23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 7 ), I have the right to submit a dispute statement, which must be included in my file if the inaccuracies remain uncorrected. I am prepared to exercise this right if needed.

Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate information they know or should know is wrong. It is clear that this standard has not been upheld in my case. Additionally, Section 623 ( a ) ( 4 ) requires furnishers to notify the credit agency of any dispute initiated by me. I expect this to be done immediately.

Finally, Section 611 ( a ) ( 6 ) mandates a written notice detailing the results of the investigation. I expect to receive this within the 30-day legal timeframe, outlining the actions taken or reasons for refusal.
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 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 REGULATIONS E. 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

I got these accounts that are not mine and i want them to be deleted from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

SCA Collection is reporting 4 collection accounts on my credit report that should not be there. The account numbers are XXXX, XXXX, XXXX, and XXXX. All four of these accounts are subject of a medical malpractice lawsuit, and should not be reporting on my credit file. I have asked SCA Collections, and XXXX XXXX, to remove these accounts from report. So far, they have refused to take any action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic aka Credco has placed a tax lien on my rental history report. It does not show on my none of my credit reports from the 3 bureau 's. I have since been on a paid installment agreement with the IRS. The amount being reported by Corelogic is inaccurate.
Product: Debt collection

Dear FIRST CREDIT SERVICES ; I am writing to dispute an alleged debt reported by your company, as this account does not belong to me. I have never had any relationship or agreement with XXXX XXXX XXXX or XXXX XXXX, and I believe this account has been reported fraudulently. 

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter, I am requesting the following documentation : Proof of your authorization under 15 USC 1692e and 1692f to collect this debt.

The legal basis for attempting to collect this debt.

Proof of your authorization to operate in my state.

Evidence of the alleged debt, including any contracts or agreements bearing my signature.

A full account history, including any charges and fees associated with this account.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I therefore demand the immediate removal of this fraudulent account from my credit report and prompt resolution of this matter. Under the provisions of the FCRA and FDCPA, I request that this item be deleted from all three major credit bureaus ( XXXX, XXXX, and XXXX ) as soon as possible. 

In a good faith effort to resolve this matter amicably, I expect full documentation of the alleged debt, specifically any contract or document bearing my signature and evidence of your authority in this case. Absent such proof, I demand the immediate deletion of any erroneous reports related to this account from my credit profile. 

Thank you for your immediate attention to this serious matter. I expect a response within 30 days to confirm compliance with the applicable laws.
Product: Mortgage

Reference loan # XXXX with Shellpoint/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  and XXXX XXXX XXXX  at XXXX XXXX XXXX  in XXXX, VA XXXX. Effective XX/XX/XXXX XXXX XXXX was granted his XXXX XXXX XXXX  rating which also relieved him of property taxes on the property noted above. We had to calculate our own new payment as XXXX XXXX refused to adjust our mortgage, did not send us a statement for the months of XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I had to call to get those statements but had paid the mortgage. They are saying we have to continue paying taxes through XX/XX/XXXX. They were notified via fax on XX/XX/XXXX with the letter from the tax assessor 's office of this relief and although they acknowledge having this letter insist that we pay the taxes. This is far above scandalis and we absolutely want this matter resolved as quickly as possible. It appears that they are trying to defraud us. We received a statement for XX/XX/XXXX in the amount of XXXX. The Commissioner of revenue has returned the taxes we've paid to XXXX and Shell point is yet to return that money to us in the amount of XXXX. On XX/XX/XXXX our escrow balance was XXXX. We received a check from the surplus in the amount of XXXX. and change and now our escrow balance is minus XXXX. Please assist us in getting this matter corrected. Their numbers are monkey business not facts. If you wish to contact us we may be reached at XXXX. Thank you for your assistance.

