23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been trying to use my cash app for many years now. Last week I was on my facebook page and a XXXX XXXX sent me a friend request. I accepted it and the next thing I know this profile asked me if i needed XXXX dollars? I said yes and asked where these funds would be coming from! I was told FEMA funds. I was asked if I have cash app and what my cash tag is? I sent XXXX XXXX my XXXX XXXX. Next thing I know I receive a screenshot from my cash app profile! What I mean is someone took a screenshot of my XXXX pending cash app deposit and the screenshot showed they were logged into my account. This XXXX XXXX sends me a message on messenger saying the funds are actually from a cash app business account. This raised my suspisions. Cash app tells me I have to verify my account to receive my XXXX dollars. XXXX tells me I have to send XXXX dollars to receive my deposit. I asked if the funds are actually coming from an account of mine? I get back on my facebook page and this XXXX XXXX profile was posting on my page, in my story line, and the screenshot from my cash app account was already posted on my storyline with the song this is how we do it! Next thing I know posts start showing up on my page showing receipts for XXXX, XXXX, XXXX, XXXX, up to XXXX sent from my cash app account to people I do not know. And this XXXX XXXX profile is telling people to get in touch if they want some of my money! I blocked the XXXX XXXX profile who I am 99.9 % sure is actually XXXX XXXX and XXXX XXXX! XXXX XXXX and XXXX XXXX have been fraudulently using my accounts for way to long. XXXX actually died a year or two ago. A month or two ago I ran into XXXX XXXX and he told me about a program helping people. A XXXX XXXX XXXX is who showed up on my messenger and XXXX. I was told I qualified for XXXX just had to pay XXXX so I blocked the profile which again I believe was XXXX XXXX and XXXX XXXX fraudulently using my accounts. So I am in constant contact with cash app through this and I told my cash app support I also have $ XXXX, $ XXXX, $ XXXX and others. Cash app tells me they will not grant me access to my XXXX XXXX or my XXXX XXXX, or XXXX XXXX for security resaons! While in my cash app I went to the search window and found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and sent multiple messages to XXXX and XXXX and the support page in my cash app. Still no response about any of the other accounts. Why would I not be able to use my cash app accounts? When I downloaded my cash app in 2021 on a new phone of mine my cash app greeted me as XXXX XXXX! Nothing was done and still isn't! I want this fraudulent use of my accounts stopped! I have filed hundreds of reports with the CFPB and never received any refunds! I hope this is not another waste of my time with ths cfpb! Why have never received a refund when the cfpb claims it pays back money stolen to consumers?
Product: Debt collection

united revenue corp. account # XXXX is on my credit report and i have no idea who they are or what they are trying to collect. after contacting them in writing 2 times i have never received a response
Product: Debt collection

Getting repeated calls from Spring Oaks Capital using different phone numbers each time. They have no reason to be calling me and refuse to stop calling
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of this company before. I am not the owner of the following accounts..I did not open an account or signed a contract with these companies. They do not have any business with me.. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an e-Oscar. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MISSOURI XXXX  XXXX XXXX
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT  MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit card

While I had an ongoing dispute over XXXX fraudulent transactions, the following happened : 1. While my card locked, capital one allowed a {$650.00}. This was despite assurances that when locked, ALL PURCHASES WILL BE DECLINED! 
2. The card involved in this purchase has a credit limit of {$500.00}. The available credit on same said card was {$150.00} at the time of the purchase. Yet they allowed a {$650.00}, which is above both the credit limit and available credit to happen. 
3. Before this transaction, while discussing another disputed transaction from XXXX, a capital one customer service manager assured me in a phone call that they can never allow a transaction above the credit limit. After this transaction, another capital one customer service manager now says capital one allows transactions above the credit limit. 
4. Previously, all purchases were declined whenever the card was locked, including XXXX cards. I expected all transactions to be blocked as advertised and advised.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 and XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX  Bankruptcy XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX Public Records : XXXX XXXX  Bankruptcy XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i recently recieve my free annual report from the credit bureu, and didnt recieve any notice from the original collector that. sold my debt to another new collection agency.and the new collection agency never notify me about reageing/restarted a old debt.that i thought will be remove from my credit in XX/XX/2016.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles dispute resolution process, especially in light of the recent CFPB lawsuit highlighting major issues with the platform. Despite reporting discrepancies after using Zelle multiple times, neither my financial institution nor Zelle properly investigated my claims. I was told that recovering the lost funds was not possible and that tracking the transactions could not be done. 

