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

I have sent multiple letters asking them to investigate multiple accounts on my Experian credit report that I don't recognize and provide me with documentation showing these accounts are mine. These inaccuracies are hurting my credit rating when I need it most during this pandemic. All they keep telling me is " verified '' or " updated ''. According to the FCRA they can not be reporting unverified or inaccurate information to my credit report.
Product: Checking or savings account

Opened a bank account under promotion and did not receive any of the promotion. In fact the bank began charging fee that were not told to me about. 

Account that were signed up are : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Checking or savings account

I currently have a Chase checking account that has been overdrawn/non-sufficient funds since XXXX XXXX of this year. I have been going through a financial hardship since XXXX XXXX. I have been trying to come up with way to bring my account current but I continue to get late fees and overdraft fees added to my balance has been very hard to pay. My currently balance due is {$580.00} but {$480.00} is combined with monthly service fees and insufficient funds fees as well. I only recall my account being overdrawn by {$160.00}. I received a notice in the mail on XXXX XXXX. Stating I have an overdrawn {$500.00} which I was not even aware because prior to I did not receive any notices from Chase. Since then I have been charged two more fees of {$34.00} which brigs my total as stated earlier to {$580.00}.
Product: Vehicle loan or lease

Had obtained car loan through XXXX XXXX. Car payments were taken out of my personal account on payment date for 3 years of the loan. It seems that the loan was transferred to another company but without all or correct information. My car loan went to collections. I have reached out many times as has my XXXX XXXX XXXX XXXX and there has been no explanation to as why the account is in collections. My account status has not change, the amount in the account has remained with a balance enough to pay off the loan. I had finally sent in a Dispute with the XXXX XXXX with the response back being that the investigation found that the information they provided to the consumer reporting agencies is accurate and no bank error was found. 

I have been told that the company had been trying to reach me by phone, but they had the wrong phone number. I have not made a payment on this loan in 9 months. I want to rectify the matter with my credit score and have charges reversed as this has caused a great decline in my credit score. I am fully prepared to pay for the missed payments, but in the course of the issues on XXXX XXXX XXXX side. It has not been communicated as to what went wrong with my loan payments nor why my account was transferred to a Collection agency.
Product: Vehicle loan or lease

Trying to lower my payments with them and they told me that they can't do it then I called to get my routing number change and they told me that they can not change My account number all change and they told me they can not do it
Product: Credit card

I had a card with US BANK from XX/XX/XXXX until approximately early XXXX. I called customer service to discuss the card, increase a credit increase, make payments, and ask why any late payment was reported, which I disputed. I also inquired about private information being shared and requested to opt out. My request was never responded to. There was no opportunity to talk to an actual person. My requests for information about why a payment was reported late, and my requests for an opportunity to opt out of personal data sharing were not considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like this illegal and misleading information deleted from my credit report from XXXX XXXX XXXX. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to credit acceptance with 2 certified letters and got no response within 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} 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

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) duet o inadequate customer service and unfair practices, which violate the Cosumer 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 cpomply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial and I seek appropriate redress for these violations.
Product: Checking or savings account

1. On XX/XX/XXXX, my former employer - XXXX XXXX - direct deposited my payroll check for the period XX/XX/XXXX - XX/XX/XXXX in the amount of {$1600.00}.

2. On XX/XX/XXXX my former employer - XXXX XXXX WITHDREW {$1600.00} from my checking account without my permission. 

3. My bank - Wells Fargo - allowed this transaction, facilitated this transaction, and did NOT inform me this transaction occurred. 

4. I ACCIDENTALLY found out of when I made an ATM withdrawal on XX/XX/XXXX and realized my balance was extremely low. 

5. When I demanded my employer return these funds - I was FIRED.
Product: Debt collection

Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score. 
Date Reported : XX/XX/XXXX Collection Agency Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status Comments Medical ACCOUNTS REC CONSULTANTS XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} {$700.00} XX/XX/XXXX UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency Contact ACCOUNTS REC CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am willing to formally express my concerns regarding Zelles 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 and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$33000.00} ; U S DEPT OF ED/XXXX  XXXX Balance : {$38000.00} ; XXXX XXXX XX/XX/2023 .
Product: Credit reporting, credit repair services, or other personal consumer reports

My school loans are reporting 90 days late in XXXX from each Credit agency. How can they be 90 days late in XXXX when XXXX and XXXX are reporting XXXX and paid on time. Please Delete the inaccuracies accounting to the fair credit act. 

