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

Hi, I have been trying to resolve this situation for the past three months and it has not been, successful. I have incorrect inquires on my Transunion credit report from date XX/XX/2021, XX/XX/2021 & XX/XX/2021. I made it clear to Transunion numerous times, send out three letters via certified mail, stating that I have not made any inquires on my credit report for the above date. I have been unsuccessful with getting a resolution for these unauthorized inquiries. 

I have two incorrect inquiries on my XXXX credit report from XX/XX/2021. I have made numerous attempts by sending letters via certified mail to XXXX to remove these inquiries from my credit report and it has been unsuccessful.
Product: Checking or savings account

After 1 year, discover finally returned my {$1000.00} money. They deposited the money into my checking account. However I lost access to my checking account on the day the money settled. I was not able to log onto my mobile app. I had contacted discover multiple times. They said they had some technical issues on their end and would call back but they never did.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian & TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax, Experian & TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Experian & TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian & TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

I recently saw  the director  on  XXXX   XXXX  and it gave me the motivation to state my experience. Here it goes.     I graduated with a   XXXX   and went into a   XXXX   XXXX   /   XXXX   XXXX   under a paid grant service agreement because I 'm working in   XXXX   XXXX   .I h ave to work for 2 years for every year I went to school ( not sure if this is I had a loan during my  XXXX , but still was in school so it was in forbea rance. Stafford   Loan, OWED    Current Principle :  XXXX  Current Accrued Interest : {$1700.00} Total Balance : {$56000.00} Estimated Interest Accuring Monthly :  XXXX  Estimated Accrued Interest when your forbearance ends :  XXXX  ( Whoa!!!!, I just realized that they are taking advantage of me. ) Finished my   XXXX   XXXX  . in   XXXX   XXXX   and finished my units for my   XXXX   XXXX  , but still need to complete my units. Technically, I have 5 years to complete my thesis under my agreement. I 'm just finishing my second year of   XXXX   as a   XXXX   XXXX   XXXX       In   XX/XX/XXXX , I received a call from GREAT LAKES EDUCATIONAL LOAN SERVICES, INC. They let m e know that I have n't paid my loan for 3 months. I did n't receive a letter in the mail notifying that I owed anything. They said they have been emailing me at an old  XXXX  account. I got no letter, no phone call, I feel, until it was too late. When I did finally talk to them, I let them know what was going on and they approved my request for forbearance until    XX/XX/XXXX .       Meanwhile, I needed to move and get a new car because my car got totaled and ran my credit which is considered very poor, making my quality of life very hard. Plus, I 'm an   XXXX   XXXX   and needs a car to travel to my  XXXX  schools to   provide service to my   XXXX  .     Everything became very overwhelming and un-affordable.     I called Great Lakes after my credit check to ask them to help me fix my  credit score  issue because I needed a car. They told me there was nothing they could do because I did n't make a payment for 3 months. I begged talked to supervisor 's, no compassion. I feel hopeless because I want to move, but I ca n't because no one will accept me without a cosigner or high interest rates. Please help, not sure if this situation qualifies for your services. Thank you for all you do and giving people a voice.
Product: Credit reporting or other personal consumer reports

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per XXXX XXXX XXXX, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My mother stole my identity back in XXXX XXXX and opened up several credit cards in my name. She had all my information because I am her daughter. She never paid off the full amount of credit cards and the bills went to collections. I never authorized these accounts to be open.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHARGE OFF IS INCOME THAT HAVE TO BE REPORTED TO THE IRS. 
WELLS FARGO CARD SERVICE has been marked as a CHARGE OFF On my CONSUMER REPORT. 
I want a 1099c sent to me. Any amount Over {$600.00} is TAX FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Prepaid card

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
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 Regulation E, these actions have cause significant inconvenience and financial loss and I see appropriate redress for theses violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Open Date XX/XX/XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms must remove late payments under CARES XXXX act
Product: Credit reporting 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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i traded my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX and received the title for the transaction. The check was short XXXX and no one was made aware of this. XXXX XXXX put late fees and charge off on my credit report. I obtain a letter from XXXX XXXX explaining how this is their responsibility and that it should not be any late fees or charge offs on my account. I have talked to XXXX XXXX about this 5-7 times now. Each time i was told my account will be fixed, so far no updates. Been trying since last year to fix this situation.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Money transfer, virtual currency, or money service

I am writing to express a concern about Zelle 's handling of disputes, in light of the recent CFPB lawsuit, which highlights significant issues with the company platform. Ive using Zelle many times and reported discrepancies, but my financial institution and Zelle failed to investigate my claims in a concise manner. They informed me that getting the lost funds was impossible and tracking the transactions was out of scope. The CFPB 's findings show that Zelle has both neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I am writing to provide a formal statement regarding certain accounts listed on my credit report that I believe to be fraudulent. I wish to make it clear that I have no knowledge of, nor have I authorized, any of the accounts in question. 

