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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

Informed that I owed a balance of {$790.00} for services from XXXX and XX/XX/XXXX at XXXX XXXX  XXXX. This bill has already been settled and paid it in full as of XX/XX/XXXX. Received a voicemail on XX/XX/XXXX stating that the account was delinquent and that the debt collector, CMRE Financial Services, was attempting to contact me to collect payment. I contacted them on XX/XX/XXXX regarding this debt, stating that the services from XXXX and XXXX had already been paid in full. Was upgraded to a supervisor who stated they would look into the account but that I needed to submit proof. Contacted the original company that I had paid the full amount to who stated that this debt had already been paid in full and should not have been pursued by the debt collection agency. Statements were supposedly sent out but I have been complaining since XXXX that I have not been receiving them to my mailing address, with several calls being made in XXXX regarding this matter as well. There was a bill from XX/XX/XXXX in the amount of {$2.00} dollars that has been combined with the debts from XX/XX/XXXX that I also had not been made aware of that is being asked for as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting act. The list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX has XXXX XXXX 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 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 imformation any other adverse item of imformation, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX Opened XX/XX/XXXX Open balance {$150.00} High credit is lower than balance, delete for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card

I had made a few purchases on XXXX with my Capital One credit cards. XXXX issued me a refund, confirmed it through chat and email, and then never issued my refund. I disputed the purchases through Capital One and they sent me Amazons response- which was just the invoice - and stated that I was responsible for the charges. 

Despite the mountain of evidence I sent that XXXX confirmed my refund, and Im not sure why theyre not issuing it, Capital One has deemed me responsible for the charges.
Product: Credit reporting or other personal consumer reports

Banks such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX etc are selling private information to third party users for financial gain and Im being physically, and mentally impacted and unable to live and provide for my family
Product: Mortgage

On XX/XX/19 when mortgage application process began I was strongly encouraged by XXXX XXXX, RocketMortgage, Quicken Loans to pursue FHA vs conventional loan to refinance my home due to current promotion that required no appraisal fee, cash from borrower at closing and my interest rate would be 3.3 %. On XXXX I received loan estimate stating my rate would be 3.49 % with {$790.00} appraisal fee rolled into my closing without explanation or other communication. I was unable to reach my loan officer as he was apparently on vacation for XX/XX/19 to XXXX. I thought well its the holidays maybe there has been some miscommunication. On XXXX I complained via message on message board about no information received by me regarding closing. On XXXX I received closing disclosure stating my closing costs had gone up approximately XXXX with near that amount required in cash from me prior to closing. This company which has mesmerized with sloth like efficiency and has completely misrepresented the offer I was accepting without communication or explanation. I reached out by phone today and was told XXXX XXXX would return my call regarding my concerns and have not been contacted. XXXX XXXX, Rocket Mortgage, and Quicken Loans have behaved with extremely poor customer service, business practices and without ethics.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. I ask that you Please remove these accounts from my report, they are hurting my ability to obtain credit. Their being reported by 3rd parties
Product: Debt collection

Dear FTC and CFPB, I am writing to file a complaint against CREDENCE RESOURCE MANAGE. I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). 

I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My auto loan is paid 3 months ahead but 2 months ago the bank decided to set up autopay without my permission. Took out a monthly payment from my account and couldn't refund me the payment back to my personal checking with a different bank. Yesterday they did the same thing but I didnt have money in the checking account so now I have a fee with them and my personal bank again, penfed doesnt want to refund me the fee from my personal bank checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts 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. 

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

Please see case XXXX feedback Status Feedback provided on XX/XX/2019 Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS I need your help.. I contacted XXXX XXXX XXXX and they told me that they cant give me any information. but now I got a letter that they issued me a triple seal judgement. please can you help me resolve this case. thanks in advance Sincerely XXXX XXXX XXXX. 

Thanks in advance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX and XXXX XXXX too many recent auto account delinquencies
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I XXXX my babysitter her money. I hit her name and XXXX her {$200.00}. A day later she tells me she never received the money. I checked my bank records and it shows her name, XXXX. After going crazy for a few minutes trying to figure out why she never received the babysitting money, I realize I had sent it to the wrong XXXX. Apparently I had another XXXX in my recipients without even knowing. I contacted Wells Fargo right away to try to reverse the transactions and they quickly informed me it was irreversible transaction. I explained the situation to Wells Fargo, that I contacted the wrong person I send the money too and they themselves did not get the money either if not she would have return it to me. I then got the documents from XXXX XXXX inventigation and now it claims the money was sent to another phone number listed in the token/account. XXXX and all these big banks are a total scam. Wells Fargo said they would try to get my money back but they did not do the proper investigation. I am a single mother of XXXX kids. I need those {$200.00}. My next step is to open a police report. I though Wells fargo was going to do more for its customers especially because I have been a loyal longtime customer but they did not care. {$200.00} might not be alot for XXXX but to me and my family it is a whole week of food and gas. Also I do not understand why they did not keep on trying to collect the money from XXXXXXXX XXXX because that is where the money got sent to apparently. I am very disappointed with Wells Fargo. If this is not resolve I will never bank with them again, close all my accounts, let my family and friend about what they did and not to use their services ever again. Alot of my family memeber have account and auto loans with them. They are willing to close their accounts because their looking at how they are handling my situation and does not that to happen to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SS : XXXX DOB : XX/XX/XXXXXXXX  I am filing this CFPB complaint requesting pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the Experian/ XXXX/ XXXX credit reporting agencies to 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. These fraudulent accounts, inaccurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries as well as a copy of consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize these accounts, collections and hard inquiries that are reported. This has resulted in mental anguish and pain. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 case # 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: Vehicle loan or lease

I got a loan from start auto finance they approved my loan. I paid my entire down payment including my first car note. I received my hard plates along with my registration. XXXX XXXX is hiding documents conspiring with the dealer. If you look at the reviews on XXXX and XXXX its the same story over and over. Shes stealing Money and now trying to steal mine. They have reported my loan to the credit bureau and its now on my credit. How is this possible if they didnt pay the loan? Shes committing bank fraud because they are saying Im in default when my contract is clear! I put XXXX down and also paid my first car note! Im not sure how the Feds have not investigated this company yet due to all the claims of fraud and document concealing but this is illegal. I demand my down payment back. How did they not pay the loan if I got all my plates, registration, reported to the credit brureus, and paid my car note. All the claims on XXXX and XXXX are not lying shes committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$23000.00}
Product: Money transfer, virtual currency, or money service

whenever I try to login into the app there's a black screen and I can't see what I have nor access the funds that I need to pay for bills and other personal things. This is the second time this has happened to me
Product: Credit reporting or other personal consumer reports

I have been disputing an alleged bankruptcy on my TransUnion credit report for over 90 days. Despite my repeated disputes, TransUnion has failed to respond or conduct a proper investigation into this matter. The bankruptcy in question has not been adequately verified as mine, yet it continues to be falsely reported on my credit file. This inaccurate reporting is not only damaging my credit but is also unlawfully preventing me from accessing credit opportunities. 

I have mailed the same forms of identification and address verification, along with my dispute letter, that I have uploaded through this portal. However, as indicated in the letter I received from them, they are incorrectly claiming that the letter was not sent by me and are questioning the validity of my identification. It is important to note that the forms of ID I provided are exactly the same as those required according to their own website.
Product: Checking or savings account

