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

Found an account my credit report that is inaccurate and misapplied. 

I am writing to report and dispute a fraudulent account that has appeared on the credit report associated with my Employer XXXX XXXX ( XXXX ). As per the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-1 ( a ) and 1681i ( a ) ( 1 ) ( A ), I demand the immediate investigation and removal of this account. This account was not opened by me or any authorized representative of my business. It does not correspond to any legitimate business transactions or credit applications associated with this XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 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 transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I have an Apple Card by Goldman Sachs ( Credit Card ) with a USURY APR of 21.99 %. I was in a chat session, first with a customer service representative and then with that persons ' manager, who both refused to even take my request to lower that APR into consideration, by referencing what they referred to as the SCRA, which according to them both, only allows for SELECTED members of the military, the sole and exclusive opportunity, to have their APR 's lowered. 

This is of course discriminatory and illegal and against the FAIR LENDING ACT, hence my submittal of this complaint to the CFPB. 

Please find attached, screen shots of the chat interaction I have referenced above, that further details my afore-here summation of my complaint. 

Please let me know what further you need from me.
Product: Student loan

I made a request for refund of payments made during the pandemic due to personal financial need. The request was made on XX/XX/26. I was originally told I've have a refund 30-60 from when I made the request. 

The complicating factor is that I'm requesting refunds for payments made to a previous servicer. Of which have all payment records for. 

I've called recently a few times asking for an update and have received contradictory and/or misleading information. They say I need to wait another 90 days. And it's not clear to me what the hold up is - one rep mentioned the XXXX XXXX XXXX on a different call they said it was the department of treasury, on another call they mentioned it was delayed due to needing to get information from the previous servicer, and another rep said it's sitting in the mohela account department. 

I've attempted to resolve this ( mainly just need realistic expectations for when the refund will be issued -- also CARES act probably didn't expect student servicers 3 months to process a simple request ) wait times to speak to a representative are 1+ hours. When asking to speak with a supervisor or anyone else who might know more information I've been sent to their end of call survey ( this happened 2x times )
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

During Covid I was late on a few payments and I called the companies XXXX XXXX XXXX and XXXX XXXX XXXX and Sheffiled and told them that we were going to be late due to the shut downs for covid. they still reported late even when I gave them the articles from the House of Representatives stating that no late payments can be reported on the credit reports during covid, Per the President of the USA
Product: Credit card or prepaid card

I need a few statements from XXXX and XXXX from my Chase Credit Card. I have been a card holder in good standing for 20 years. I received the docuemnts from XXXX I needed. When I called back to get the XXXX and XXXX documents all of the staff told me they can not help me even though I got XXXX documents. I have uploaded the XXXX documents they sent me with the request for the XXXX and XXXX documents I need but no one will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax time and time again asking them to assist me with being able to obtain an answer as to why I don't have a credit score with them, and the last time I had one was XX/XX/2018. They have repeatedly put me through a process having me mail in identification information, and when they have received the information, they mail a copy of my credit report, and put me through the same process all over again when I call. I need them to start allowing accounts to post to my credit and I also need equifax to update and generate a score for me as soon as possible. I have tried everything.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

OFFICE OF THE ATTY GEN 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 disputed accuracy of information on my credit report regarding the XXXX XXXX XXXX   with experian. I had an old debt that I paid after the company charged the debt off and sold it to a debt buyer. 

Instead of correcting the data on my report experian updated it with more inaccurate information. 

The account should report. Paid. Instead they updated my account to current status charged off as of XXXX XXXX.the account has been paid now for years. Experian did not investigate or they would have seen the only collection agency on my report is from this account and it was paid with a XXXX dollar balance. Reporting multiple CO in my payment history is damaging my credit history and it is inaccurate. I want to sue.
Product: Checking or savings account

I've had my debit card frozen on multiple occasions since opening my checking account. I have also had to pay many overdraft fees on my account.
Product: Bank account or service

Bank of America fraudulently charged me {$380.00} in fees XX/XX/XXXX on a closed account. 
Was not able to open bank account elsewhere until paying bofa the fraudulent amount they extorted from me. Today, XX/XX/XXXX they refuse to refund $ XXXX monthly maintenance fee and despite XXXX calls today, XXXX rep at XXXX XXXX cst put me on a XXXX minute hold returning to call refusing to let me speak to supervisor. On XXXX call asked for supervisor told all were too busy to talk to me but would call me back. Between jobs, need my money & need this extortionist bank to stop robbing and extorting from the American people like me
Product: Debt collection

MEDCAH, Inc. contacted me and told me that I owe to XXXX XXXX XXXX XXXX XXXX  DMV as of XX/XX/23 of {$430.00}. I believe this amount is the cost of my car registration. 

However, on XXXX  I went to the XXXX XXXX XXXX XXXX  and renewed my car registration. 

This should not have been sent to the debt collector, it caused my XXXX XXXX to rise unnecessary, I would like to complain about this debt collector company.
Product: Mortgage

Mr. Cooper is the Mortgage Company that is currently holding XXXX as unapplied funds for my XXXX payment. My XXXX payment is XXXX. They keep on sending me unapplied funds letter with only XXXX of unapplied funds. Problem is they are holding more. I have attempted to call, to speak with my Mortgage agent, but can't get ahold of them and can't leave a voicemail. I have used their chat function, and I have sent an email with no response. 