The accounts in dispute are as follows : XXXX Account Number : XXXX I assert that these accounts were opened without my consent or knowledge. I have not received any correspondence or notifications related to these accounts, nor have I engaged in any transactions or agreements with the entities associated with them. 

I take my financial responsibilities very seriously and have always been diligent in managing my credit. The presence of these fraudulent accounts on my credit report is distressing, as they do not reflect my financial behavior or obligations. 

Responsibilities of Credit Bureaus When Identity Theft Is Reported Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have specific responsibilities when identity theft is reported : Investigate Disputes Promptly : Upon receiving a dispute regarding fraudulent accounts, the credit bureau must conduct a prompt and thorough investigation into the accuracy of the disputed information ( 15 U.S.C. 1681i ).

Block Fraudulent Information : If the dispute is substantiated, the credit bureau is required to block the fraudulent information from the credit report within 4 business days of receiving notice of the fraud ( 15 U.S.C. 1681c-2 ).

Provide Written Confirmation : The credit bureau must provide written confirmation once the fraudulent information has been removed from the credit report and inform me of the outcome of their investigation.

I have already taken steps to address this issue by disputing these accounts with the credit reporting agencies and providing necessary documentation to substantiate my claim of fraud. I respectfully request that these accounts be investigated thoroughly and removed from my credit report as per the legal obligations of the credit bureaus. 

Thank you for your attention to this matter. If any further information or documentation is needed, please do not hesitate to contact me.
Product: Debt collection

In  XXXX  a judgement was obtained against me for delinquent homeowners association fees and assorted late fees and attorney/collection fees. The company representing my homeowners association wa s Hindman Sanchez i n  XXXX , Colorado. The debt was satisfied the same year and in  XXXX  a satisfaction of judgement was filed with the court and a copy was sent to me. Approximately two weeks ago I received a letter from  Hindman Sanchez dem anding payment for the debt that was already declared satisfied, this statement showed balances, with late fees and collection fees from the time of the original delinquency,  XXXX , through  XXXX  of  XXXX , over a year after I received notice of satisfaction of debt. I also discovered they had placed a lien on my property in early  XXXX . The letter was sent to an address I have n't lived at for several years, fortunately it was forwarded to me. This is another typical tactic of theirs, sending correspondence to addresses they know are incorrect. That is part of the reason that I accrued the initial debt that was declared satisfied in  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I was frauded by a sales rep for a billboard company stating she was selling space on this billboard for my XXXX. She rushed two large payments upfront pushing and hurrying everything. Then I received a call from the actual owner telling me she had no authority to place my ad on the billboard and attempting to get me to sign with them. Long story short they entered into a lawsuit between these two companies with me stuck in the middle. This happened in XXXX of 2018 and then I was notified in XXXX on 2018 by actual owner. Both businesses have said they are not pursuing me for these charges and they will work it out in their lawsuit between themselves. I have supplied all the documentation to Capital One and notified them immediately after I was notified telling them not to pay XXXX  and gave them the support. Over the last XXXX years I have spoken to 17 different Capital One supervisors, collections people etc. I have upload support on their online portals and have  begged them to get this off my credit. I even overpaid them by {$1800.00} which was confirmed by one supervisor. They all say they will call me back and we will get this resolved yet nothing happens. Six of the supervisors removed it then the next month it would be added back. Only one supervisor walked through every charge and payment and she agreed that I overpaid them. Yet they have filed a negative report on the credit as a charge off. This is hurting my credit and ability to get loans needed during this time. I have the support and can upload to your site as well. Please help!
Product: Debt collection

I have a a unverified account from PENN CREDIT CORP # XXXX. I had previously disputed this account. I have never done business with PENN CREDIT CORP. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt
Product: Debt collection

Debt has me as cosigner, no notification, or information to verify debt. Debt is not mine.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}