23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Around holiday times ( XXXX XXXX XXXX XXXX ). My account was constantly being g hacked. Which caused me to get a numerous amount of new cards. An d according to then because it was so many in a certain time frame it made me a liability so they had no choice but to close my account. And at the time was at least over XXXX. But when they closed my account and canceled my current card. They told me I would receive a check in the mail for my balance. And they allowed me to dispute XXXX previous transactions that weren't authorized for over XXXX. But when they canceled my account those were just tossed out I guess. But they allowed my account to get debited by whoever or whatever. And then I wound up receiving a check for literally XXXX XXXX XXXX XXXX  I called and they would give the the run around. To the point of not even talking to me at all. By either getting disconnected ( them hanging up ) or just leave me on hold until I would eventually get frustrated and hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.Bankruptcy XXXX  7-Discharged Filed on XX/XX/2017 Reference number : 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 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 ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

[ Your Full Name ] [ Your Address ] [ City, State ZIP ] [ Date ] [ Transuinon, XXXX XXXX XXXX XXXX XXXX ] [ Credit Bureau Address ] [ City, State ZIP ] Re : Credit Report Dispute Account Number : [ Your Account Number ] Social Security Number : XXX-XX- [ Last 4 digits only XXXX Dear Credit Bureau Representative : I am writing to dispute information that appears on my credit report pursuant to my rights under 15 U.S.C. 1681i of the Fair Credit Reporting Act.

I am disputing the following information in my report : [ Identify the specific item ( s ) you're disputing ] Account Name : not sure Account Number : Reason for Dispute : removing items on my credit. 

This information is [ inaccurate/incomplete/unverifiable ] because : [ Clearly explain why the information is incorrect i XXXX XXXX never give these company permission to run my credit and i never receive any products or customer services. These are the companies, XXXX XXXX, XXXX XXXX, XXXX, As required by Section 1681i of the FCRA, please investigate this matter and delete or correct the disputed information. Please send me an updated copy of my credit report at the above address, showing the corrections. 

Additionally, pursuant to the law, please forward all relevant notices to any data furnisher involved in this dispute. 

I have enclosed the following documents to support my position : 1. [ List supporting document ] 2. [ List supporting document ] 3. Copy of my credit report with disputed items highlighted If you have any questions or need additional information, please contact me at [ your phone XXXX [ your email address ] XXXX Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX ] Enclosures : [ List attached documents ]
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 09/01/2024, and I have not yet received a response.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's XXXX 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 and Zelle failed to investigate my claims of not receiving my money adequately. They informed me that recovering any money sent to me 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: Vehicle loan or lease

I leased a car from American car center XXXX XXXXXXXX XXXX the company went bankrupt and XXXX down and sold contracts to westlake portfolio without me knowing any information and not knowing who to contact they reposssed my vehicle when I was caught up on payments without me knowing stating that I have to pay the balance in full before I get the vehicle back.i have no knowledge of this and its stuck on my report a XXXX loan that Ive been paying on before American car center went out of buisness and XXXX down
Product: Debt collection

3rd Party debt collector continues to harass me in an attempt to collect a debt I do not owe.
Product: Debt collection

Amsher has continue to report a collection on my report after they sent a letter to me stating the so called account was closed in there office and sent back to the original creditor
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXXAtlantic Pacific Mortgage XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, New Jersey, XXXX ( office ) ; XXXX XXXX ( fax ) Dear XXXX XXXX, XXXX : I am writing you regarding the foreclosure you filed with the XXXX XXXX Courts in XXXX, NJ XXXX on XXXX/XXXX/15, one month after I paid the total amount Due to Atlantic Pacific Mortgage and they cashed the check but fail to apply it to my account. On XXXX/XXXX/15, According to the XXXX/XXXX/15 statement, the total l amount owed was {$9600.00}. I paid off the total amount of that was owed on the loan pursuant to the statement received from Atlantic Pacific Mortgage, ( XXXX/XXXX/15 BILL PAY Atlantic Pacific ON-LINE XXXX ON XXXX XXXX ). You can verify this with XXXX by calling 800-956-XXXXSince XXXX 2015-XXXX 2015 this is the total amount paid to XXXX XXXX Mortgage ( Attached you will find an actual copy of the bank statement ). Here is the information : XXXX XXXX XXXX Page Sign Off | Home | Locations | Contact Us | Online Security GuaranteeXXXX XXXX Business Online Accessibility Information Skip Navigation to go to main content of this pageAccounts Transfers & Payments Brokerage Account Services Messages & Alerts Online Solutions Open an AccountOverview Bill Pay TransfersBill Pay Overview Payments Payeese Bills Reports Notices User Profile HelpThe time period you select may not include your entire statement history. Please refer to your account statements to view complete past transaction history. 
Report Title Generate Report Customize Reports My Spending ReportReport : Payments for ATLANTIC PACIFIC MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX AN : XXXX ; Phone # : XXXX ( XXXX/XXXX/2015 - XXXX/XXXX/2015 ) Payment Sent Payee Amount Payment Account Status Categorylick on link column headers to sortPayment Sent Amount Memo/Invoice # Reference # Payment Account Status ActionXXXX/XXXX/2015 {$620.00} n/a XXXX XXXX regular checking PaidXXXX/XXXX/2015 {$620.00} Mortgage XXXX XXXX XXXX PaidXXXX/XXXX/2015 {$620.00} n/a XXXX XXXX regular checking PaidXXXX/XXXX/2015 {$620.00} XXXX XXXX XXXX regular checking PaidTotal Paid $ XXXXXXXXWhen I did n't accept the loan modification, I paid the outstanding balance based on the XXXX/XXXX/15 statement : These were sent to Atlantic Pacific Mortgage Corp ( Account Number : XXXX ) Payment Sent Sorted Descending Amount Memo/Invoice # Reference # Payment Account Status ActionXXXX/XXXX/2015 {$700.00} n/a XXXX XXXX Crown Banking PaidXXXX/XXXX/2015 {$9600.00} n/a XXXX XXXX XXXX PaidTotal Paid {$10000.00} Grand Total : $ XXXXXXXXThanks in advance for correcting the issue. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for an online loan during the week of XXXX. I received contacts from quite a few companies via email, texts or phone calls. On XX/XX/XXXX, I received a call from someone who said they were from Achieve Personal Loans and that I was approved for a {$2500.00} loans. They already had my basic info, name, address, phone number, and email. During the process of the application, I gave them additional info, mobile banking info, SSN, banking password, and a picture of my drivers license. They told me that my credit score was low so for them to extend the loan they would have to send me money, an amount between $ XXXX, I would have to send it back then they could send me the loan amount. It sounds like a scam but I was in a jam and hoping for the best. I even received an email with the Federal Trade Commission on the letterhead, pretty much stating the same thing they told me about them sending me money and i had to return it. They told me the entire process, from application to receiving funds, would be complete on the same day. After XXXX, I didn't hear back from them so I figured I would speak to them the next day. On XX/XX/XXXX, I received a call from my bank, asking if I tried to make a deposit through the mobile app, and I told them no. They said a deposit was attempted but it looked like a scam. Now my account it locked. The bank rep told me I would need to go into s branch to speak to someone about the lock on the account but I told her I no longer live in the state. She said she would talk with her manager and call me back. I tried to call the number that I spoke to the " Achieve '' rep on but no one answered. After thinking about things more, I went back to check the form I received from the FTC and it confirmed it was not legit. I'll just say, read, read, READ!! There were spelling errors and the verbiage was off. The letter was their way of confirming that they have successfully scammed you. I received it after I had already sent the info they were requesting. Feeling crazy now that I know I have been scammed and there's nothing I can do about it.
Product: Credit reporting

