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

In accordance with the fair credit reporting the following accounts have violated my rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida Department of Revenue 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 an 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 purpose. I NEVER GAVE WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ALSO IM INVOKING MY RIGHT TO PRIVACY THIS IS MY LAST ATTEMPT BEFORE A CIVIL LAWSUIT WILL TAKE PLACE IMMEDIATELY BECAUSE THIS COMPANY IS KNOWINGLY VIOLATING MY RIGHTS IM OPTING OUT PLEASE REMOVE THIS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I have tried to open CD or Savings accounts with 3 different institutions, one of which I have had banking relationship with for over 4 years. I was denied opened new accounts, these are not credit accounts, but CD or SAVINGS. Each time they said I was denied as a result of information provided by ChexSystems. 

Chexsystems will only tell me they are not responsible for the banks decisions.
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. XXXX Account # XXXX, XXXX XXXXXXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : 0 Court : U.S. Bankruptcy Court Liability : 0 Exempt Amount : 0, Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion TRANS UNION XX/XX/XXXX TransUnion, 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.
Product: Debt collection

I received a Small Claims Summons from a company called Velocity Investments I have never received correspondence from them before this. 
I have never done business with this company I do not consent to contract with this company
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of my educational loans with Edfinancial Services L. The account has been reported negatively by all three credit bureausExperian, XXXX XXXX and XXXX with inconsistencies across each bureau. Specifically : - The account number reported differs between each credit bureau. 
- The account opening dates vary across the reports. 
- The reported balances are inconsistent. 
These discrepancies have led to multiple, conflicting records of the same account on my credit reports, which has negatively impacted my credit score. I request that the Consumer Financial Protection Bureau investigate this issue, ensure that the discrepancies are corrected, and that my credit report accurately reflects a single, consistent account with accurate details.
Product: Mortgage

A modification application was done in XX/XX/XXXX with Loancare saying that they had not received my check for the past due balance. I never got a letter from them saying it was denied etc. They said that they have never received any application from me which I have proof that they indeed received it. 

I received papers stating that they were going to file foreclosure process on me XX/XX/XXXX. During this time there were a filed modification which did not stop the foreclosure process. I filled out another one in late XXXX and XX/XX/XXXX, nevertheless I got a letter stating the application was incomplete. The foreclosure process in Texas was not stopped. I filed XXXX XX/XX/XXXX and I have not received any response yet. The forecloser process has never stopped During this whole time process. My foreclosure process is still active even though a modification is sitting at Loancare. They send letters and it's 15 days after the file date. Letting me know my application is incomplete. 
I talked to the loss mitigation department and they told me that they received my application and was working on it. Everytime I call I get a different answer. I have never gotten a email back from them or a text message from them even when I said that is my # 1 means of communication. They have violated Texas laws. I have been in contact with them to save my house because I was told too but everyone who works there gives me the runaround. My wife has XXXX  and the stress of this has made her XXXX worse. 
XXXX worse. 
LOANCARE is who the bank is with. They are awful for getting your information and they are not willing to work with you. My check I mailed is still missing. What happened to my money?
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

FRAUDULENT ACCOUNTS!! from identity theft!!!!! 

1. XXXX  XXXX account number XXXX XXXX - XXXX XXXX 2. XXXX XXXXXXXX Account Number XXXX 3. DEPT OF ED/XXXX  Account number XXXX, Loan ( 02 ) 4. DEPT OF ED/XXXX  Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/XXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE NAMED XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO XXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. 

REGARDING XXXX  XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXX  XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX. XXXX XXXX HAS ALREADY DELETED AND REMOVED THESE ACCOUNTS!!!!! THESE ACCOUNTS SHOULD NOT BE REPORTING TO MY CREDIT REPORT!!!!! IDENTITTY THEFT!!! BLOCK AND REMOVE!!!
Product: Money transfer, virtual currency, or money service

I matched with a person on the dating app XXXX whose profile stated they were XXXX with photos that appeared to be a person in their mid XXXX. The person asked for my number after 3-4 messages and I provided a XXXX XXXX number . After moving off the dating app the person stated they were actually XXXX and started sending unsolicited pictures of a XXXX nature. The next day on XX/XX/XXXX at XXXX XXXX, I received a call to my direct number from someone claiming to be a police officer stating that I was under investigation and stating that I could lose my job and saying " may god help you. '' The call was spoofed and came from XXXX. The false police officer stated that the girl 's parents were threatening to pursue legal action but that he could provide a number to the step-father to work things out. He gave me a fake name of XXXX XXXX for the step-father. 

I called the man claiming to be the step-father at XXXX, which I later traced to an app called XXXX. The step-father stated they had taken the girl to therapy, but insurance was unwilling to pay without a police report. He texted me a link that has a picture of a fake invoice with fake information, but the link is how I could tell the number originates from the XXXX app. 

Step-father said in order to avoid the police report, I should send {$2500.00} for the therapy bills to show that I am serious about the situation. Step-father had me send the money via Venmo to the account name XXXX who he claimed was his wife 's sister and specified not to send the money as a purchase. Step-father then asked me to delete all messages and contact information. My bank placed a hard hold on my account on Tuesday XX/XX/XXXX to prevent the {$2500.00} from leaving my account, and I closed the account and opened a new one per their recommendation. I also reported the fraud to Venmo on XX/XX/XXXX, but Venmo concluded in their investigation that the transaction was not fraudulent and has asked me to pay the {$2500.00} despite it being clear the transaction was fraudulent and despite the fact that I reported the fraud to Venmo and to my bank before the funds were transferred. I had also filed a local police report on XX/XX/XXXX, filed a complaint on XXXX on XXXX/XXXX, filed a complaint to Minnesota 's AG on Venmo 's decision today on XX/XX/XXXX, and filed a complaint to the FTC today on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint in regards to a debt that was incorrectly reported. XXXX XXXX did not make any meditative measures to remove the two blemishes that followed a move and a new address they had on file. This was a debt that PayPal was already in trouble for by the CFPB ( https : XXXX ). Just because XXXX XXXX " decided '' to close my account- it did not make the debt less frivolous and riddled with illegality. I had a clear pattern of not missing a payment ( other than the 2 months during a move ). Closing an account that I had actively been making payments on does not constitute a good faith business practice and is rather tangential to defamation. Keep in mind I have taken out several loans with high interest and been denied for a student loan. My credit score was at the mid 700s until I caught on to this blemish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was XXXX in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.
Product: Money transfer, virtual currency, or money service

Kindly ensure that the receiver get the money as per the date was promis.
Product: Credit card

I was offered a Barclay credit card XXXX XXXX to make purchases at XXXX. This was a deferred interest credit card. I made timely payments however little if any of my payments was ever applied to the original balance. In XXXX XXXX and an interest charge of {$520.00} was applied to my account. When I inquired I found a tricky and deceptive practice and seek relief. In XXXX of XXXX I asked if the same credit card could be used for other purchases. Barclay responded yes however I was not told or informed at that time how the other charges would accrue or payments would be applied. Upon the charge of {$520.00}. in interest I attempted to find this information in my statement and could not. I did find on their website that in the last two months payments are applied to the minimum due and the rest to the original purchase deferred program. Those months ( 60 days ) are the only time that payments are applied to the original purchase. Candidly this seems tricky and I dispute the interest charges made. In addition, this issue has affected my credit rating which I have been working on very diligently for some years. I feel tricked and angry about this matter. I request remedy from your Agency. On searching the web I found other similar complaints about the Barclays XXXX deal and found that many people share my concerns and my frustrations. My goal is to have the {$520.00}. XXXX time interest payment removed so that I may pay off this credit card. Coincidentally in the last 60 days I did in fact make {$1000.00} in payments even though I was unaware of this rather deceptive matter. That would mean that in over 2 years and nearly {$5000.00} in payments little or none was applied to the original purchase. Clearly that is intentional to gain revenue for Barclays and for XXXX. 

Thank youXXXX XXXX
Product: Checking or savings account

XXXX  it appears an account was opened under my identification info at Synovus bank amount {$25.00}. Found out when letter arrived via snail mail letting me know {$5.00} was taken out for low account balance and now just remaining {$20.00}. I contacted synovus and they set up a flag as fraud
Product: Payday loan, title loan, or personal loan

AD Astra Recovery Service put my account as opened on XXXX XXXX. I did not Receive services from them during this time. This company is also known as XXXX XXXX for the amount of {$310.00}. they also reported this to all three credit bureaus ( XXXX, XXXX, and XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX AND XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation.The information can not be accurate pursuant to 15 U.S.Code 1681 A E. in Addition, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please, delete it for good, .XXXX  XXXX XXXX XXXX XXXX still reporting ) AS DELINQUENT, " CHARGE OFF '' YET the account is UNAUTHORIZED even be reporting due to the non written consent by the me the consumer and infringement on my 4th Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have not authorized this nor should be reporting on my report, these companies are blatantly and fraudulently harassing and defaming my name and character and overall life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

PNC won't let my bank account link to XXXX app. I have used this in the past but XXXX app says PNC won't work with them. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX  , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  , ohXXXX. 
Please remove the following numbers : XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, myXX/XX/XXXXand Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

AMERICAN FIRST AND PARENT COMPANY is trying to collect on a alleged debt despite not creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER 16 CFR 433.1 IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. stand company has not provided consumer with official treasury forms filed under consumer social number as described by congress as an credit card. CONSUMER REPORTING AGENCY XXXX HARD INQUIRES SHOWS PROOF CONSUMER CREDIT WAS PULLED. WHICH BY THE RULES GOVERN SAID COMPANY UNDER THE FCRA, FTC, AND 16 CFR 433.1, 16 CFR 433.2 AND 16 CFR 433.3 COMPANY IS BOUND TO FOLLOW ALL GUIDELINE WHEN OFFER RETAIL INSTALLMENT AGREEMENTS PER THE CONTRACT AS AN CONSUMER MY RIGHTS CAN BE AEERTED AT ANY TIME. AS FOR THE 1099C, 1099OID, 1099A THAT SAID COMPANY HAS FILED WITH TREASURY DEPARTMENT UNDER THE RULES OF THE 1099C COMPANY MUST PROVIDE CONSUMER WITH AN COPY FOR ACCURATE IRS REPORTING FOR ANY DEBT OVER XXXX. SAID COMPANY IS NOT FILING THE PROPER TAXES WITH IRS WHICH IS FRAUD. DUE TO COMPANIES UNCOMPLAINCE CONSUMER HAS FILE FORM 211 ALONG WITH OTHER APPLICABLE OMB IRS FORMS UNDER FILING IRS NUMBER XXXX WITH THE TREASURY TO AUDIT CONSUMERS ACCOUNT TO MAKE SURE ACCURATE REPORTING AND TAXES ARE RENDERED PER THE SECURITY AGREEMENT SIGNED UNDER XXXX XXXX ( PARENT COMPANY ) WITH THE SECURITY EXCHANGE COMMISSION ALONG WITH ALL OMB IRS FORMS NEEDED TO CONDUCT AN AUDIT ON CONSUMER ACCOUNT. SAID COMPANY HAS ALSO SECURITIZED CONSUMERS PROMISSORY NOTE UNDER PARENT COMPANY XXXX XXXX WITH TRADING SYMBOL XXXX ACCORDING TO XXXX FILING USING XXXX XXXX AS INDENTURE TRUSTEE OVER SAID SECURITIES YET HAVE NOT CREDITED CONSUMERS ACCOUNTS ACCURATLEY. DUE TO THE RECENT CHANGE IN CONSUMER LAWS PLEASE SERVE THIS AS NOTICE THAT UPON A VALID PROOF OF CLAIM NOTARIZED UNDER PENTALY OF PERJURY CONSUMER REFUSE TO REMIT ANY FUNDS UNTIL ALL DOCUMENTARY EVIDENCE OF THE ACCOUNTING ON THE PUBLIC AND PRIVATE SIDE OF CONSUMERS ACCOUNT. SAID COMAPANY IS ALSO IN VIOLATION OF THE TERMS IN CONDTIONS OUTLNED ON THEIR WEBSITE FOR CONSUMER PRIVACY. TERMS STATE CONSUMERS ACCOUNT INFORMATION WILL NOT BE PROVIDED TO NON AFFLIFATES OF SAID AMERICAN FIRST AND ALL SUBSIDARY COMPANIES UNDER THE PARENT COMPANY XXXX XXXX. XXXX IS NOT AN AFFIFLATE OF AMERICAN FIRST AND HAS VIOLATED ITS AGREEMENT. FEDERAL CIVIL COMPLAINT HAS BEEN FILED AND SENT REGISTERED MAIL TO PARENT COMPANY AND XXXXXXXX TRUSTEE XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CONSUMER IS DISPUTING UNDER BILLING ERROR XXXX. SAID COMPANY MUST IMMEDIATELY STOP ANY REPORTING UNTIL SAID COMPANY PROVIDE ALL INFORMATION UNDER THE PENALTY OF PERJURY FOR DOCUMENTATION
Product: Debt collection

This is not my debt. I attempted to contact original debtor ( XXXX XXXX ) but was informed that I needed to resolve this issue with the debt collection agency. I contacted the agency and was advised to complete a dispute.
Product: Mortgage

Well I keep trying to get a hold of my 2nd mortgage loan application with 21st Mortgage. Allegedly XXXX XXXX had my Customer File XXXX XXXX and XXXX XXXX had my Loan Application # XXXX. I contacted XXXX on XX/XX/XXXX. He sent me my loan application for # XXXX and informed me that I had to contact XXXX in order to get my other application with 21st mortgage so I called and Ive emailed and I cant seem to get a hold of XXXX only XXXX who wont inform me of any information. This is a very concerning matter because I was denied and then approved with 21st mortgage application # XXXX and on XX/XX/XXXX XXXX sent me an email stating that underwriter. It was not approved since the home is not already set up on the property. 
For a new home purchase, you will want to apply through a retailer/dealer. Application # XXXX Which was for the home I wanted that was with XXXXXXXX XXXX XXXX. The next thing I know I never hear from the XXXX XXXX and I get a new modified XXXX XXXX pre-qualification and that has been the worst most horrible thing my family has ever gotten. We chose to go with XXXX because we thought it was the only retailer that was going to give us a house. We thought we didnt make enough money or have enough income so we were stuck with only one option. I can not understand what happened to me without being provided my other application with XXXX XXXX XXXX Please help me so that I might find out exactly what happened to me and why my family is getting evicted now in 7 more days. I have already logged back into the 21st mortgage portal and XXXX has already removed the correspondence between us. 

And strangely enough the sales person we had was XXXX with XXXX XXXX homes. He left before we finished closing and now he works with XXXX at XXXX XXXX XXXX. And we cant seem to get our 21st application for XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am trying to link My account to XXXX XXXX app. It is a change rounding app that invests your money. PNC is not allowing accounts to be linked for that purpose.