I was scammed on XXXX XXXX  on XX/XX/XXXX. I was attempting to purchase a washer and dryer and the seller called himself XXXX XXXX and he had a set for a good price. I told him via messenger that id take them and he said if i wanted them the only way he'd hold them for the 2 days till i could pick them up was if i sent a XXXX XXXX deposit to him as a down payment to hold them. So i did as he requested and 2 days later when i went to message him he had closed his account. He said he was engaged to a XXXX XXXX and the cashapp id showed XXXX XXXX which the guy told me was his son. He said they live in XXXX and ive found since then the guy and his so called wife keep making new profiles to sell the same appliance set. Ive reported this to XXXX but they dont care. Nothing unusual there! I went to my bank chime and disputed the charge. Chime denied my dispute within an hour or 2 even though their own written dispute directions clearly says a customer has 24hours to email supporting documents to assist in the decision making. Then after they declined mine so fast that then pushed me into having no chance of seeing my money anytime soon because after a declined dispute and resubmitting it they then have up to 45 days. They waited weeks and then still declined my dispute. This time i asked them to tell me how theyve come to this decision when i sent a ton of supporting documents that clearly showed i was a victim. They sent me a paragraph explanation as to how they decided. The issue is i read the paragraph at least 5 times and it dorsnt relate to my case at all. It talks about the seller being responsible for warranties and services. Well you must have actually gotten a product to need a service call or a warranty.. I then messaged them back and told them i dont see how this is related to my situation so plz explain. They refused to say more all they would say is well if you have new info to add then we will reexamine it but besides that is there anything else i can help you with... I filed a report on the theft with the FTC and in fact it was your website that told me chime should be honoring this dispute as a fraudulent transaction. So i just messaged them a snapshot of exactly what i read on this site which fits my situation to the tee. So i suppose we'll see what kind of XXXX they try to make up next i suppose...
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XXXX XXXX filing a complaint against Cash App ( Block, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

I opened 4 claims for 4 transactions of the same merchant, now im opening this claim ( ref XXXX ), because was denied without asking anything or requesting supporting documentation. The other claims the bank requested a document signed by me and also the receipt showing that the merchant must sent the items to my address. 

Attached goes the invoice from the store showing they must sent the purchase. 
the transaction was made face to face in store but they didnt have on stock like many stores as XXXX or XXXX they sent the goods to your home. So the reason " was made face to face '' is not a valid reason to close the claim.
Product: Payday loan, title loan, or personal loan

Applied for a line of credit from Comenity Capital Bank issued for XXXX XXXX ; first my credit score is higher then stated on the denial letter ( XX/XX/XXXX ). I check my report daily. My next door neighbor got approved through this same banking industry a few months ago and I was denied and we are almost equal on our credit reports. I know because I viewed her report with my own eyes before I applied for my line of credit. Even my salary is a bite higher then hers. I know because I am coworker ( XXXX XXXX XXXX ), she started XXXX, I started in XXXX. The only thing that is different is RACE. She is XXXX  and I am XXXX. 

I have paid of cars, credit cards, and other loans not posted on the Credit reports. Paid off one or two of them twice because the companies kept selling them off. I have been voting since the age of XXXX and I know people that don't vote or pay taxes credit score higher then mine. The scoring system is out dated and need to be revamped. For hard working citizens like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX at the end of XX/XX/2023due to a misapplied payment. They did resolve that issue. However, they then transferred me to a mortgage banker by the name of XXXX XXXX. He attempted to sell me on a new loan and I told him I was not interested multiple times. He then asked for my permission to pull credit. I told him that he absolutely did NOT have my permission because I was not interested in obtaining any type of loan. Today, XX/XX/23, I received a denial for a loan due to my credit. He pulled my credit without my permission and attempted to get a loan in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice a company called XXXX has been reporting on my credit report which is causing me a great amount of stress and has lowered my credit score tremendously. I did contact them send proof such as police report, ID and FTC report letting them know that these accounts are due to identity theft. I have not agreement with them or sign no contract with them to take out any loan. They emailed me the documents I requested and the date that is on there is XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NOW filed with your agency on the same issue since 2013 and recently again filed another complaint case # XXXX CFPB does NOT seem to know what they are doing. 

This complaint has been ongoing for over XXXX years and Wells Fargo is and has been fully aware of the issues as well as CFPB and yet you do NOTHING? delays wrong information still appearing on credit reports are still wrong so what are you doing?????????????????????? 

Lets NOT waste my time yours and the lying bank who tells me they have YOU AT CFPB by the hand and that is why is have done NOTHING XXXX XXXX