX. 

Everything seems dead there - and due to the lack of visibility I am filing this complaint. I also saw evidence of class actions against this same company in the past, and it does not comfort me at all. There is a strong presumption that they could still be involved in deceitful, harmful and unlawful practices. 

I hope it makes sense.
Product: Checking or savings account

There was unauthorized transactions made to my account in which I did not authorize the amount was {$2100.00} and a few other charges that was authorize that were unknown to me. I contacted bank of america and they refused to reverse the charges. The unauthorized charge for XXXX was done through Ach. in which was done by my previous landlord. He was not authorized to make this transfer but bank of america granted the authorization anyway. The transaction was in XX/XX/2022 and XX/XX/2022. On XX/XX/2022 is when I intiated a claim and on XX/XX/2022 I filed another claim. The claim number is XXXX. My checking account number is XXXX. These unauthorized transaction also made my checking account overdrawn.
Product: Mortgage

On XX/XX/XXXX, I sent a secure message through the shellpoint self servicing site asking why when my mortgage was transferred to Newrez/Shellpoint, my Hazards insurance Mortageee clause has not been updated to Newrez, and continues to show XXXX XXXX, my prior lender before transfer, and asking if I should be updating it myself. 

On XX/XX/XXXX, I received a reply in email for someone else 's loan and data included, saying they acquired my loan on XX/XX/XXXX ( My loan closed on XX/XX/XXXX ), with subject line showing " RE : Contact Reply XXXX ''. That is not my loan number, the correct loan number is XXXX. Further, it said I did not escrow for hazard insurance. Clearly in my closing documents, signed escrow disclosure I did and still am escrowed for hazard insurance, and it scheduled to disburse in XXXX. I am very concerned about my data being kept with newrez, and wonder how many other customers this may have happened to. 

To this date, I have not got a answer to my question, and am concerned about receiving other loans data, and want to make sure my loans data was not shared with any other customers. 

This is very sloppy loan servicing at best, and have only had Newrez for a couple of months.
Product: Student loan

On XX/XX/2023, I submitted a payment to Navient to be processed on XX/XX/2023. On XX/XX/2023, I received a receipt from Navient that stated the following : " XXXX, I'd be more than happy to assist you regarding payments received for your student loan account. 
Payments in the amounts of {$210.00} and {$360.00} were received XX/XX/2023 and both were applied to loan XXXX. 
Best Regards, XXXX, Loan Servicing Specialist Your loan servicer Your loans are serviced by Navient Solutions , LLC ( NMLS # XXXX ). 
ref : XXXX : ref '' I spoke with Navient today and they claim that these payments were actually not applied. When they asked me to verify my identity, I gave them my current address which they claim to not have as my current address. They claim their records show an address where I lived XXXX  years ago despite me having received mail from them at my current address as recently as XX/XX/2023.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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 XXXXXXXX XXXX XXXX Balance {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

There was financial system conversion for XXXX XXXX XXXX in which they changed to become Concora Credit. I paid off the last invoice I had with XXXX XXXX XXXX  on time and they received the last payment amount of {$150.00} on XX/XX/XXXX leaving a XXXX balance for account XXXX regarding a store account at XXXX XXXX XXXX in XXXX, IN in which they could not charge me the interest that would be billed in XX/XX/XXXX. While I can not log into the XXXX XXXX XXXX website to obtain the XXXX invoice, I do have a screenshot showing the XXXX balance amount. Since XXXX XXXX XXXX has now become Concora Credit, they have been billing small increments of interest and I have called them XXXX times to tell them to make sure their financial system is no longer charging me interest. Each time they have stated that they will make sure I will not be charged the credit. I do not think my handling this via phone with Concora Credit will resolve the issue any further.
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 ( CFPS ). 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: Checking or savings account

My account was a victim of fraud. I informed Bank of America of this and after long calls the funds were returned to my account. I've since learned that XXXX other individuals, who have completely unaffiliated accounts, were a victim of the same exact fraud as I was. 

Bank of America did an investigation to determine that this was fraud. I requested details of what was discovered during the investigation and was informed that if I wanted any information I would need a subpoena. 

I believe Bank of America was hacked in some fashion and is not informing their customers. My finances, personal information, etc, XXXX be at risk. In addition, other customers likely had money extracted from their accounts as well through this fraud but since Bank of America isn't announcing anything, they are unaware.
Product: Debt collection

An inquiry was reported to my credit regarding a debt of {$1900.00}. I deny the debt. XXXX XXXX is an online company that uses predatory tactics for loans. I have never received any loan or check from this company nor have I ever had any dealings with this company. The delinquent amount is dated from XX/XX/XXXX. all 3 credit bureaus reported different opened dates thus further emphasizing the false validity of this debt. XXXX is claiming DRSXXXX reported this debt is from XX/XX/XXXX. This was reported to the credit bureaus on XX/XX/XXXX. The statute of limitations in Texas for any debt is 4 years. I have disputed the debts with all bureaus but specifically XXXX. In XXXX my information was compromised when XXXX was hacked. This has been falsely reported to the credit bureaus causing my credit to be damaged significantly. I have no other collection accounts on my credit and request this be removed from all credit bureaus XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Information dispute Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Pa XXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, GA XXXX XXXX : XXXX / XXXX XXXX XXXX / XXXX, TX XXXX To Whom it may concern, I've recently obtained a copy of my credit report From all three major Credit Bureaus ( XXXX, XXXX XXXX XXXX ) in an attempt to understand my credit report and increase my credit worthiness. In the process Ive noticed A few Accounts that are reporting inconsistent on all three credit bureaus. It is your duty to protect my consumer rights by ensuring all information is consistent and most importantly reporting accurately. The inaccurate accounts are as followed : Account Name : XXXX Account Number : XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

Account Name : XXXX XXXX XXXX Account XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

Account Name : AARGON AGNCY Account XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

I have attached a copy of my credit report from XXXX, XXXX and XXXX to provide proof of all inaccuracies. Please Send your response to my address listed above. Thank You! 

Signed : XXXX XXXX
Product: Debt collection

Choice Rec Is reporting 4 collection accounts that are a result of Idenity theft. One in the amount of XXXX. Two in the amount of XXXX and one more in the amount of XXXX. I notified XXXX  and added a fraud alert to my profile. XXXX  opened a dispute and they claim that the accounts were verified. per the FCRA once the credit agency receive notification that the account is related to Idenity theft they have 4 days to remove it from my credit report. I gave notification to XXXX  on XX/XX/XXXX and all they did was open a dispute. I would like these accounts removed from my report immediately please. This is stopping me from receiving Financial assistance Needed due to Covid 19