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

In XXXX of XXXX I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX  paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of XXXX XXXX California Sheriff 's  department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. Experian, XXXX and XXXX use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX XXXX on XX/XX/XXXX, informing me that Transunion is now reporting inaccurate information on my credit report regarding a current open dispute with XXXX XXXX  XXXX XXXX XXXX. They have now changed the negative reporting from XX/XX/XXXX to XX/XX/XXXX which is also inaccurate. My account was paid off in full with XXXX XXXX  XXXX XXXX on XX/XX/XXXX to a {$0.00} balance. There was never no late payment on my account. Attached is the information received from credit karma and the last billing statement from XX/XX/XXXX that showed balance was paid off in full and no balance was due for XXXX and thereafter. Please investigate and review.
Product: Credit reporting or other personal consumer reports

Transunion Credit reporting Agency Violated Congress codes and According to Federal Law, Transunion is required to comply with the codes listed : California Civil Code 1785.26 ( b ) A creditor may submit negative credit information concerning a consumer to a consumer credit reporting agency, only if the creditor notifies the consumer affected. 
15 U.S.C 1681 602 AStates I have the right to privacy.

15 U.S.C 1681 604 A Section 2-Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency. I requested for the companies to be removed from my Transunion Credit Report due to violations listed above. As a National reporting agency, Transunion is governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers. Businesses paid Transunion and Transunion accepted payment to report information. In addition with the rest of the codes listed above. Accordingly, I request the Companies below must be deleted, and completely removed from my credit file within 7 business days as Transunionis non compliant of the 30 days response. In addition, a copy of such deletion request shall be sent/mailed to me immediately. I will continue to monitor if any action and or credit reporting repository is taken which could be considered detrimental and inaccurate to my credit report. Accordingly, I also request send notices of corrections to who received my credit report in the past 120 days ( 4 months ).

**Per California Civil Code 1785.26 ( b ) : Not one creditor below notified me of reporting negative information to my credit report. Immediately delete accounts. 

Companies to be deleted : XXXX : Opened XX/XX/XXXX XXXX : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXXXXXX XXXX : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXXXXXX XXXX  : Opened XX/XX/XXXX XXXX : Opened XX/XX/XXXXXXXX XXXX : Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am a first generation college student who hold a XXXX and XXXX XXXX XXXX which I owe nearly XXXX dollars for in private student loans. I make XXXX per month and pay American educations services XXXX $ and XXXX and XXXX XXXX another addition XXXX . This makes my student loans total well over XXXX per month which is half of what I earn. I have a child that I take care of and rent and living expenses to pay and because of my income I GET NO assistance for anything from the state or the government but after paying my student loans in at the poverty level and should technically qualify for some help. This is wrong American education services are the only lenders who REFUSE to work with me although I keep my account current by any means necessary, even paying my student loans before paying rent or getting food. I 'm literally struggling to survive because I made the decision to go to college and try to become better. My parents made to much money for me to get financial aid but did n't make enough to pay my tuition at school. this is a sad world when going to college can ruin your life like it has done mine, I just wanted to become better and give myself a change, I never realized that by taking a loan from American education services I would be giving up the rest of my life and making my sons quality of life worse than mine growing up because I owe so much student loan debt, I need some help I have literally begged American education services for any option to lower my payment and they just say they cant. why is this happening in America, why can banks and automotive companies get bailed out but a single XXXX woman try into to make it ca n't get any help with these XXXX dollar banks. this is unfair and I would trade my college degrees any day for a piece of mind of not having to worry about money because in paying all my monthly earning to lenders and the sad part is, it 's not even making a dent in what I owe because of my interest., so I will be broke forever only to keep a high balance on my student loans,. I ca n't buy a house or a new car or any of the things we picture in the American dream after you attend college. This is criminal I this is why people take their own life over debt. Who would choose to live like this and barely survive after working 40 hours a week only to pay on a huge debt that 's not going anywhere? I understand I have to pay back my debt but its ridicules how American education services wo n't work with people to make the payments reasonable. I do n't know anyone who has an extra XXXX per month to pay and still live. Please help me, please get American education services to work with borrowers and not lead them into situations like my own to where you are so desperate you have to sacrifice meals and taking care of yourself because you must pay a greedy lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes going back to XX/XX/XXXX as well as XX/XX/XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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, 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the svstem, leavina users vulnerable to scams.
Product: Checking or savings account

I deposited a check and was told I can not access the funds for 10-15 business days. I need my money. I'm going to be evicted because of this. After being on hold almost an hour, I was told I can not speak to a supervisor because my account is less than 2 years old. I was given no reason for this delay, and offered no recourse or access to my own money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, beneficiary and trustee ; no third party or agency is writing for me or has influenced me. I XXXX XXXX XXXX am a natural person. Please see attached documents and ID as it contains my full complaint and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a 3rd party account called XXXX was reported on my credit profile to the credit bearues. However the original account related to this contract has had been cancelled, and I am not liable for any and all 3rd party charges regarding this account.The account is unverifiable and I have not received the proper documentation that holds me accountable.The orginal creditor has already been paid for their losses through insurance and taxation
Product: Mortgage

In XXXX of 2011 I was in foreclosure with Wells Fargo my mortgage holder. I paid {$9600.00} to bring my mortgage current. I continued to make payments ( even paid more ) and my mortgage was not taken out of foreclosure until XXXX of 2011. Since this time they have reported my account as two months delinquent. They admitted they also misapplied {$300.00} of my payment which also makes my payment short and not counted as a full payment. Wells Fargo did credit my account the {$300.00} but will not fix the extenuating issue of my loan being reported as delinquent and late fees.
Product: Debt collection

I asked for verification of the debt and was not furnished the documents that I owed this debt. the credit card that I had was closed in good standing in XXXX with a zero balance and reported on my credit report and this company is sending me information that I charged up a balance that I did not do please see attached.
Product: Student loan

They called me claiming to they would sign me up as for a student loan forgiveness plan. They had my loan information and I mistakenly assumed they were working with the company I took my loans out with. They signed me up for a plan that starts XX/XX/XXXX where I will pay {$190.00} for 6 months and then {$39.00} a month until my loans are paid off completely. They also said by signing up I would not have to pay any interest on my loans. Today ( XX/XX/XXXX ) I tried calling the woman XXXX XXXX directly and it went voicemail after a few rings. Then it went straight to an automated message. I called the company itself and someone answered me, I asked if they were the National Advisory and she hung up on me. I tried calling again and it didn't even allow me to speak to a real person. I looked up the company online and apparently they have been scamming people. They did the same thing to other people, hanging up on them right away and refusing to respond to their messages. I emailed to say I want to cancel my loan repayment plan with them.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( 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 :
Product: Credit reporting

Just read about deceptive experian/XXXX {$1.00} marketing and then charging $ $ for unwanted services. I 'm a senior citizen who they took advantage of by charging me hundred+ $ $ per month on my credit card for over a year before I realized what they were doing. I complained by phone but they were obnoxious and would not return my $ . It was XXXX of these XXXX companies but I can sure use your help getting my $ $ back. I 'm retired And told them at the time over the phone they were thieves to force a service I never enrolled for and had no use for. Please Help.
Product: Vehicle loan or lease

I have consistently made {$100.00} additional principal payments towards my loan each month with the intention of reducing the overall interest paid and shortening the loan term. However, to my dismay, I discovered that HYUNDAI CAPITAL AMERICA has been improperly handling these additional payments. Instead of applying them directly to the principal amount, as requested and agreed upon, they are holding these funds and only applying them to the next scheduled payment. 

This HYUNDAI CAPITAL AMERICA practice has several negative consequences : Increased Interest Payments : By delaying the application of additional payments to the principal, HYUNDAI CAPITAL AMERICA is effectively prolonging the loan term and causing me to pay more interest over the life of the loan than I had initially intended. 
Violation of Agreement : When I made these additional principal payments, I did so with the understanding that they would directly reduce the principal balance of the loan. HYUNDAI CAPITAL AMERICA 's refusal to apply these payments as intended unless I call every month, hold on the phone and actually speak with a service agent to request said extra principal payment be applied to the principal violates the terms of our agreement. 

Financial Impact : This improper handling of payments can have a significant impact on my financial goals. I am being deprived of the benefits of early principal reduction, and this may affect my long-term financial planning. 

Lack of Transparency : I believe that HYUNDAI CAPITAL AMERICA has not been transparent about their policies regarding the application of additional principal payments. If I had been aware of their practice beforehand, I might have reconsidered my financial strategy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX  XXXX Balance : {$42000.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX that around the XXXX of every month Experian is charging me {$24.00} for an account that doesn't exist. I have contacted them twice and had my card company XXXX XXXX dispute the charge. Experian told them it's a valid charge, but told me. that are not taking it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Capital One for many years but have not been using it recently due to their low credit line and high interest rate. After many months of not logging into my account, I was logged into the app and it asked me to update my income, to which I did. I did not request a credit line increase nor did I inquire about any other type of credit. I only provided the requested income information which I know is typical for a credit card company to verify. A couple of days later I received an alert that Capital One did a hard pull credit inquiry on my credit, which I did not authorize. I called Capital One immediately and they denied any involvement in doing this and said they don't see anything on their end. I was told to send a letter ( through US Mail ) to dispute it. I was very aggravated that this company did this and then lied about doing it and denied any involvment, that I decided to close my account with them. Over the next few days, I received alerts from multiple credit reporting and monitoring websites ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) verifying that Capital One did in fact pull my credit and this lowered my score. I am in the planning stages of a business investment and this now reflects that I am preemptively shopping for credit to which I am not. I called the fraud dept of Capital One yesterday and they said they can not do anything, I need to call the credit bureaus. I called XXXX and they said I need to call the company that pulled it and ask for it to be removed. No one is accepting responsibility or helping me get this resolved. These companies should not be allowed to get away with this type of behavior. I want the inquiry removed from my credit.
Product: Debt collection

The debt was filed with the company in 2008. 

The debt is no longer valid. It is outside of Statued Of Limitations. 

They are still calling and harassing me on my personal cellular phone.
Product: Mortgage

On or about  XXXX / XXXX / 2015   Wells Fargo Home  Mortgage sent {$6800.00} from my reverse mortgage account to the   XXXX   XXXX    XXXX , NY to pay Real Estate Taxes on my Residence at  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  This   action was WITHOUT MY KNOWLEDGE This action was WITHOUT MY CONSENT Six ( 6 ) days later ; ON THE DUE DATE ; I paid the same amount.
I subsequently contacted Wells Fargo ; made them aware of the problem and REPAID the sum of {$6800.00} to Wells Fargo Home Mortgage.
Despite many contacts with this Bank and in the company of the thousands of other Citizens who have had this Bank commit all manner of unauthorized transactions I have not been able to have this matter corrected.
TO THIS DAY, WELLS FARGO CONTINUES TO SHOW THIS DEBIT OF {$6800.00} AGAINST MY ACCOUNT TOGETHER WITH VARIOUS CHARGES WHICH THEY HAVE APPLIED FOR THEIR UNAUTHORIZED ACTIVITY.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiries Violating 15 U.S. Code 1681n and 15 U.S. Code 1681b Dear Consumer Financial Protection Bureau, I am submitting this complaint to report unauthorized or incorrect credit inquiries appearing on my XXXX credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681n. 

Details of the Issue : Upon reviewing my XXXX credit report, I noticed several hard inquiries that I did not authorize. These inquiries include : [ List unauthorized inquiries, e.g., XXXX XXXX XXXX XXXX, XX/XX/year> ] According to 15 U.S. Code 1681b, a permissible purpose is required for any party to access my credit report. I have not applied for credit with these companies, nor have I provided explicit authorization for these inquiries. Additionally, under 15 U.S. Code 1681n, parties that willfully obtain or use my credit report without a permissible purpose are liable for damages.

Harm Caused : These unauthorized inquiries have negatively impacted my credit score and may affect my ability to obtain credit. 


Supporting Documents : I am attaching a copy of my XXXX credit report highlighting the disputed inquiries for your review. 

Thank you for your time and attention to this matter. Please let me know if additional information is needed to assist with your investigation. 

Sincerely, XXXX XXXX XXXX