Accounting to the U.S Government, the school loans have been on pause through XX/XX/XXXX.
Product: Student loan

NelNet had my loans prior to consolidation, when applying for XXXX they provided inaccurate count of 'qualifying ' payments made under changes with the program causing me years of payments that should count. Under NelNet and their 'automatic payment ' system which controlled their transaction dates that could not be altered, payments were being made and marked as late. They would also apply payments to select loan ( s ) and mark the others as late/not paid. 
While on deployment they completely stopped automatic payments, sent a new form ( which could not be received and faxed in as required at that time ) to reestablish automatic payments due to a " glitch '' after a system change/update. On return, receiving the communication and finding I was showing no payments made and multiple XXXX, XXXX, XXXX and 120 days over due on different loans I reached out to NelNet via phone. Customer service would not fix the late markings/count any payment as on time at all, nor restart income based repayment plan or automatic payments with out first paying all overdue amounts, multiple stacked service and late fees at once. 
Ineffective systems and servicing should not further adversely affect the payee but reflect upon a servicer.
Product: Debt collection

Lansing Professional Business Bureau has contacted me multiple times about owing XXXX dollars from 8 different medical accounts. The business is not licensed in my state and has not given me sufficient proof of me owing the debt or about their licensing.
Product: Credit card

I am writing in regards to a 30 day late payment in regards to my Merrill Lynch Bank of America credit card. The late payment was approximately {$2.00}. 

Info : - I have had the card open since XXXX and have autopay established since my first e-bill. I have never missed a payment in the XXXX years. 
- I opened a BoA checking account in XXXX. Due to consolidation of our finances with my wife, I closed the BoA checking on XX/XX/XXXX. 
- I was live chatting with XXXX from BoA on XX/XX/XXXX and she said that because I closed the checking account : your bill pay profile was switched to a credit card only profile and that removed any payment information and autopay set up under the other profile. 
- I never received any communication that this would happen and wasnt told by the live chat rep when closing my checking that this would happen. 
- I only received notice that I had a missed payment from XXXX XXXX credit monitoring that I had. I quickly paid the {$3.00} that night. 
- I had simply assumed that my autopay of XXXX years would work, considering my pay-from bank account to my credit union never changed. 
- I noticed BoA never charged a late fee ; I certainly would have noticed a fee on my statement but never thought anything over the $ XXXX on the statement. 

I have major concerns with Bank of America 's inability to help with this, especially since Bank of America canceled my credit card autopay without informing me. When I live chatted with Bank of America to close the checking account back in XXXX, I was never informed that this changes my profile and removes my autopay ( how would I as a consumer know this? ). 

Hopefully a one-time good will adjustment can be made in my favor due to the unfortunate situation
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear MIDLAND CRED, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri Revised Statutes ( RSMo ) Sections 570.223 and 407.020, which govern identity theft and fraudulent credit practices.

It has unequivocally come to my attention that MIDLAND CRED has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, Missouri law, specifically under RSMo Section 570.223, emphasizes the serious consequences of identity theft and fraudulent use of personal information. Furthermore, RSMo Section 407.020 prohibits deceptive practices, which include the unauthorized reporting of credit information without the consumer 's consent.

I assert with unwavering certainty that I have not provided consent for MIDLAND CRED to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a complete disregard for both federal and state laws.

I demand, with the utmost certainty, that MIDLAND CRED immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and RSMo Sections 570.223 and 407.020. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouri identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that MIDLAND CRED will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Equifax , Inc . Customer Data Security Breach Litigation U.S. District Court for the Northern District of Georgia ( Case No. XXXX ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account/ Transaction/ XXXX XXXX XXXX XXXX # XXXX ; Balance : {$9600.00} ; Opened : XX/XX/XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in violation : XXXX, XXXX 15 USC 1666B states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 
Accounts violation : XXXX Please remove these accounts and late payments off your credit and consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card information is reporting on my credit inaccurately which is hindering me from getting approved for a new credit.
Product: Checking or savings account

Us bank relia card account been compromised and funds depleted and info compromised with my account last XXXX of my social is it what is on the card account to begin with a long with the correct amount money that has been swapped on the account
Product: Credit reporting or other personal consumer reports

I do not recognize two hard inquiries on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

my cellphone and wallet were stolen along with my computer, license and id in my tote bag. My bank accounts were drained. Wells Fargo was made aware of this, XXXX transactions were made out of my checking account that were unauthorized and the only thing Wells Fargo did was cancel my debit card. They didnt give me a new account or secure my account. They didnt even tell me to change my username and password. I did it on my own. My account was compromised and they wont issue me a new debit card without coming in person when Ive been in the hospital which they know. The amount of money taken from my account amounts in XXXX cents. The fraud started XX/XX/XXXX. I was in admitted in the hospital XX/XX/XXXX. The only authorized payments were my reoccurring payments from att and gofhd which are on autopay, along with XXXX. Wells Fargo told me majority of these payments were made in XXXX XXXX, Missouri and I am in XXXX, IL with proof I was in the hospital for most of the time this was occurring. They denied my claim saying I authorized them when I havent even been to XXXX XXXX and there would be no way I could be in person in XXXX XXXX and in the hospital in XXXX at the same time. I let them know I was robbed and have been battling identity theft and the compromising of all of my bank accounts and they still denied me with factual evidence. Ive called several times and got the run around they basically said it was me and they wouldnt explain any further or open a new claim. Wells Fargo has been known to have questionable business practices when it comes to their consumers ; Ive been a model customer with them since my account has opened.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer service and unfair practices which violated the Consumer Financial Protection Act ( CFPA ). Specifically., Cash App failed to take timely and effective measure to prevent an 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations..