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

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit card or prepaid card

I took my car to be repaired at XXXX XXXX XXXX Im XXXX, WA. Payment arrangements were discussed and I completed a prequalification for easy pay financial arrangements with zero interest for 6 months. I did not apply or sign my name to any kind of a credit application. When the employee could not get authorization on my checking account number, he apparently applied for a Synchrony credit card to pay for car repairs without my permission. He denied that it was a credit card and insisted it was an easy pay with zero interest card, as discussed. He also insisted that the easy pay arrangement would not affect my credit score and was not a hard inquiry or an actual credit card. I discovered later that day that I had a hard inquiry on my credit report and a new account, based on a credit application that HE submitted e/o my permission. The employee admitted fault and gave me a phone number to call synchrony bank to close down the account, and report a fraud claim, which I did. An employee of XXXX essentially opened an account in my name without any authorization from me, nor did I sign anything or agree to any credit terms whatsoever.
Product: Payday loan, title loan, or personal loan

I Am a federally protected consumer, natural person and not affiliated with a third party. After sending a Equal Credit Opportunity Act letter XX/XX/XXXX making navy federal aware of the discrimination violation I am pursuing. Making note that banks are borrowers who issue bonds and debentures 12 USC 1431. No lawful money has ever been deposited from navy federal to XXXX XXXX yet Navy Federal denies credit to the the person that extended credit. Upon social account number and my signature pen on that application navy federal used that promissory note/ negotiable instruments for gain and provide nothing in return. I sent two letters specifically addressing my rights under commerce and trade 15 USC 1691a ( 3 ) Scope of Prohibition it shall be unlawful for any creditor to discriminate against ANY applicant
Product: Money transfer, virtual currency, or money service

two checks were stolen from our mail box in XX/XX/XXXX that were sent to my husband and I from a temporary employer ( XXXX XXXX  XXXX XXXX ) and cashed at XXXX XXXX XXXX  with a fraudulent signature. We contacted XXXX  XXXX via Cfpb complaint and they responded saying " After review, we confirmed that your employer will need to work with their bank to resolve this matter. XXXX XXXX will need to receive a Without Entry Affidavit from the issuing bank to return the funds. '' Our employee banks with Wells Fargo and they have been unwilling to provide us the appropriate documentation that XXXX XXXX is asked for so that we can be paid our wages. 

All I'm asking is that Wells Fargo complete the Affidavit and send to XXXX XXXX so we can be done with this.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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: Credit reporting or other personal consumer reports

I do not recognize the following addresses, and I want to have them removed from my report. Thank you. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is now the servicer of my first and second mortgage thats was transferred from Statebridge effective XX/XX/year>. They continuously call and attempt to collect payment for my 2nd mortgage prior to the due date. The due date is the 16th of the month with a 15 day grace period. They have it set up as due the 1st of the month. The bills they send reflect the incorrect due date and they have rejected my attempts to set up an ACH because it would be outside of the incorrect due date they set up. They repeatedly call as if they are not aware of the problem in an effort to 1. Collect Money not yet owed and 2. To set up an ACH in line with an incorrect due date. Even though notes on my account are extensive and a research request is in place they continue to harass me with phone calls.
Product: Credit reporting or other personal consumer reports

XXXX ) Payment made to flagstar same month did not apply to Roundpoint mortgage. ACH to return payment took more than 30 days until XXXX investigated payment had cleared on bank account. This caused a delay on payment for Roundpoint for XXXX and cascaded it to XXXX and XXXX. 
XXXX ) Service transfer letter was not received by me via email nor snail mail address to notify me of new mortgage. New address in a different state was not updated by current holding mortgage ( XXXX ). 
XXXX ) Confusion caused by the sell of XXXX out of the XXXX loans closed the same exact day with almost similar property addresses, payment amounts and balances, were on the website for XXXX and XXXX. This created a sequence of incorrect payments sent for the same month to both mortgages and funds were held without allocating correct payments to the mortgages and dates required. 
XXXX ) Please find attached documents reflecting XXXX payments made to flagstar for same month and ACH return request. 

Please recall the 30 day late report for XX/XX/year> and XX/XX/year> reflecting on my credit as this late payment was uncontrollable by me due to the lack of notification of service transfers and failure to return double payment made to flagstar which was intended to be transferred to Roundpoint.
Product: Credit reporting or other personal consumer reports

I Demad a removal of inquires that was not made by me I have recently applied for a credit card and was denied because of inquiries please remove with 5 business days thank you 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 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 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 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 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 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 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 XXXXXX/XX/XXXX XXXX SECTION 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) of the United States Code states that a credit reporting agency may only furnish a consumer report under specific permissible purposes. These inquiries were made without my consent and are in violation of this statute
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a complaint twice with Equifax that my date of birth and variation on social security number were incorrect. They have not corrected it and have not been helpful towards resolving the issue. 

There is a consumer statement posted on XXXX of last year in my credit report which also repeats this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint here bc I had been working to have Equifax, XXXX and XXXX  correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX  has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and Equifax have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.
Product: Payday loan, title loan, or personal loan

I was contacted by a collection attorney claiming that I took out a loan with a company ( XXXX XXXX ). I did not initiate this loan. I have not seen any documents with my signature or proof that I accepted the loan. Now the collection attorney is trying to garnish my wages to pay for this loan.
Product: Bank account or service

Well Fargo is charging me XXXX in just overdraft fees. Why does a billion dollar company which continuously denied my transactions think they deserve to collect money for denied transactions
Product: Money transfer, virtual currency, or money service

I would like to write to formally express my concern regarding XXXX XXXX  handling of disputes, specifically 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 not feasible. The XXXX XXXX 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. The lack of accountability and transparency is unacceptable and raises serious doubts about consumer safety,
Product: Credit reporting or other personal consumer reports

A Company by the name of Zions Debt Holdings is claiming I owe them money from a XXXX XXXX account collection that I have never in my life had. XXXX a couple years ago posted this same false information to the credit bureaus which hurt my credit in which I disputed it with them and the credit bureaus to have it removed as it was not ever purchased by me. They did remove it as it was an error and now a couple years later this Zions Debt Holdings is claiming that they bought the debt and trying to collect money from me. Again, I've never had XXXX XXXX and this contract that Zions Debt Holdings has was done so in identity theft and doesn't belong to me. I've had XXXX XXXXXXXX XXXX  my home since moving in and that is and has always been in good standings. I ask that this collections account be removed from my credit report and fully cleared from my name as someone clearly used my name and address to get a contract for security only to cancel it shortly there after. Thanks much.
Product: Debt collection

Convergent Outsourcing is reporting a collection account on my credit reports that I am not familiar with. I have tried to reach out to them via mail to see where this account came from and all documents associated with this account and was ignore. I have never received any documents from them or any type of communication regarding this account. Here is the tracking to prove they received my dispute, XXXX XXXX XXXX XXXX XXXX. I took it upon myself to look up some of the credit laws and saw that it is illegal to ignore a consumers request to dispute an account on their reports. I am demanding that this account is deleted as they are a consumer reporting agency but are violating the consumers laws.
Product: Debt collection

This complaint is against the company  " JH Portfolio Debt ''.      Currently, they are reporting that I owe them a total of {$430.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. They constantly call to harass me and my family demanding payment but I have no knowledge of why they even want this money from me. They have not provided me with any supporting documents to back up their claims.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, this is the account numbe r I fo und from a recent report : "  XXXX  ''. My report indicates that the account has an " open date '' of  XXXX    XXXX  .
Product: Vehicle loan or lease

On XX/XX/XXXX, we purchased a used vehicle from CarMax with an auto loan for {$19000.00} at an APR of 19.39 %. However, we decided to return the vehicle within the XXXX return policy, and CarMax accepted the return on XX/XX/XXXX. 

On XX/XX/XXXX, we discovered that the auto loan is still being reported on all three major credit bureaus ( XXXX, XXXX, and XXXX ), despite the vehicle being returned more than XXXX months ago. Additionally, the account was reported as over 30 days late, which has negatively impacted my XXXX XXXX. 