They will not apply the funds to the payment for XXXX, but they are just holding the funds and no one will answer my calls or emails or chats with any information or provide me with the correct information. 

I have paid my XXXX mortgage and they will not apply the payments to my account for no reason that makes sense. 

I am including payment activity from Mr. Cooper and snap shoots from my bank with the payment information. I am also including the payment screen. The amount due of XXXX is for XXXX, which i have until XX/XX/2022 to make the payment ( as per the loan agreement ). My account isn't past due. I just want my payments to be reflected and not held somewhere indefinitely and for the wrong amount. 

I just want my payment to be applied to my account.
Product: Credit reporting or other personal consumer reports

Ive reached to each companies letting them know each account Im credit reports are fraud with a police report and also ftc and they wont remove it. 
XXXX XXXX credit card Account number : XXXX Amount : XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Amount : XXXX XXXX police department : Approved by XXXX XXXX Report number-XXXX  Each account has been investigated by the XXXX police department and declared as fraud
Product: Vehicle loan or lease

Per the Indiana XXXX website the lien holder listed for my XXXX XXXX XXXX  is BMO Harris Bank. I called BMO Harriss auto loan division to request a release for the title on XX/XX/XXXX. I requested the release electronically and was told I would receive it right away. I called back on the following Monday and was given no information about the status of my request for release, just that an additional release could be submitted and that it would be 4 business days. I called back on Friday ( XXXX XXXX and was given no information again from the first representative I spoke with, just that another release could be placed and it would take 12 business day. I asked if there was anyone else I could speak with that may have more information on the request or could help me expedite things as this is a time sensitive manner. I was not given any other options on transfer, no explanation, and no further help. The only response I received was Thats just the way it is and then the representative stopped responding to me at all. It was the worst customer service I had ever received. I hung up and called back to BMO Harris is hopes I would get more help from another representative, my second representative was able to see the status of my request, that it was unable to be processed and I was given a number to call with no further information. This number led me to XXXX XXXX, after speaking with multiple representatives they could not find any account or information about me. I was told by XXXX to reach out to the FDIC and then referred here by the FDIC. As of writing this I have still received nothing from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1200.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account to which the business failed to provide adequate proof and have yet to respond. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit card

I signed up through a link on their website for the XXXX XXXX credit card with a XXXX point Promotion after spending {$2000.00} and paying it off in the first 90 days. I did sign up through this link and spent more than XXXX and paid it off in the first 60 days. After which I was only awarded XXXX points and when I called and asked them they said it was because that's what I had signed up for. I said I had never seen any Promotion that said XXXX points and I couldn't find it anywhere on the website and neither could they of their own admission. After calling them they said there was nothing they could do. This is deceptive since neither I or they could even find a public link to where that promtion was on their website. I would have never signed up for the CC and put all those purchases on their card if this was what I thought I would get. I would have gone with a different card for sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to take something off my credit report everything is paid off
Product: Bank account or service

I had my directexpress card stolen and reported it within XXXX hour and closed it. I made a police report that same day then found out were it was stolen. I went to the minimart and talked to the manager and watched the tape of some woman stilling it..I then made several calls to the bank to resolve the issue. XXXX month later I finally received there form and sent it back. Two weeks ago I received a letter from them stating that they could not confirm that fraud occurred.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to follow up on the dispute regarding the accuracy of my credit reports, as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). As mandated by the FCRA, it is the responsibility of credit reporting agencies to ensure the accuracy and timeliness of information reflected in credit reports. I am urgently requesting a thorough investigation into the following accounts to rectify any inaccuracies within my credit reports. I kindly ask that the necessary updates be made promptly, ensuring the accuracy of my credit reports within the upcoming 15 days of the scheduled credit report update : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter explaining that XXXX is reporting that I have an alleged collection account for XXXX XXXX XXXX that is OPEN and with a past due balance of {$960.00}. This is a FCRA violation of requisite XXXX compliant standards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me. And provide me with the documents with the original signatures.
Product: Credit reporting or other personal consumer reports

1. 
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out 15 USC 6802 ( b ).
Product: Checking or savings account

I lost all of my information and when I tried to access my Cash App account, I couldnt because I had forgot my password to my XXXX  so I couldnt upload the account to my new Phone cash app refused to assess me money to my account. They said it was a security issue. Its been over a XXXX. ill ask can I submit my ID they said theres nothing more that they could do about the matter and that my money would just sit there and I cant use it they wouldnt even close the account all they said was its a security issue theres nothing more they can do at this time I figure if my ID cant state who that I am then what else am I to do when they wont access me to my account they wont let me I dont know what else to do to get to my money XXXX cant access the account because I forget my password to my XXXX in order for me to put the new Cash App on my phone. They will send me a code to my email but I forget my password to my email so I had to create another email I also create another Cash App account. They said they will need the cows but they say its a XXXX security issue and they couldnt do it so I cant access my money XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 

XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX XXXX to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Debt collection

I get several calls a day from Comenity Bank. When I answer they hang up. When I screen the call, they hang up. No messages are left.
Product: Credit reporting or other personal consumer reports

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3 Additionally, please provide written confirmation with who completed the investigation and what verification method was used to verify accounts.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$69.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX