23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I can not give many accurate dates, times, etc because these Upgrade accounts were opened without my knowledge. I have been fighting with this company trying to explain to them that these cards or loans were opened and used using my personal information. Every time I try to explain this to the company and the credit reporting agencies, they seem to disbelieve me and side with this company automatically. I am never going to pay a debt that is fraudulent. I have explained to everyone involved that my information was stolen using a variety of unscrupulous tactics to obtain these fraudulent accounts. In the past couple of years, I have received documentation from the XXXX XXXX XXXX XXXX in Washington DC stating that my personal information has been compromised and used. Also I have received several letters from large medical facilities where I was a patient that stated that their systems were hacked and my personal information was compromised as well. These are fraudulent accounts and I am asking that they be removed from my credit reports.
Product: Checking or savings account

Global CU rebranded from Alaska USA to Global CU last year. 
They changed my account from an account which was free ( Alaska Relationship Checking, free due to my mortgage with the company ), to an account which costs {$5.00} per month ( Latitude checking ). I am not sure exactly when this happened and was not warned in advance. 
I was able to change my account back to a free account but Global CU refused to refund the fees I was already charged. 

Timeline : XXXX uncertain exactly when - Account type changed to a paid account XXXX XXXX Charged {$5.00} without warning XXXX  - Charged {$5.00} again XXXX XXXX Charged {$5.00} again XXXX  - Phoned up and changed account back to a free account, refund refused
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 XXXXXX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX, Account # : XXXX this account is being reported inaccurately.
Product: Credit reporting or other personal consumer reports

The reporting company XXXX refuses to remove debt that was brought from by debt buyers and other collection agency that isn't mine or could be mine. without proper identification of the account showing my information and signature then the debt is fraudulent and therefore should be removed from my report. I have disputed these debts, and they only allow them to update them and continue. They are hindering my ability to live and apply for proper credit. I demand that these reports be removed right now. I am also attaching a cease and desist for XXXX and the following debt collection/buyers to stop calling and harassing me by phone and mail. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX  are reporting an account that is deficient of Physically verified validation. The account is XXXX XXXX XXXX. This is an inaccurate account and needs to be removed from my consumer report. Under the FCRA the credit agencies are supposed to report accurate information. This is a violation.
Product: Debt collection

The collection agency CONSERVE attempted to aggressively collect student loan debt from me. They purchased my federal student loan debt privately. I never received written notice related to the debt at all. I never admitted to the debt. I called CONSERVE and they agreed to stop contacting me and harassing me if I paid the amount in full, and also to delete the account from XXXX, XXXX, and other credit agencies. Instead, they took my money, applied it to settle the debt without my permission, and neglected to delete the account from pertinent credit agencies. I contacted the company and submitted disputes at least 5 times and they repeatedly lie about our arrangement and refuse to make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notwithstanding your instruction above, in the interest of brevity and efficiency, the attention of CFPB is invited and directed to CFPB Complaint # XXXX dated XX/XX/XXXX versus " XXXX XXXX XXXX , XXXX '' of XXXX, OR. ( " XXXX '' ; " the Complaint '' ). 

The underlying referenced matter was a disputed claim for services by " XXXX ( OR ) XXXX XXXX XXXX ( XXXX ' ) - Claim for Services Acct. # XXXX - XXXX XXXX '' XXXX 's claim was denied by XXXX XXXX to XXXX by Certified Letter dated XX/XX/XXXX. 

Consequent to the Complaint and the actions taken on my behalf by CFPB, the wrongful debt collection reporting was immediately and satisfactorily removed from my XXXX  and XXXX   credit bureau reports in XX/XX/XXXX. No additional credit collection activity or reporting has been engaged by either XXXX or XXXX  in this matter. However ~ and only now in XX/XX/XXXX ~ has it come to my attention that the collection reporting was never removed from the TransUnion credit bureau report and wrongfully remains there today with consequent prejudice to me.
Product: Mortgage

I purchased a home at XXXX XXXX XXXX, XXXX, IL XXXX in XX/XX/2021 and put 20 % down. I have no PMI, and want my escrow deleted. I was told I had to wait two years. I requested twice to have the escrow removed. I was told I did not meet the requirement, yet, was not told what was the criteria. I would like to delete the escrow. I believe the company is making money off the escrow and that is why they do not want to remove it from the mortgage. I have the means to pay the escrow on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports that a breach ( cyberattack ) may have hit 143 million customers and confirmed that the XXXX XXXX security flaw Equifax failed to patch is to blame for hack. The National Institute of Standards and Technology states this security flaw has been in the wild since XX/XX/XXXX. 
If those XXXXwo events were n't terrible by themselves, Equifax uncovered the breach on XX/XX/XXXX but did n't announce the breach until XX/XX/XXXX. 
The worst part is tha
t three Equifax upper managers sold stock before the breach was revealed. This is gross negligence and insider trading. We live in a world where security breaches are a common occurrence. This type of event is one that nefario
us parties from foreign countries have been waiting for. An example needs to be made so that other companies start taking security seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified XXXX XXXX that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that XXXX XXXX has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship XXXX XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

XXXX XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called XXXX XXXX and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX, Transunion and XXXX credit report : Account name : XXXX. Transunion Acct XXXX Date open : XX/XX/2018 charge off XXXX ( XXXX ), XX/XX/2018 ( XXXX ) XX/XX/2018. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 tracking these transactions was infeasible. 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 consumers safety.
Product: Checking or savings account

I managed my account. But every so often I would see an NSF charge. 

And it increasingly continued. 

I worked out of town as a nurse and just paid it. 

I made decent money but I was curious as to why I was paying upwards of {$600.00} in NSF charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Mortgage

Was having a problem paying house payment because of work and medical and got behind on payments and needed some relief and to lower our payments and keep our house, So we tried to work out something with our lender Chase and they finally said they have worked something out on a modified loan. We were never told it was a 50 year loan never knew you could go over 30 years. they never pointed that out or made us aware that the loan was a 50 years loan. We would have never known if I had not seen that the Haarp program was available and it was running out and I got on line and applied. I was told that it was a 50 year loan. We would have never signed up for a 50 year loan it's disgraceful and what really got me was the Haarp company that got with us told me that it was a 50 year loan and since I was a XXXX Veteran, they could go with a VA loan for 30 years and lower my payment by well over a {$100.00} a month and wondered why didn't Chase do this instead of sneaking a 50 year loan on me and still keep my payments high. I could not answer the question myself and would love to know the answer and Chase never told me I had a 50 year loan and feel that they have taken advantage of me for years, I am a XXXX veteran   and live on a fixed budget and how can I be qualified for a 30 year loan and lower my payment greatly with another company and chase has me on a 50 year loan and a much higher payment. They drug everything out and took forever working their modified loan out and when we were desperate and thought we were going to be put out they hit us with a 50 year loan and never told us, when they could or should have been able to go through the VA and help us out with a 30 year or less loan and lowered our payment. They were not interested in us only how much money they could rip off from us thought there was a fair housing standard and trusted them. I guess this is what the country has come to greedy companies getting bailouts from the government with my taxes and screwing the American homeowners. So tell me how can I get a loan half the term with lower payments with the VA or Haarp program. Theses have been around for years they had the information. A 50 years loan and not telling you in this country that Has to be illegal,
Product: Checking or savings account

I held a Wells Fargo account in the years XXXX. I received overdraft fees at a time where it seemed like Wells Fargo chose to pyramid fees. Causing me to have {$900.00} in fees and closing my account. I had to call customer service multiple times and their rule is they only reverse over draft fees once a year. And now I'm locked out of my online account without access to pull documentation.
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 out failed to take timely and effective measures to prevent an address fraud on the 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 EXXXX 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

Did not authorize these inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX inquiries Inquiry details XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX unauthorized inquiries XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX 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

Re : Acct. XXXX XXXX XXXX XXXX report XX/XX/2016 {$580.00} Reporting from all credit bureaus. 

I have contacted XXXX XXXX XXXX, XXXX verbally since XX/XX/2016. They would not remove the acct. 
I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request. 

I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe XXXX XXXX XXXX XXXX. 

They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section XXXX and Defamation.
Product: Student loan

In mid XXXX I recieved a notice increasing my loan payment from about XXXX XXXX XXXX XXXX XXXX XXXX  I was also moved programs with no explanation why. The program I was moved to was allegedly supposed to decrease my payment, but it increased it by {$140.00} a month. I have no clue why it increased or how it was calculated. Every time I try to call MOHELA I am unable to speak to someone because they have limited operating hours or hours long waits. So on XX/XX/24 I sent a message with my complaint of the above information. It said I would receive a response in 3 business days. I never received one. I sent another message on XX/XX/24 and once again have not received a response within the 3 days they claimed they would respond within. I am now a few days away from having to pay a XXXX XXXX increase in my loans with no explanation as to why. I am frustrated and dont understand how there is no accountability for MOHELA for increasing loan payments without requesting information on my finances, work status, or family makeup.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.
Product: Money transfer, virtual currency, or money service

Cash App case number : XXXX Cash App complaint number : XXXX Action occurred on XX/XX/year>2025 after a repayment in the amount of {$100.00} was processed. My remaining of {$93.00} is missing and unaccounted for. 

A cash representative advised that she did not show my payment of {$100.00} and did not know a reason for my missing funds after her review of my account. 

She continued to tell me she would transfer me to Cash Apps Lending department. When questioned about why I had not been transferred as told. She told me that their lending department would contact me via email. She was asked to provide a phone number or email address for that department but refused. 

A second representative echoed the first. I spoke with a person using Cash Apps app and also requested a provisional credit while investigated the issue of my missing funds. All refused. They were informed of the hardship they were causing me and my family.
Product: Mortgage

i submitted a complaint against Bayview loan servicing on XX/XX/18 in regards to my loan which is has many federal violations, as was stated previously i never received my disclosures from XXXX XXXX  nor did i received the right to rescind the loan, Bay view loan is servicing this loan for a lender which i believe to be XXXX XXXX XXXX which has been the subject numerous lawsuits because they assumed loans from XXXX XXXX which was also involved in my loan, so when the LENDER took over this loan they assumed all responsibilities of that loan and since XXXX XXXX assigned the loan the day after it was purchased, XXXX XXXX is out of the picture and out of business, based on the documents i have the Note and TRUTH and Lending Don`t match which is a direct Violation of the Federal Lending Laws regarding Mortgages, so my loan was a bad loan from the start, interest rate, payments and terms. Bayview is not going to just sweep this matter under the rug and pass the buck this has become a Federal issue because there was no Truth in this Lending!.
Product: Debt collection

The debt collector, XXXX XXXX XXXX XXXX is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX- XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out via mail to the following credit bureau about a collection company that's reporting on my credit. I have asked for validation if such debt is owed.