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

XXXX XXXX XXXX XXXX XXXX is reporting outdated and incorrect information to XXXX & Equifax Credit Bureaus. The date the account opened ( account original date of establishment ), the date account closed ( first date of delinquency ), the terms, and the balance is inaccurate. 
Account became delinquent in XX/XX/2013 without any further transaction activities. I notified listed company in XX/XX/2013 I was no longer a resident of said property were services was being rendered. The company did disconnect services ; however, unknown possessors of service 's address reinstalled utilities illegally. I have no responsibility for the fee balance imposed after notifying company of my departure from the premises. Per FCRA regulation, negative items must be removed, from credit reporting agency records, after seven years of first date of delinquency.
Product: Student loan

XXXX XXXX XXXX, I received a letter " Notice of Proposed Wage Garnishment, Due to Debt Owed to US Government '' dated XXXX XXXX. I was under the impression that I was on a deferment. As I read the letter, it stated that I could call Account Control Technology. I was then informed that Account Control Technology had my account since 2015. I advised that I was never advised that Account Control Technology was handling my account. I was under the impression that XXXX was handling my account. I advise Account Control Technology that I was never aware that they were handling my account and asked how could they garnish my wages if they never attempted to contact me. I advised that my address and phone number had not changed, I advised that this was a unfair and deceptive practice. I asked to escalate the call to a manger because I wanted to speak with a reasonable person. XXXX 's manager got on the phone and acted as she wanted to assist but disconnected the phone when I challenged her on the collection tactics. If I owe the amount specified, I would like to clear my debt.BUT IT IS NOT FAIR THAT ACCOUNT CONTROL TECHNOLOGY HELD MY ACCOUNT FOR 2 YEARS THEN TRY TO GARNISH MY WAGES. THIS IS VERY UNFAIR AND UNFORTUNATE. I SHOULD BE GIVEN THE SAME OPPORTUNITY AS OTHER TO MAKE PAYMENT ARRANGEMENTS. NOT BECAUSE A VENDOR HELD AN ACCOUNT AND NOW THAT IT IS AGED THEY ARE TRYING TO ENFORCEGARNISHMENT. I can not afford to pay 15 % of my income as stated on the garnishment. I can pay at the most {$25.00} a month. XXXX XXXX XXXX lied to me about my loan and I do not remember signing the promissory note that was indicated by Account Control Technology.
Product: Checking or savings account

XXXX deposits and XXXX XXXX deposits plus overdraft fees as well
Product: Money transfer, virtual currency, or money service

On three attempts my paypal account : XXXX has been limited to balance usage and in attempting to fix the issue I incurred some misrepresentation by the customer service team for the verification option o clear the issue of the restriction. 

The holder of the paypal account had only the verification option left to be approve was the card statement option which he provided what the bank has for the holders of accounts. 

The holder of the paypal account was mislead by the card statement verification being the only verification and further verification was asked excessively by proof of address and another card statement verification which proof of address was already approved by the option selected for proof of of identity. 

The holder of the paypal account was further mislead by the billing piece of mail to verify address and than the customer service stated they needed the actual bill continuously adding more circumstances as the initial verification for proof of address was met. 

XXXX XXXX the paypal account holder spoke to XXXX on the phone and transcript information included by attachment Account holder allege misrepresentation by customer service of paypal by personal injury intentional tort. 

Within misleading information within phone cal to customer service XX/XX/2018 ( XXXX ) and the verification process of the on the following day XX/XX/2018 ( XXXX and XXXX ) that implied piece of mail from chat transcript description of proof of address and card statement proof from checking account/prepaid card was given to the customer service to meet the resolve issues requirements and account still fail to be access to retrieve funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, a scammer impersonating XXXX using the email address : XXXX convinced me to send three separate transactions totaling {$1000.00} through the XXXX service used by Bank of America. 

I was selling a coffee table on XXXXXXXX XXXX XXXX. I was sent a message from a person going by XXXX XXXX who wanted the table via XXXX XXXX. The individual said they had a XXXX business account ; he said he attempted to XXXX me {$500.00} after I sent him my XXXX username ; however I got an email from " XXXX '' saying that his account was suspended due to him sending me too much money and I would have to XXXX  him a certain amount in order for his account to be reactivated and then I would receive my money ; this happened three times with three separate emails ; {$200.00}, {$300.00}, {$500.00} requests. I was also speaking with this individual on XXXX XXXX  during this whole process. I was sent multiple emails from the fraudulent " XXXX '' account and thought it was actually XXXX ; however after reaching out to XXXX and XXXX the email address I realized it was FRAUD and I never received my money ; I sent many messages to this individual ; who continued to ignore my messages. I immediately called my bank about this issue to open a claim and also reported this person to XXXX. Bank of America did nothing to stop or reverse the transactions. 

Bank of America has now refused to process our claim and will not provide fraud protection over the {$1000.00} that was scammed from the checking account.
Product: Money transfer, virtual currency, or money service

I have a Cash App account and on XX/XX/XXXX, I noticed multiple unauthorized transactions were made from my account to XXXX XXXX ads in the amount of {$1100.00}. I am not a XXXX XXXX subscriber, and I tried to get help from Cash App to resolve this issue, but you can only reach them by email. I have made numerous attempts to resolve this issue, but no one is responding. Unfortunately, there is no way to contact Cash App via telephone to talk to a live contact support person. 
. 
i am upset because I need to pay my bills and I was let with only {$5.00} to my name in my account. 

