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

Pubic record XXXX  XXXX bankruptcy ref # XXXX Ive disputed this for a while now with experian more than a year always comes back verified and certified by issuer but wont provide who get info from or certified it the only place that can report a accurate reporting of bankruptcy is XXXX  courts only report to XXXX  they cant verify any other way XXXX, XXXX XXXX have already removed based on there investigation and my documents also if a account is verified and stays on report its required to be marked disputed by consumer there a several violations of the fcra here are a couple 1. Sec 1692 E 8 acuity will be marked as disputed 2 15 usc 1681 section 604 A states I have the right to privacy 3. 15 usc 1681 section 604 A sec 2 also states a consumer reporting agency can not furnish a account with out written permission The documents upload shows XXXX  accurate accounting of bankruptcy filed with XXXX  different spelling of my name vs case filed different places ect I fave filed a identical theft report along with a fraud report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Constantly allowed my account to be overdrafted to charge me fees even though I turned off overdraft protection
Product: Mortgage

I sent one check that contained my regular mortgage payment as well as a considerable amount for additional principle. XXXX/Nationstar Mortgage cashed the check and only applied the regular mortgage amount to my mortgage and no additional principle. Call to their customer service department have met with negative results. I have sent them emails with my cancelled check and have had no response from them. I would like my {$30000.00} back. The company in question is XXXX/ Nationstar Mortgage LLC XXXX XXXX XXXX XXXX, XXXX , Texas XXXX XXXX XXXX
Product: Credit card

My name is XXXX XXXX and I paid a retainer fee for XXXX XXXX to the XXXX Law Firm. The money was paid to XXXX XXXX in the amount of {$3700.00} via a citi bank credit card. I told her that when the retainer was depleted to give me a call. The court documents show that XXXX XXXX XXXX 's Attorney requested payment from her husband to pay her attorney fees after the divorce ) I never gave XXXX permission to charge my credit card for {$12000.00} I am attaching a letter from her law firm asking XXXX to pay for the attorney fee. I did not authorize this payment nor would I have agreed to it. I just helped to get it started. This is fraud and I am contacting the police in XXXX Mississippi. I contacted my credit card company and reported this fraudulent charge. I want others to know that this Law Firm is fraudulent and XXXX XXXX knows that I did not authorize her to charge my card this amount. In her letter to XXXX, I actually paid a retainer of XXXX dollars and not XXXX dollars which is not correct. I have my credit card statement to prove this. Thanks for any help possible. 

Dear XXXX : For services rendered and expenses incurred in furtherance of the above-mentioned matter, kindly be advised of my firm 's latest bill. The dates of service are from XX/XX/XXXXXXXX  through XX/XX/XXXX. 
The current bill is {$13000.00}. This balance reflects charges for a total of XXXX hours spent on your divorce as specified in the attached time sheet ( courtesy reductions noted ). Your contracted billable rate is {$250.00} per hour. Billable time totals {$13000.00} in attorney fees. There are no litigation expenses currently due. The balance of your initial retainer being {$2500.00} has been credited to your account for this period. This leaves an outstanding balance of {$11000.00}. 
The bill is due and payable as of today 's date. If you would like me to charge the card previously provided for your initial retainer fees, please let me know. Otherwise, kindly provide my office with your means of payment either via email or you may call the office to arrange payment. If you have any questions, please feel free to contact me at the office.

It is my pleasure to have you as a client and I appreciate your business. 
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / XXXX XXXX Mississippi XXXX / Tel : ( XXXX ) XXXX / Fax : ( XXXX ) XXXX Web : XXXX / Email : XXXX XXXX
Product: Credit card or prepaid card

Bank closed account without notice, I contacted the bank and they said they will send out a notice up to now I have not received anything. I am a XXXX, and used the credit card to sustain our needs when I was in school. I have not made any late payments on the account. I also have a personal and auto loan with them showing prove of my responsibility of paying my bills on time. I do not think it is fair they are doing this to me. I contact them and they told me their decision was made due to credit reports. Now I called credit reports and they are telling me they did not sendany delinquent information. I believe they should take in consideration other factors and come up with an explanation to what they are doing to me, I will be affected. I have been responsible and trying to maintain a good credit report their decision was made without notification and as of today with no explanation at all.
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION.

15 USC 16819 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting or other personal consumer reports

XXXX will not remove XXXX inquiries off my credit report, I've removed my fraud alerts so I can establish credit, but they will not respond to remove XXXX inquiries off my account, please forward complaints to corporate office and XXXX, alone with XXXX XXXX  and the attorney general office of there state, complaints filed to fcra
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off XXXX  XXXX XXXX {$5300.00} XXXX  XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX  XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$5900.00} XXXX  XXXX XX/XX/XXXX {$2900.00} XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX XXXXXXXX XX/XX/XXXX {$4700.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXXXXXX XX/XX/XXXX {$6500.00} XXXX  XXXX XX/XX/XXXX {$7600.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$10000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer XXXX XXXX XXXX Employer XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Addresses XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX My Correct address is XXXX XXXX XXXX XXXX   XXXX, XXXX ( please see attached identification ) Please remove incorrect employment information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these authorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX-
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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: 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 resolutions 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

On XX/XX/22 XXXX $ Was taken out of my account in XXXX XXXX XXXX I dont know when it happened because usually when I withdraw over XXXX from Wells Fargo ATM they would send me a text to confirm it was me every time but this time they didnt send me one so I notice when I wake up the next day on my mobile app then called them immediately they said they would resolve it within 10 days I received a letter on XX/XX/22 saying that they found the transaction was made by me or someone with my permission and that the claimed is closed
Product: Money transfer, virtual currency, or money service

I paid my Apple Card/Goldman Sachs bill on time from a joint XXXX account XXXX My husband and I have different last names. The check was received by Goldman Sachs before the due date, and Goldman Sachs sent confirmation to XXXX that it had been received. On XX/XX/XXXX, I received a notice that my Apple Card bill hadn't been paid. It was due on XX/XX/XXXX. I called and opened a complaint case. I was told they would respond within XXXX business days. The day after I filed the complaint, my husband noticed that his Apple Card account had been credited with the exact same amount that I had paid. It seemed clear to us that Goldman Sachs had applied my payment to my husband 's account, even though my name and last 6 digits of my account number were listed on the check. I called Goldman Sachs support to let them know. I have made at least 3 calls since then to get a status of the case. At one point, a Goldman Sachs advocate called me. I still have not received any resolution after 40+ business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX 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.
Product: Credit card or prepaid card

The Home Depot/Citibank card company is refusing to credit {$500.00} to me after I have completed the dispute process and has notified Home Depot corporation that they refuse to discuss the matter. 
A person, without my authorization purchased tools on my HomeDepot card. The card was reported as missing, cancelled the day after and though this person was not an authorized user, the company refuses to not only credit my account but they refuse to provide a copy of the reciept or video of the thief so I can pursue criminal charges. 
This originally occured on or about XX/XX/2022 and the dispute has been ongoing since that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? when was last activity of the acount? 
Why is it not reporting accurately across all bureaus? Statue of limitations? Not my account Please update and remove and suppress this innacurate account 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX  Original Balance {$210.00} Current Balance {$330.00} Responsibility Individual Status Collection account Comments Placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

i had two accounts with two different act numbers I paid them but they used one account to take all the payments that acct number was XXXX for {$580.00} and they did not apply the {$1000.00} to the account number XXXX so when transunion and XXXX calls on investigating this there using the account number thats on all the receipts thats for the {$580.00} and its of course showing paid in full this is why i am still showing a open collections for {$1000.00} so i am wondering where did they put my money? was the error found? if i had overpaid {$1000.00} on the {$580.00} acct why would n't I 've received a refund? on my transition credit report is shows two different account numbers but obviously there clerk applied ALL my {$1600.00} to one act that was only {$580.00} and worse problem is they told me they ONLY report once a month and this could not and would NOT be corrected if needed until mid XXXX, thats wrong, when it is there Error they should manually fix it to all 3 credit bureaus ASAP this is causing so much problems while I 'm in escrow
Product: Vehicle loan or lease