Sincerely, XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Debt collection

FDIC XXXX XXXX Status : Initial Processing, Date Submitted : XX/XX/2024 Continental Finance Co XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE XXXX XXXX This account has been charged off and the company isn't owed anything. I have not given written, electronically nor verbal consent to violate my privacy by exposing my personal information, according to 15usc 6801 & 6802
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, i applied for small line of credit and was approved for a {$700.00} line of credit, with {$150.00} interest, {$850.00} was paid back, i never had issue with the loan company, I've been nothing but a good loyal customer to this loan company, we're on XX/XX/XXXX and if i lasted that long with them it's because of my loyalty, but i realized that my loyalty and kindness were taken for weakness, on XX/XX/XXXX i requested {$100.00} increase on my credit line, {$800.00} comes with an {$200.00} interest, {$1000.00} was paid back, i was rarely withdrawing money from my account unless i have an emergency, and i remember that i was planning to close this account forever, in XXXX i did talk to an agent about closing the account, but i was told on the phone that i don't need to close the account since there is no fees associated on keeping it, they convinced me that i should keep my account opened since i have nothing to lose. The most mistake that some loan company makes is thinking about themselves first, how much they could benefit from you ( which i understand, that's how they make their living ), but sometimes they're doing too much, i mean really too much, they'll make up some interests and fees, only to keep you on hold, and make sure you won't be able to pay off so they can benefit more. i came to notice a huge amount of fees interest charged to my account, and i really did not know where is coming from, my credit line was automatically increased to {$900.00} which i never asked, why increase the line without consulting me first, this is an absolute fraud, a perfect robbery. the only answer i got on the phone is i was qualified for automatic increase since i'm a good customer, they did not realize that they turn a good customer to a bad one. because i called my bank and blocked them, on the app it says {$800.00} credit limit but as i investigated in my statement, i see {$900.00} credit limit, i knew that {$800.00} credit limit can not generate those fees and interest even thought i withdraw sometimes. I think they're the one who owe me for overcharging me for a credit line that i never ask, in top of that i've been harrasse by phone for payments which they should be responsible and owe me.
Product: Debt collection

On XX/XX/XXXX. I paid third party XXXX who now goes by XXXX to send XXXX XXXX an Notice of Dispute to Arbitrate through certified mail. XXXX, XXXX XXXX XXXX illegaly sent me debt collection letters on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX failing to provide contractual evidence of us agreeing to do business nor there is any court judgement against me. I did not give this corporation any rights to contact me. I would like to exercise my consumer rights and challenge this matter. I enclosed receipt from XXXX  aka XXXX. I attached the Notice of Dispute document. I added the four debt collection letters.
Product: Debt collection

I am a victim of identity theft and someone used my personal information to obtain this fraudulent account in my name. I did not benefit from any goods or services of this account. I received some papers a few weeks being sued by XXXX XXXX. I have never had any type of loan with this company. I am requesting for all legal actions and collections to stop immediately. I have attached a copy of my XXXX  Report and police report to this correspondence.
Product: Debt collection

I do not have that much information because it is at the beginning stage. I received a call from XXXX XXXX XXXX. Stating that i had an unpaid credit card from XXXX XXXX Bank, and now it is in the collections stage. They said it was opened in XXXX on XXXX XXXX. This was the only information i received from them. After stating i was not going to confirm or deny any of my personal information over the phone they stated they would remove my number from the account. After I got off the phone i contacted the bank directly. I had them look up any information associate with my name and they could not find any such information. This company had my social information, but incorrect birth date and incorrect address. I looked at my credit report and no such charge was stated or occurred.
Product: Checking or savings account

I was charged {$150.00} on XX/XX/2023 and {$50.00} on XX/XX/2023. These were charges for incidentals at the XXXX. These were supposed to be returned within 7-10 business days and I have spoken to my bank and they assured me the funds would be released on XX/XX/2023 for the {$150.00} charge and XX/XX/2023 for the {$50.00} charge. The hotel claims they already released my funds. However they still remain as pending charges on my account. I have called their corporate office XX/XX/2023 and I was supposed to hear back on XX/XX/2023. I called again and was told to wait until XX/XX/2023 for a response and still nothing. The accounting manager emailed me saying he can not help me they have no access to my account. The fact is the XXXX is still holding my {$200.00} until XX/XX/2023. This is beyond a 7-10 business days policy.
Product: Debt collection

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$1100.00}.
Product: Debt collection

on XX/XX/2023 I received an email from Sequium Asset Solutions , LLC stating allegedly that I owe a debt to XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine for estoppel by silence. Engelhardt V Gravens ( MO ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In a good faith effort to resolve this matter amicably. I state my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature as well as the proof of your authority in this matter. Absent such proof you must terminate this collection action and correct erroneous reports of this debt as mine. For the record I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. I must ask for the following information please evidence your authorization under 15 U.S.Code 1692 ( e ) and 15 U.S.Code 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. A financial institution may not directly or through any affiliate, disclose to a non affiliated two party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 disclosure of instituition privacy policy.
Product: Debt collection