The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit its system, leaving users at risk of scams. This lack of accountability and transparency is unacceptable and raises significant concerns about the safety and protection of consumers.
Product: Student loan

Hello, when my loans transferred from mohela to mohela student aid this past XXXX my direct debit/auto pay did not transfer with it. Due to this, they began charging me the higher interest rate for all my loans when I was previously getting a .25 % reduction. I tried to resolve this with mohela multiple times and was unsuccessful. I then tried re-starting the auto pay online and sending in a paper copy and still no response. I called and requested this be updated as well as the incorrect interest refunded to me and was told they can not refund me and that auto pay takes several months to take effect. ( It has been 6 months since my loans were transferred and I am still manually paying my loans every month ). I am attaching proof that my auto pay was in effect prior to the transition and a screenshot of e-mails I received during the transition.
Product: Credit card

On XX/XX/year> I mailed my payment of {$38.00} ( to pay bill in full ) which was due on XX/XX/year>. My payment posted on XX/XX/year> ( 2 days late-even though it was sent 8 days before the due date ) I received a statement in XXXX stating I owed a late fee of {$29.00}. I called XX/XX/year> and spoke with XXXX about having late fee removed since the account was paid in full. He explained that he could not take care of this and referred me to his supervisor, XXXX. She said they would not remove the late fee. I explained to her that I did not owe this and would not be paying it since the account was paid in full. I then asked her to close my account as I would no longer be doing business with their company. 
On XX/XX/year> I was charged an additional {$29.00} plus interest bringing my new total to {$60.00}. 
On XX/XX/year> I called yet again and spoke with XXXX. I explained how these charges were fraudulent as I paid my account in full and also closed the account. He informed me that they would continue to add on late fees until I paid the balance in full. I explained to him that the fees were placed on my account but shouldnt have been since I paid in full. He stated that we would agree to disagree and hung up. 
This company has called me multiple times in their attempt to retrieve payments. 
Ive explained to them multiple times that I will not be paying these fees.
Product: Checking or savings account

In XX/XX/2015 a rental car was stolen from me and I got it back and returned it to XXXX XXXX XXXX. I negotiated to pay them {$560.00} which was {$200.00} more than I owed them for the trouble. They in turn filed a fraudulent invoice for {$3000.00} which I notified Chase that it was fraudulent and what had happened. Chase Bank in turn took my entire SOCIAL SECURITY XXXX check for 5 months straight to pay costing me my home, vehicle, credit, homelessness for 3 years and counting. I had a great credit score at the time which was gone in a month of not being able to pay basic housing and cost of living and other creditors. I fought them to get it returned repeatedly and would get it back provisionally just to have them bounce all my payments made including rent and storage. I've lost everything including my home of 16 years, my jewelry, my life as it was, my credit and even my dogs which were my whole life. What they did was illegal and they have managed to get away with it still. I want my money back, credit restored and all delinquent debts subsequently corrected that were due to their actions and XXXX XXXX And would like them both sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : The following hard inquiries listed on my XXXX, Equifax and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Debt collection

To whom it may concern : Jefferson Capital This complaint is regarding account # XXXX, which you claim I owe {$1200.00} for a collection account. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collections agency can not place a collection on a consumers report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 
Also, a collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ).

Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the CFR, FCRA and FDCPA : therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Debt collection

I have repeatedly ask about a validation letter from National Credit Adjusters way back in XXXX, they say they send it thru Mail, haven't received anything, it been passed 60 days, I sent my letter certified, no validation information was sent I haven't received it.It suppose to take 30 days, it is now 60 days, Please investigate now, Due to fraud out here please remove this off my report no validation letter I asked fir two months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 i sent a letter to XXXX disputing information on an account named XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Product: Credit reporting or other personal consumer reports

how long does a CRA have to investigate and reinvestigate, iv provided the inadequate responses, i'v never received any verifiable proof, and iv been met with INADEQUATE RESPONSES AND OR INFORMATION CONSIDERED BY 1681g ( a ) ( 1 ) ( B ). The Consumer Credit Reporting Reform Act of 1996 revised FCRA section 609 ( a ) to require that consumers receive all information in the file rather than only the nature and substance of the information. THE 30 DAYS HAS PASSED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX 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 an 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. 

As a resolution I want these hard inquiries removed from my credit report within the next 30 days. Please send me a copy of my updated credit showing that these inquiries have been removed. 

Thank you, XXXX XXXX
Product: Credit reporting

XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and II do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The XXXX time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. TransUnion has failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlights significant issues with the platform. Despite using Zelle numerous time 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 infeasible. The CFPBs finding indicates 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: Credit reporting, credit repair services, or other personal consumer reports

I have many inaccuracies reporting on my report that Experian has done nothing about. There are accounts open and negative reporting that are linked to an address that I do not live at and even though the proof of documents I have sent in they still refuse to do anything about it and they ignored me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received an email that I needed to make an payment on XX/XX/XXXX to avoid a 30 day on my credit and I made the payment on the XXXX however the payment posted on XX/XX/XXXX not my fault. I requested that they honor the email that was sent to me and the agent and supervisor refused
Product: Credit card or prepaid card

In XXXX of 2022, someone opened a credit card at Truist Bank in my name and put {$3200.00} on it. I do not bank with Truist at all! I found out about it in XX/XX/2022 and I have repeatedly tried to speak with someone in the fraud department or customer service at Truist concerning this. In late XXXX XXXX I was finally put in contact with a Truist fraud specialist who was supposed to be handling my case. On XX/XX/XXXX, I sent this " specialist '' a copy of documents confirming my identity ( things that she requested ) via email. I have repeatedly tried to follow up with her by email and phone to get an update and she has failed to respond. This fraudulent credit card remains on my credit and is ruining my credit score.