I just want the funds returned, so that I can transfer the funds to a more safe accoujnt.
Product: Debt collection

After going through my most recent credit report, I found multiple accounts that seem to have been added without my authorization and are wrong. I am requesting that these fraudulent accounts be immediately blocked and deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> No knowledge of account
Product: Credit reporting, credit repair services, or other personal consumer reports

After my graduation, I was notified by XXXX XXXX XXXX for student loans. However, as XXXX takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX BANK XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX XXXX XXXX XXXX This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX XXXX XXXX. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.
Product: Checking or savings account

I deposited a check for XXXX via mobile to Sofi on or around XX/XX/XXXX. My account was restricted and funds are being held. I was told first week my account was being closed and the funds would go back to XXXX XXXX Next week Im told its going to be a check mailed. Third week Im told again its going back to XXXX. I called around last week of XX/XX/year> they told me there were no funds as the check was rejected. The funds were indeed taken from XXXX account and are sitting in the Sofi account. I called 3 days ago and Im told again its going to be sent back to chase but they do not have a time frame. Ive also since consulted with an attorney for next steps.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

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

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Well Fargo foreclosed on my house in 2013. I tried for a loan modification three different times and Wells Fargo lost my paperwork every single time and ended up for closing on my house. There was a class action lawsuit about this and I missed out and I feel that I am owed compensation my foreclosure fell within the timeline they were being sued for.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 and Regulation. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XX/XX/XXXX I began my home loan application with New American Funding. 
I was contacted by XXXX XXXX who was to be my Loan Officer ( XXXX # XXXX ). XXXX XXXX called me several times before sending me an email request for the following documents which were ALL provided to him either via their website upload page or email. The documents REQUESTED are listed below : eBorrower 's Authorization Agreement ( 1 page attached to the email ) Used by New American Funding to verify information using third parties if needed Be sure to sign and date this form Borrower History Form ( attached to email ) XX/XX/XXXX, XXXX AM XXXX - Your Home Mortgage Application - New American Funding - XXXX XXXX, Used by New American Funding to verify residence history and employment history/ and employment verification Paystubs Most recent 30 days and showing full name of employee and YTD W-2 and / or 1099 Most recent 2 years for all current and previous employments Bank Statements 2 months of most recent bank statements Include all pages even if the last page is left intentionally blank Do not white-out or black-out any information 401K / IRA / Annuity Quarterly Statement Include all pages even if last page is left intentionally blank Do not white-out or black-out any information Copy of a Valid Driver 's License or Government Issued ID After providing the requested documents, XXXX XXXX for a 3rd time pulled my credit which lowered my score again. I emailed XXXX XXXX for clarification. He assured me that my credit was great and I had nothing to worry about. Then I did not hear from XXXX XXXX for almost a month. He would not reply to my emails or phone voicemails. I had to call and speak to customer service and make a complaint. XXXX XXXX finally emailed me back saying he had XXXX for a 2nd time. He told me several time ( via email ) that he was finishing up a preapproval for me and would contact me but he never did. I sent numerous text messages and left number voicemails. I finally was given another person to work with XX/XX/XXXX by the name of XXXX XXXX. She requested that I send her all the email communications from XXXX XXXX ( which I did ). I was basically brushed off. I have never received any formal letter from New American Funding. I know in my heart I have been discriminated against. I provided all information and was told everything looked great. XXXX XXXX has never tried to contact me to provide me any information about my loan application. I don't know what my documentation was used for or who has possession of it. After two years, I still have not received any formal correspondence from New American Funding. I do however have ever email I sent to XXXX XXXX and if I received a reply I also have it. I want answers.
Product: Credit reporting or other personal consumer reports

1XX/XX/XXXXXXXX 2 . XXXX XXXX XXXX 3. XXXX BOTH ACCOUNTS NOT ACCURATE. 4. XXXX XXXX ALL LATE PAYMENTS ARE INACCURATE!!! 5. ALL HARD INQUIRIES NOT REPRESENTING POSITIVE ACCOUNT REMOVED IMMEDIATELY!!!!!! Removal of all charge offs/collections accounts all inquiries not related to positive accounts and all late payments and all negative reporting closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordingly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! 

XXXX XXXX : ACCOUNT XXXX XX/XX/XXXX REPORTING WRONG INFORMATION LAST UPDATE XX/XX//2024 : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!! ( TWO ) XXXXXX/XX/XXXX ACCOUNT : XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!!!!!!!! 
XXXX XX/XX/XXXX ACCOUNT : ACCOUNT XXXX XX/XX/XXXX BOTH ACCOUNTS PAID IN FULL STILL REPORTING AS ACTIVE NOT PAID IN FULL AND CLOSED!!!!!!!!! 

TRANSUNION DROPPED MY SCORE BY 50 PIONTS AFTER PAYING OFF LOANS IN FULL FOR {$3500.00} DOLLARS!!!!!!!!!!. 

XXXX DROPPED MY SCORE 54 POINTS FOR PAYING OFF LOANS IN FULL TOWER LOANS!!!. 

IS XXXX NEXT?