We contacted CarMax Auto Finance to request correction of this error and compensation for the financial impact, as this incorrect reporting has prevented us from refinancing another auto loan. However, CarMax refused to provide any compensation and only stated that the credit bureaus may take up to 60 days to process the correction. 

This error, caused by XXXX failure to report the return in a timely manner, has directly resulted in financial harm by delaying our ability to refinance at a lower interest rate. As a result, we are being forced to pay a higher interest rate on our current auto loan until the dispute is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Debt collection

Consumer Collection Services XXXX XXXX XXXX, XXXX, MA XXXX M-F : XXXX - XXXX, Sat : XXXX - XXXX ET XXXX / XXXX + multiple other phone numbers CALL CENTER SUPPORT : XXXX XXXX : XXXX A. ( I 've withheld the name of the debtor ) These people WILL NOT STOP calling me. I have told them repeatedly that I am not the person they are looking for, I do not know him, I have never met him. He does n't live in my home & he does not own the rights to this phone number. 

They are making my life miserable with the non-stop calling. I have reported them to the DO NOT CALL LIST & FTC.gov. 

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

XX/XX/22 i got alert from XXXX  saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account Credence Resource Mana knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer
Product: Credit reporting or other personal consumer reports

This serves as my final communication to your non-compliant company before taking legal action against all involved parties. It's important to note that making threats of legal action without actual intent to follow through is unlawful. Rest assured, I fully intend to pursue legal recourse to safeguard my consumer rights. 

I have previously sent numerous letters to your company requesting an investigation into several inquiries that I believe are inaccurately reported. Ignoring my requests constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which I will not tolerate. Should you prefer to resolve this matter directly rather than facing litigation, I will reiterate the inquiries in question for your review, as mandated by the FCRA. 
Despite my efforts to contact these companies independently, I have encountered significant obstacles. Many of the phone numbers provided on my credit report are incorrect, hindering my attempts to reach out. Furthermore, the companies I managed to contact have no record of me whatsoever. How, then, can they justify a permissible business purpose for pulling my credit if they have no record of my existence? Please investigate the following : XXXX XX/XX/year> and XXXX XX/XX/year>.
Product: Credit card or prepaid card

My credit cards were used to make expensive purchases using my name and established credit. I have disputed these charges with my creditor to no avail. 
The amounts are approximately $ XXXX. 
I am being held responsible for repayment of the charges which is creating a great hardship on me and Im not sure why my creditor allowed the amounts to go undetected to the extreme over my credit limit.
Product: Credit card or prepaid card

I try to get a normal life home, family get married and this does not allow me I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely,
Product: Debt or credit management

In XX/XX/2021 finance beyond finance consolidated company the call and they said they had settlement with XXXX XXXX XXXX from the of # XXXX the I own they got a settlement for the amount of {$6000.00} to pay in 18 month for a monthly payment of {$350.00}, I pay all the money and now a few days ago from XXXX XXXX XXXXXXXX says that they reinstall the account back because I didn't pay the settlement and that's not true because finance beyond withdrawals from my checking account twice a month XXXX. 
Now I don't know what to do. please help me with this situation. The answered the I get from beyond was that they have to pay themself first {$5400.00} from the {$6300.00} the I paid then.
Product: Debt collection

I mailed GLA a letter on XX/XX/2015 asking them to remove the comment " customer disputes this item '' I can not proceed with a mortgage with these XXXX collects saying this. On XX/XX/2015 a GLA person contacted me about paying the XXXX collections. 

I told her that I might have paid these collections through the XXXX dept XXXX. XXXX hospital sends my unpaid bills there most of the time. 

I have had XXXX about 10 years ago. I have to have bi-annual XXXX with them. Sometimes I just ca n't paythe amount I owe right away. 

I spoke to GLA today, XXXX about paying the XXXX collections and a lady tells me there are XXXX more collections I owe. That are being reported on my credit that I am not seeing? 

Is she kidding me? GLA never mentioned these XXXX other collections before? Is this a collection scam? She never offered my any proof of the bills/collections. Just said I had to pay them along with the XXXX I am aware of. 

So this is what they call scamming the elderly.