The caller threatened wage garnishment for a criminal complaint and said this was the final notice. I do have never had any criminal proceedings nor do I have a criminal record. The caller stated his name was XXXX XXXX from NAM Associates at XXXX. I was unable to find any information on this person and the NAM Associates I was able to find is in XXXX, NY and a forecasting agency with a phone number listed in XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in lights of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible in that tracking these funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also allow repeat offenders to exploit the system, leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

i got charged for door dash purchases in California, I am in Maryland, all my other purchases are in Maryland, and I even had purchases before and after these CA ones in Maryland on the same dates. I called to flag it, they changed the card number. Then there was another doordash purchase at a different CA merchant the next day on the UNACTIVATED card. I called to complain and the unactivated card was changed for another. Then even after that the unactivated card actually worked for a purchase in Maryland. They blamed it on autoupdate with the merchant, which I asked them NOT TO DO, but they said its not optional. I dont have a doordash account. I dont want one stolen card to be autoupdated ad infinitem just because they have a good relationship with a large retailer. i cant be the only one in this position. they need to change policy and fix their leaks.
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXX and Transunion said they didn't receive my identification card witch i sent it twice. so i called on Monday XXXX the agent gave me a email witch i sent my identification card. So now they are giving the run around about my identification card was not sent to the email cause it was a not the right email and I know it was correct cause i called back and talked to another agent and they told me it was the right email address. I need those items off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer report agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

This morning, I found accounts on my credit report that shouldn't be there, and I am completely baffled. I regularly check my credit report, and everything was fine until now. I even tried refreshing the page, thinking it might just be a glitch, but the errors remained. I dont understand how this could have happened, and Im begging for a detailed review of the documents Ive provided to make sure this never happens again.
Product: Credit reporting or other personal consumer reports

For XXXX XXXXXXXX I stated my emails XXXX and XXXX were getting flagged while using XXXX on my XXXX XXXX XXXX XXXX 

Now, instead of the situation getting resolved. I might add email XXXX to the list, also presenting problem during a recent transfer. My XXXX account deleted my checking account first and then when prompted I added the savings as the link account ( checking was not part of thew list anymore ) to only find that both account got removed from the 3rd party platform stating for my security this happened. This email ( XXXX ) was changed after XXXX didn't work at first when I set up my account to use XXXX, I had to come up with another email, so I switch it up for that one. 


On previous response I was told my profile has no issue and I can sign up for XXXX at any time. This is no true. I believe while your team is during the right investigation and finding nothing going on with my profiles, the other team who answers email from the institutions are the one going against you and doing the opposite. My Institution keeps communicating with XXXX  though the email proportionated to them and they keep responding my emails are part of a fraudulent transaction in the past with an institution. I don't believe this to be a reason why I should not use XXXX. 

You literarily telling me because I reported fraud on one account I'm eligible to open new Bank accounts in the future? That, my friend, HAS no sense. This is exactly what's going on here with that team communicating with my institution. 

I would like to have my emails XXXX, XXXX, and XXXX unflagged and unrestricted as soon as possible so I can continue using XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account Number XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address reporting on my credit report through XXXX XXXX XXXX XXXX XXXX md in 2009 and it belongs to XXXX XXXX XXXX I did not live at this address I was living with my parents in XXXX XXXX XXXX XXXX XXXX DE XXXX attending XXXX XXXX.
Product: Mortgage

I was quoted terms of 30 % down and a rate that I locked for a purchase application with Bank of America. I was advised I was approved and I locked my rate. I was told the loan amount required a secondary review and approval from a committee. After the loan went to their committee they arbitrarily increased the down payment from 30 % to 35 % quoting the amount of my reserves went down. Normal underwriting guidelines require 6-12 months reserves at max. I have six times the required reserves at the lower amount they state is the reason my down payment was arbitrarily increased. I am a 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 I am sure there is no guideline that calls for an increase of 5 % down. I requested their guidelines for this program and they refused to provide them. Since there is no guideline that requires the additional down payment security to be held/ paid, I believe Bank of America is discriminating against me because I am a minority. They obviously want to be in the best position, BUT they can not just pile on extra requirements unless they do this for all applicants and it's part of their underwriting guidelines. I can tell you that regardless of the program this is not standard practice. Their committee is selectively picking out individuals to increase their requirements for the loan based on something besides the guidelines. In my case I can not come up with any other conclusion except that I am being discriminated against.