XXXX  purchase Car which Honor Finance Issued Loan..Car Lot Sold A  Lemon  Car had Varies Issues   XXXX   months Into The Loan. Which Most Time Car Payments was Use to repair Car To keep a Job and Pay Car Note..car started Having Transmission Issues notified Lender I needed repairs done note could n't get paid Costly Repairs.Voluntary surrendered The car.   honor Fiance promise to put Late payments on back in of The  Loans..have  XXXX  l ates on My  XXXX ,  XXXX    XXXX    Reports  XXXX
Product: Mortgage

i am really trying to save my home i have called and asked for a loan modification and a loan modification package ... ... .. this company has given me the run around and i am afraid they are trying to take my home by pretending to provide me with help that they do not intend on giving me ... ... ... this company has been hard to work with
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion are reporting incorrect information on my credit report. The credit bureaus are not sending me any verification of any of these debts belonging to me. I recently just disputed these items listed below, and asked for proof of these accounts belonging to me but have not received any verification of me having any contract with any of these creditors. 

XXXX  XXXX XXXX XXXX- {$1500.00} XXXX XXXX/XXXX XXXX- {$1100.00} XXXX/XXXX XXXX XXXX- {$0.00} XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- type debt buyer XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX
Product: Debt collection

Starting back at the middle of XXXX I missed my payment with TD Bank due to medical reasons. I kept receiving phone calls from XXXX. When I spoke to the person who answered the phone I did explain to them it was going to be late. I asked if they could please stop calling because even after speaking to someone I still get 3+ calls in the same day. I was told no, as long as I am a month behind and in " their collections '' I will continue to receive phone calls everyday. 

I did tell them I would be making a payment when I could and that at the moment due to XXXX  and other medical obligations that I was not able to do so. Moments ago I received another phone call again. The representative I spoke to said there are no notes in my account and that they have never spoken to me. My phone bill shows a different completely story, and I told them to pull all the calls and listen. She said they don't do that. Harassment from a bank right now is adding massive stress to me and something I don't want to be pestered about multiple times a day. 

I have asked for supervisors or managers and I am always told there are no management types in the building. Last night on the way home from XXXX, I received a phone call at XXXX from them. When I told them I would be filing complaints nobody seems to care.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on Complaint Regarding XXXX Dear CFPB Representative, I am writing to follow up on my recent Complaint # XXXX regarding XXXX and the companies XXXX in its acquisition. Bayview Asset Management, one of the buyers of XXXX assets, has responded by stating they are not the appropriate company to address my concerns. This response is concerning, as it appears inconsistent with publicly available information about their role in the purchase of XXXX portfolio.
Product: Mortgage

My XX/XX/XXXX mortgage payment was returned to me. My mortgage lender, XXXX XXXX, had switched servicing companies from Loan Care to XXXX XXXX but had failed to inform me of the new loan account number via mail. I was told by the XXXX XXXX customer service rep to change the account number and resend the payment. I told them I would send it electronically through my bank 's bill pay system as always since I was close to the overdue date and they did not object. I made the change to my bill-pay account on my bank website and resent the payment again. That payment was delivered on XXXX XXXX and confirmed delivered by my bank. XXXX XXXX contacted me saying I had not sent the payment in, claiming to have no record of it. They also informed me at that time that they do not accept electronic payments. I called the bank, XXXX XXXX XXXX, and they told me that the payment went to Loan Care with the new loan account number since that was the original setup for that bill pay account. Instead of returning that payment as they did the first time, Loan Care accepted the payment. I called XXXX XXXX XXXX for help and they called Loan Care directly, conferencing me into the call. The Loan Care representative claimed they had no record of the payment and were not the least bit courteous or helpful. Now XXXX XXXX is threatening my credit rating ( which is over XXXX ) if I do n't make the XX/XX/XXXX payment, even though they are directly responsible for the errors and I have done nothing but make repeated attempts to pay my mortgage as I have always done. 

Reviewing multiple websites I see that Loan Care is widely involved in these types of issues and my fear is that the longer this is dragged out the less likely it is that I will ever see my missing mortgage payment again. This is money I can ill afford to lose!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months, I have been in constant contact with XXXX with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military deployment orders, however, these oulstanding accounts still exists. These accounts include XXXX ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, ) XXXX XXXX ( {$130000.00} ) XXXX XXXX XXXX ( {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX  ( {$17000.00} ), Discover ( {$16000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called them regarding my accounts being created on my name using my information and they have told me to report it on FTC doc and file a police report which I have done
Product: Credit reporting or other personal consumer reports

In 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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.