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

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 16811 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 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 a 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 fumish 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Payday loan

Big Picture Loans Signed agreement 3 times and now they tell me that funds will not be deposited until XXXX. 
I was told so many lies. They repeat themselves and it does n't seem the contact center understands XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian removed my XXXX  XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting on my Credit Report.
Product: Mortgage

we went into a forbearance, once it was over we tried to start making payments. we sent in the first few months. the loan company sent us back the payments in XXXX lump sum. they then called us and told us in order for them to approve our modification we would just have to send the money back. we did on that call. it was about XXXX dollars. they then told us to wait for a packet, fill out the packet and them send it back in. We waited and no packet so we called, each time we called I explained the entire situation and was told to wait for a call back. it got to the point where a supervisor had to look at the notes. she said she didnt know why they told us to wait for a packet and she would get to the bottom of it because she could see it in the notes from all our calls. she never called back. so again I called. they told me to fill out another packet. this XXXX  finally came. we filled it out but by this time out mortgage was so far behind that they denied our modification. now our home is in foreclosure.
Product: Money transfer, virtual currency, or money service

My account was frozen cause of a suspicious Transaction by customer I tried to call and email cash app to let them know about what was happening. Later on someone called me as a cash app rep. Requesting information about my account to fix the problem. I later noticed that all of my money was wiped out please if anyone can help you can email me at XXXX or call me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was reported wrong on my credit report causing issues. The report is mislead on information regarding previous address, XXXX worked for, and where I lived. I lived at XXXX XXXX XXXX, XXXX XXXX, Colorado XXXX before the change to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX 

I had lived in XXXX XXXX XXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Dear Credit Management LP Section 15 USC 1692g ( a ) of the Fair Debt Collection Practices Act states that a debt collector must send within 5 days after initial communication with a consumer, validation of debt that contains a statement that unless a consumer disputes the validity of a debt or any portion then the debt will be assumed to be valid, must send the name of the creditor to whom the debt is owed, and the name of the original creditor if different from the current creditor. I am unaware of this debt I also need to State I never received this notice prior to this being placed on my consumer report. If you believe your company sent out this notice according to the fcra then please produce my signed signature return green receipt which came via certified mail from your company. If youre not able to produce this simple information that Im requesting to prove your company in fact sent this notice to me and follow the law you must delete this account off my credit report immediately from all credit reporting agencies such as XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to establish several fraudulent accounts without his consent. Some of the applications submitted resulted in fraudulent related inquires. A formal dispute of those inquiries was sent to the respective organization however the inquiry was not removed ; this is a violation of FCRA regulations. A dispute was then sent to the credit bureaus and again the inquiry was not removed, another FCRA violation. As of this morning a credit report found XXXX ( XXXX XXXX XXXX ) is reporting the fraudulent inquiry generated to Equifax X/X/17.
Product: Credit reporting or other personal consumer reports

enclose is a copy of the letter i received from the United States Bankruptcy Court in which i have to tried to get this error remove from my credit report and they are informing me it was verified which this is a error on my credit report i would like to have this item remove from credit report my i was never provide any proof of this being mines
Product: Debt collection

Went to an XXXX and was not told the Dr treating me was not in my insurance plan even though the hospital is in my plan. Got bill for $ XXXX+ and tried to dispute with my insurance company and hospital. Time went by and got denied by insurance company. In the meantime got a settlement offer from the hospital. Bill was paid immediately via the hospitals website. Started getting collection calls from Bay Area Credit. Multiple calls per day on home and cell phone. Indicated I had paid debt. They then said there were XXXX debts for the XXXX and i paid XXXX but not the other. We never received XXXX bills only the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was created without my knowledge, and I have no contractual agreement with the creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX. I have spoken to XXXX XXXX XXXX XXXX, and explained to them that I discovered an erroneous account in my name on my credit report. They informed me that the onus was on me to prove that I did not create this debt myself. I am a XXXX individual, and I do not have the wherewithal to go head to head with a bank to prove my innocence. The fact is, that they can not produce a contract with my wet ink signature on it. They have done damage to my commercial person, preventing me from participating in commerce at the level and status to which I am entitled.
Product: Credit card or prepaid card

