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

There was a collection for XXXX on my credit file that I have been fighting for some time. It is over 7 years old but kept going from collection company to collection company and always being re-aged as to when the companies picked up the account. The company that they are reporting now is, XXXX XXXX. XXXX and Experian report it one month then not the next. This thing is over 7 years old and no money is owed. I just received noticed from my credit monitoring site that they put it back on.
Product: Debt collection

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. In XXXX That was financed through Westlake Financial Service. I wanted to refinance the car due to the high interest rate Westlake Financial Services was charging to our bank XXXX XXXX in XX/XX/XXXX. Westlake Financial Services would not send the paperwork to XXXX XXXX and the refinance feel through. Do to Westlake Financial Services lack of concern and repeated threats to take the vehicle because I wanted to refinance, and they put XXXX XXXX, XXXX and XXXX payments on hold that caused damage to my credit, I instructed Westlake Financial Services to take possession of the vehicle in XXXX of XXXX. After the vehicle was taken by the company contracted to take possession of the vehicle, We saw the vehicle driving around XXXX, CA and later found the vehicle was being used to go and take possession of other vehicles by the repossession company. I contacted Westlake Financial Services XX/XX/XXXX to inform them of the situation and was told " That is not our problem, it is your problem because the vehicle will sell for less ''. 
I contacted Westlake Financial Services XX/XX/XXXX because I have not received a itemized bill of the alleged amount of $ XXXXWestlake Financial Services informed me that they don't have to send a itemized bill and that is the owed amount. I have tried disputing the alleged debt with Westlake Financial Services and to this date have not received a response. My right to debt validation is being ignored by Westlake Financial Services.
Product: Student loan

I had a Perkins loan through XXXX XXXX University that I was paying through the loan servicer, XXXX, along with some other student loans. I graduated in XXXX and began paying on these about 6 months after that. In XXXX, my loans from XXXX were transferred to a different servicer, XXXX, and I then continued paying them. 
Recently, I received a full credit report from XXXX  and was made aware that this Perkins loan was in default, dating back to XXXX when my loans were transferred from XXXX. After contacting XXXX XXXX University on XX/XX/XXXX about this I was made aware that this Perkins loan was actually transferred to a loan servicer, UNISA, and not to XXXX with my other loans. 
However I was never contacted by UNISA or XXXX XXXX to be made aware of this change in servicer. Therefore I had no information to make payments and I believed I had been paying this Perkins loan through XXXX along with my other loans that were previously with XXXX. Once I found out this information I immediately paid this Perkins loan off in full on XX/XX/XXXX so that it was no longer in default.
Product: Credit card or prepaid card

regarding our XXXX XXXX card, they asked for reimbursement information to ensure that the purchases met the IRS guidelinses for purchases. First, we wouldn't have been able to use the card at those locations because the BIN is only able to be used for approved medical costs, " Qualified Purchases ''. One of our Qualified Purchases is for an online medical visit, and the other is for a dental procedure. These should be obvious Qualified Purchases, without asking for receipts. Asking for receipts in these cases, where the spend and use should be brazenly obvious, is burdensome to the customer, and merely used as a method to withhold funds from being used by the customer. XXXX cards are funded by us, and ultimately we have the tax liability. So I'm really unsure why XXXX, UMB is giving us such a hard time. Perhaps they get some of the unused funds if they aren't used within the qualified timeframe? 
Notwithstanding the burdensome and deceptive practices, we provided the requested information to XXXX, which appears to have XXXX XXXX involved, and the XXXX card is issued by UMB Bank. 
After providing the information, we were met with a letter saying that our card has been suspended, and that we are no longer able to use it. Withholding funds means we can't pay our medical bills, and that subjects us to our credit being destroyed due to late and unpaid charges. We shouldn't have to chose between paying our medical bills and putting food on the table, when we have money in our XXXX, but it's being held captive unfairly by UMB and XXXX. 
Further, when we tried to call in to their customer service, there is no availability to access any customer service agent at all. We are only able to " speak '' to an electronic service that will provide us claims dates and information. Completely unhelpful. Not everyone has easy access to a computer, and this is a discriminatory practice. 
It has valuable funds, funded by our own dollars, and severely needed to pay for medical costs. XXXX and UMB should be ashamed of themselves for this kind of customer abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like Navy Federal to provide me with their policy for deferments which are offered to members who experience hardship allowing them three months of relief. In particular I would like Navy Federal to provide me with their policy on credit reporting in terms of deferments because I have 3 errors on my credit report for XXXX, XXXX, and XX/XX/2019 which are impacting my credit score. I was not provided with any documentation or notified how these policies would impact my credit reports with the bureaus.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, XXXX Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 ar 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 50 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: Money transfer, virtual currency, or money service

I am having an issue with worldremitXXXX  I provided my driver license and they still refuse to update my new number which is XXXX XXXX XXXX my old number was XXXX XXXX XXXX
Product: Debt collection

Subject : Immediate Removal from Consumer Credit Report Dear Absolute Resolutions Investments , LLC, I am filing this complaint via the Consumer Financial Protection Bureau ( CFPB ) to formally demand the immediate removal of the collection entry from my consumer credit report. There are significant unresolved issues that necessitate this action : 1. Discrepancy in Debt Amount : ARI reported a debt amount of {$1200.00}, which does not align with the {$1200.00} balance shown in my XXXX XXXX statements. This {$0.00} discrepancy suggests a reporting error and raises concerns about the accuracy of the debt. 

2. Compliance with Federal Regulations : The collection entry appears to violate : 12 CFR 1006.34 : Requiring accurate and complete disclosures related to debt validation and reporting.

15 USC 1692g ( b ) : Requiring validation of the debt before continuing collection activities.

15 USC 1681s-2 ( a ) : Ensuring accurate information is reported to credit agencies. 
Immediate Action Required : Due to these unresolved discrepancies and compliance issues, I insist that ARI remove the collection entry from my consumer credit report immediately. Failure to rectify these issues promptly constitutes a violation of my consumer rights. 

Conclusion : This dispute constitutes a legitimate request for removal based on unresolved discrepancies and non-compliance with federal regulations. I expect immediate action to address and correct these issues. 

Thank you for your prompt attention to this matter. 

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

I have disputed a bankruptcy that was inaccurately reporting on my credit report with XXXX XXXX. I received the attached letter from XXXX XXXX stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with XXXX XXXX and all three credit bureaus : XXXX, XXXX, TransUnion. I have reaching out to all agencies repeatedly after XXXX XXXX has notified me that it has been removed. It is now 30 days from the date of the letter from XXXX XXXX and the bankruptcy still has not been removed from my credit report. I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, XXXX XXXX, XXXX, XXXX, TransUnion delete this bankruptcy immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Debt collection

The negative remarks and inaccurate information have severely affected my credit standing, leading to a significant drop in my XXXX score. This has caused me considerable financial distress and hindered my ability to obtain credit. 

Please treat this matter with urgency and ensure these inaccurate items are thoroughly investigated, blocked, and removed from my credit report. I request written confirmation once the inaccurate information have been removed and my credit report has been updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union LLC is still reporting unauthorized inquiries that was placed on my consumer profile with out my written permission. XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX and a new inquiry was just placed XX/XX/XXXX XXXX. Its been over 60days of my trying to resolve this issue with TransUnion. Its on file with TransUnion that I was victim of my data being compromised. And TransUnion responses with a recent letter. Stating that my being a victim of identity theft. Does not apply to unauthorized hard inquiries that was placed on my trans union report. That was placed with out my written consent. I will be submitting TransUnions response letter to the states attorney office. And I did hire legal counsel regarding. The violations And laws trans union continuously. Continue to break and unfair credit reporting with disregard of the consumer non personal information. Who TransUnion never had the lawful authority to publish in the first place. With out my written consent
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX XXXX  # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Checking or savings account

From XXXX XXXX to XXXX XXXX, I used mobile deposite with USAA to deposit checks I did not know were fraudulant and part of a scam to pay scammers through third-party apps. I thought I was serving as a middle man for other small businesses like mine to help pay vendors for a wedding I had been booked to work next week ( already aware how XXXX all this sounds/is ). 

On XXXX XXXX, after the last check was deposited, being scammed became a hard reality when USAA put everything on hold and I realized any funds I did have, and then some, were completely gone and I was now in the negative. 

Now, after walking USAA through what happened, and the fact that none of those checks flagged as fraudulant on USAA 's end after I deposited them, they say I am now liable for paying them back {$10000.00} or more -- money I didn't have to begin with. I don't understand how checks I didn't know were fraudualnt now make me liable to pay back money I didn't know was bad to begin with, now that everything is gone. We've banked with USAA for years, but now because I'm a victim of a scam, USAA says I have 41 days to pay back all this money I didn't have to begin with or they close our accounts. 