I paid off my auto loan XX/XX/2016 before that time like the rest of America I went through some finanacal hardship and the car was reposed but I paid that balance and was in dispute with XXXX about administrative fee 's in the amount of {$350.00} that was added on after I paid everything they had put in writing. because of this every month when I made my car payment XXXX reported me as being late. I printed documents and uploaded them to Trans Union and the XXXX other credit agencies. they acknowledge the inaccracies but the are reporting the paid in full loan as a bad debt.
Product: Mortgage

Carrington Mortgage company is threatening to forevlose and they do not have my records of past mortgage that was transfered to them by XXXX. I was assured in communications all my documents would b sent. I was granted a 60 day stay / grace period due to transfer. Carrington is failing to accomodate their own words. Carri gton threatened me with un official certified mail in an attempt to threaten me. It is NOT CETIFIED MAIL. I contacted the USPS and they assured me it is an envelope to resemble threat of official letter
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have been trying to submit an IDR application to switch my current SAVE plan to the PAYE plan. Mohela instead keeps putting me on the SAVE plan, even though I am eligible for the PAYE plan. I have called and spoken multiple times to agents who said they will add notes to my file to put me on the PAYE plan and expedite and escalate the issue, but nothing ever gets done. I most recently submitted a manual PDF IDR application to swith to PAYE and uploaded it to the Mohela website. This has been ongoing for over a month, and Mohela has even put me back on the SAVE plan with a higher payment than before ( which they can not do since FSA has pushed back the recertification date to 2025 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on XXXX It's ( XX/XX/XXXX ) if the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed inaccurate. Account : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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.
Product: Checking or savings account

I have a Health Savings Account ( HSA ) with Optum XXXX On XX/XX/2022 I received a reimbursement check from my medical insurance company that I had used my HSA to pay for. Understanding that money taken out of my HSA must only be used for medical expenses I called Optum XXXX  to ask how I could deposit the refund into my account. The first woman I spoke with advised me that I should just deposit the money into my personal account and keep it. I advised her this would be fraud, and only then did she give me a XXXX XXXX XXXX mail a personal check to. On that same day ( XX/XX/2022 ) I mailed a personal check for the total amount of {$320.00} to Optum XXXX XXXX claim department : ( Attn : Claims Department, XXXX XXXX XXXX XXXX, FL XXXX ). The check was not cashed until XX/XX/2022. After the check was cashed I continued to wait for the funds to show up in my HSA. It wasn't until XX/XX/2022 that {$200.00} showed up in my account. I have called Optum XXXX at least 6 times regarding this matter. I have attempted to use their " callback '' option on at least two other occasions and never received a return call. I would like to know where the {$120.00} is. No one can locate that money and Optum XXXX does not seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that do not belong to me : XXXX  : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION 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 VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) 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.
Product: Checking or savings account

Chase Bank closed my account because they had closed an account in my name due to a bankruptcy back in 2012. After I went to cash a check for XXXX issued from a Chase bank account, they told me that their limit was only XXXX that I could open an account or take the check to another bank institution. There was also an {$8.00} banking fee. One morning I checked my online balance and the account was blocked, therefore I called and they told me that they would issue a cashier 's check after ten business days of the account closure. They have my money and that is wrong!!!