Received letter dated XX/XX/XXXX from HRRG stating " Our client has authorized us to offer you this settlement. '' Account balance {$1700.00}. Don't know this card, never applied. Been totally disabled since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw that accounts reporting that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my THIRD complaint against Equifax regarding account XXXX. Equifax in their last response stated that they mailed me results of their investigation. The problem with this is I submitted new information in my last complaint. XXXX XXXX XXXX explained that the account was placed with " XXXX XXXX XXXX XXXX XX/XX/2018 because the account was past due and I spoke with them, XXXX XXXX XXXX about this account. However Equifax is allowing this account to show that it was with XXXX from the time it was opened to close. IN addition the practices that XXXX and XXXX XXXX Used directly violates the FDCPA. In my last complaint I included the letter I received from XXXX explaining the account as well as the FDCPA and instead of Equifax looking at the information they gave me a generated automatic response. As a consumer I have the right to a credit report that is 100 % accurate. When a consumer submits a complaint the Company is supposed to look at all documentation in connection with the complaint and then make a decision. Equifax did not do that. Until now I have kept all of my complaints private in hopes that we can get this resolved but I see now that Equifax allow malpractice in handling complaints and disputes. This leads me to believe that they have done this to several people. So this complaint will now be public in an effort to encourage others not to be bullied by Equifax and when something is inaccurate on their Credit Profile the Bureaus have a duty to correct it. We all have the right to a Credit Report that is 100 % accurate and also have the right to dispute inaccurate information on our credit report according to the FCRA. I understand that disputes can be time consuming and may cost the Bureaus however it is their job and duty. I will be including the last complaint with this, along with the letter from XXXX admitting that they did not have the account and I spoke with a third party who also didn't honor their agreement thus violating the FDCPA which then means this account isn't verified. It is inaccurate and needs to be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am writing this complaint regarding Equifax. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues.

Also, I have verified my identity multiple times. They have been done through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have private student loans with navient that im forced to pay and the school I attended is closed and i was not able to graduate or transfer my credits. We are all familiar with XXXX XXXX. I should be able to aplly for a closed school discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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 AV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted written documents stated. I have no knowledge and I have not authorized inquiries on my credit report.
Product: Debt collection

Kay Jewelers allowed a friend of mine to use my account without my knowledge. My boyfriend at the time went into a store in Virginia for a cleaning of a product I purchased. Subsequently, the product was damaged by an employee during cleaning. They offered to fix the damage. In the meantime, my boyfriend asked if they could provide a " loaner pair '' of the same earrings until these were fixed. He was not authorized in any way to use this account. Not only did the employee allow him a new pair of earrings in my name, he also raised my credit limit in order to put this purchase on my account. No notice to me about what was going on, no signature from me, no call, nothing! When I found out what happened ( through a phone call I made inquiring about my increasing bill ), they told me about the purchase. I told them that 's impossible as I was at work that day and no one else has authorization to use my account. Long story short they stated they removed this employee from the store and also would credit me with the cost ( neither of which really happened ).
Product: Credit reporting or other personal consumer reports

Tried several times to get credit agency to verify these accounts and I never received any physical documents proving these accounts are verifiable.
Product: Credit card or prepaid card

COVID-19 arrived. I wrote a nice letter to Barclays, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Wyndham Visa credit card. 

They are still charging my account for payments, interest, and late fees.
Product: Debt collection

This CFPB complaint has been filled to request pursuant to FCRA *605B ( 15 U.S.C * 1681 c-2 ) that you Transuion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint this fraudulent, inaccurate and false information consists of a personal credit card account opened at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX .account opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXX on XXXX. XXXX. XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( 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 appropiate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Product: Credit reporting or other personal consumer reports

After several disputes with Equifax about inaccurate information on my credit report, including items being reported without proper authorization, I requested proof of investigation and the steps Equifax followed during their correspondence with furnishers. Equifax responded by stating that the document was illegible. This response is deceptive. I have attached Equifax 's response as proof of their willful noncompliance, negligence, and delay tactics, which continue to damage my financial stability and harm my family.
Product: Mortgage

On XX/XX/2020 I was told by my mortgage lender, PNC Bank, they were having trouble finalizing the appraisal on the home I was purchasing. I paid {$540.00} for the appraisal on XX/XX/2020. The lender, in the XX/XX/XXXX phone call and follow-up conversations said the third-party appraiser - hired by PNC Bank - made an error in their report and could not finalize said report. 

Our closing date was scheduled for XX/XX/2020. Because of this error - outside of my control - the closing was pushed back to XX/XX/2020. 

In the interest of timeliness, my wife and I agreed to sign a form waiving our right to receive the appraisal any sooner than 3 days prior to closing. The form indicated, however, we would receive the report before closing. We closed on the home yesterday and still - on XX/XX/2020 - do not have the appraisal report in hand. PNC Bank has refused to cooperate and send me a copy of the form I signed or the appraisal in a timely manner. 

As PNC 's errors regarding the appraisal have already cost me time, money, and frustration ; AND I still have not received a report I paid for within a timely manner as agreed upon in writing - I am requesting a full refund of my costs paid to PNC Bank for the appraisal.
Product: Debt collection

SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC..
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, TransUnion and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested TransUnion to remove XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX 1XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of dispute particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transpancy is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

It is XXXX XXXX  morning and I have still not been paid my paycheck that is typically supposed to be deposited on XXXX. 

I switched my checking account to Capital One this week, and I was counting on my paycheck being in my account BY today, XXXX. It is still not there. 

XX/XX/year> - I reached out via the company 's customer support XXXX account. There was no clear commitment to a timeline or resources for those affected. The message was " wait and see. ''