There should be some sort of better mechanism in place by USAA to either have alerted me to the fraudulant checks or canceled the checks the minute they realized it was bad. Not a single alert was given on their end until the money was gone. I know I'm XXXX  on my part for falling victim to it, but this is not money I should have to pay back. Those responsible should have to pay it back, or the bank should have alerted me to the fraud and canceled the checks the moment they failed. These scammers hit right an extremely vulnerable time in my life, and I got played like a fiddle because of it. 

I have an open police investigation pending in this scam, but that also has no henderance on this situation.
Product: Checking or savings account

I used chime for my checking account on Thursday XX/XX/XXXX I received my check direct deposit from the company I work for chime has suspended my account and they have kept my whole paycheck for the past four days since XX/XX/XXXX I have not been able to buy food gas paid my bills my cell phone has been disconnected I cant pay my car payment my car insurance I cant do anything for my family because they said they close my account for noncompliance I gave them the original email that I wanted to use and I signed up with in XXXX since XXXX theyve been continuously getting my checks direct apposite no problem on Thursday, XX/XX/XXXX they froze my funds and they have refused to give me any money they said it was for noncompliance they asked me to send my license front and back theyve asked me to send a bill at my house in my name and asked me to send the last four of my social I have called them 8 Times and beg them for a resolution Ive sent all the information required of me two times every time I called and talk to an agent they can tell that my account is suspended my account is locked and they tell me that they visibly see the information that I sent in everything I was asked for but they wont unlock my account how do you XXXX to them Im hungry I have to get back to work I dont know what to do they tell me they see my information there they dont know why a member of supports not taking care of and unlocking my account I didnt do anything wrong I wasnt overdrawn they asked me to verify my identity every time I call and I always verify my identity I give them my name I give them the last four of my social I gave them the last transactions I was able to use on my debit card and they still will not release my funds I am financially suffering right now I cant buy my kids anything to eat I cant pay my bill that was just disconnected I cant have gas to get to work on Monday I cant do anything Ive talked to multiple agents eight different times when I call Ive even talk to a supervisor I was told on multiple occasions I would get a call back within two hours nobodys ever called me back I need them to unlock my debit card and release my funds I dont know what to do its morally wrong and inhumane to do that to a person when they can visibly see Im complying and sending all the information they sent me to text messages telling me that my email was XXXX and then they sent me another email telling me that my email was XXXX explain to them I sent them the information from the email address I signed up with and that should be on file they keep sending me these emails that they create and I cant access. Im going to include all the screenshots from 10 different emails back-and-forth with time where I have complied and I sent my information twice I originally sent it when they first asked me to on Friday to XXXX then I sent it again and forwarded all the information again
Product: Credit reporting or other personal consumer reports

Peace Unto You! 
All three consumer reporting agencies XXXX, XXXX, and Experian, as well any and all Consumer Reporting agencies know and unknown illegally reported to and shared directly & indirectly my consumer report. I did not consent to any persons to have access to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One charged Off my Venture credit card account after it was paid. How can a credit card be charged off if it's paid. This is fraudulent and discriminatory action towards my financial status. This account is paid. 
During the beginning of the pandemic I paid this card off while battling the Novel 19 covid virus. I will be false to seek legal assistance if this is not deleted from my credit profile on Transunion, Equifax and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX lawsuit highlight significant issues with the platform. Despite using Zelle numerous of times and reporting dispensaries my financial institutions and Zelle failed to investigate my claims adequately. XXXX informed that lost funds are impossible to track and infeasible. The XXXX findings indicate that Zelle has not only neglected to protect consumers but have allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Ive just obtained a copy of my credit report and noticed there to be errors. According to 15 US Code 1681b- Permissible purpose of consumer reports, I am entitled to an accurate credit report. Also, this is subject in response to the order of a court having jurisdiction to issue such an order, subpoena issued in connection with proceedings before a FEDERAL grand jury, or a subpoena issued in accordance with section XXXX of title 31 or section 3486 of title 18. 

CAPITAL ONE AUTO LOAN-ACCT # XXXX states I have 10 missed payments, and that I am ALSO currently late. THIS IS INACCURATE! This account stated it was originally charged off in XXXX, and now states it is 90-119 days late, also that it was closed on XX/XX/XXXX. This, again is inaccurate. Under the FCRA I am entitled to an accurate credit report, and I would like this account DELETED from my credit report as soon as possible.