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

Hi, I have gotten a notice from XXXX stating my XXXX loan that I had with them of {$28000.00} has been paid in full, I also have an online account with XXXX and still till today, when I log in, it's stating that my balance that I owe is {$0.00}. Per XXXX, they had reached out to all three credit report bureaus to inform them of this information. XXXX and XXXX has showed the correct update of that balance of {$28000.00} being paid in full but Transunion is still showing that I have a balance with XXXXXXXX XXXX XXXX of {$28000.00}. I've been calling and speaking with the rude agents at Transunion and they are stating that XXXX had updated them on XX/XX/ stating that I still have a balance with them which is incorrect. At this point I don't know what to do, I'm literally being tossed around and getting absolutely no where. I would gladly appreciate if you can please help me with this issue. 

Thank you, XXXX XXXX XXXX
Product: Credit card

I applied for XXXX XXXXXXXX XXXX  credit card in the end of XXXX. My application was not processed. On XX/XX/XXXX which is national holiday in the US I received a call from Barclays card which started to ask me strange questions about my income and other information mentioning that this is for XXXX XXXX card. 
I was concerned that this is a fraud because if the strange date ( XX/XX/XXXX ) and the questions and asked to cancel my application. 
Later on my credit score dropped. 
I think it was highly inappropriate for Barclays to call on this day and I still not sure if this was a fraud. I would like to ask to research this complain and ask Barclays to restore my credit score.
Product: Debt collection

I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} ; MEDICAL XXXX Balance : {$32.00} ; XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING FRAUDULENT ACCOUNTS NEEDS TO BE DELETED NOW
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iwouldliketorequestthesuppressionofthefollowingitemsfrommycreditreport, whicharetheresult ofmyfallingvictimtoidentitytheft
Product: Debt collection

Rozlin Financial Group has reported on my credit report that I owe XXXX to XXXX XXXX XXXX XXXX. 

I have disputed the charges twice with XXXX, however XXXX states they have certified the information to be correct. I provided XXXX with the documents that Rozlin Financial Group provided to me which clearly shows payments being made to this alleged account. 

There are three issues that I have : 1. I have fulfilled my obligation with XXXX XXXX XXXX XXXX   years ago ( I only had an account one time ). 

2. How can you provide documents of payments being made, but then report 0 payments? 

3. Where is the contract that obligates me to these alleged new charges?

I have attached some of the documents that were sent to me. You may request they send you the same. One of the documents were drawn up as of XX/XX/2019. Company 's should not be able to fabricate documents that impacts people 's lives tremendously!
Product: Debt collection

I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
Product: Credit card or prepaid card

XX/XX/2021 I received a call regarding unusual charges made to my credit card. I responded they were not mine. On XX/XX/XXXX I received a letter they were holding me responsible for the charges. Calling me a liar. I filed a police report for identity theft on XX/XX/XXXX after sitting in the bank for hours trying to resolve this. The officer who has the case has at least 2 films of a man with a face mask and hat using a card that had been made from skimming my card since I always had my card in my possession. Went back to the bank and sat for hours more with no outcome. Last I heard from speaking to customer services was that they havent determined if they are going to reopen this. They want me to pay minimum which I did once but will not do so again probably ruining my credit. I just want the bank to refund my {$35.00} and be done with it
Product: Credit reporting or other personal consumer reports

I have attempted to dispute multiple accounts with experian, XXXX and XXXX and they have failed to correct the inaccuracies on my report. there are accounts that I am not liable for, and they these agencies have not supplied proof of my wet signature and many of other violations on my behalf as a consumer. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ). I will list the accounts that are inaccurately reporting and I would hope that you correct and look into these errors. I am a servicewomen and I am fighting for OUR country and I know this is a violation of my rights under 15 USC. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX, creditor : XXXX acct XXXX XXXX XXXXXXXX these are these accounts that are misleading and reporting inaccurately on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and the unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely ane 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 for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I created an account with Experian to check my credit report. After successfully creating my account, I logged in to view my credit report. However, Experian stated that I have no credit score to view. This was puzzling to me because I have 47 credit accounts that are paid off and closed, all of which are showing on my Experian credit report. So, why don't I have a credit score?
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation!! Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!

I have attached an id theft report, proof of identification, proof of address, and social security card for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Product: Checking or savings account

I and many other customers have not received our direct deposits this week.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX sent a check on my behalf of {$470.00} to Affirm to pay off my loan I have with them. The check was sent on XX/XX/year> and Affirm cashed the check on XX/XX/year>. I called Affirm on XX/XX/year> to see why my check wasnt reflecting on my account and they told me I needed to wait the 10 business for it to reflect. So I waited. The business days were up and the check still wasnt in my account, so I called again. Then I realized that my last name on the check and last name on my account werent the same, because I legally changed it, so I told Affirm and they fixed it. After that, the check still wasnt reflecting on my account so I called again, they said the check was under investigation and I would hear from the team that deals with that in 3-5 business days. So I waited. 5 business days later, I still didnt hear anything. So I call again and get told the same thing and still nothing. Ive called around 30 times looking for answers and no one at Affirm can seem to give me any. It has now been over a month and my check still isnt reflecting on my account.
Product: Debt collection

My credit card was stolen, it was a card I barely used so by the time I realized it was stolen the thief already made the charges. Wells Fargo allows the thief to charge {$3500.00} OVER MY CREDIT LIMIT my credit limit was around {$3000.00} and they allowed the thief to charge almost {$7000.00} in purchases. I tried to talk to the fraud department at Wells Fargo they did not help. 

I filed a police report with the XXXX. The theif took my card and WAS ALLOWED TO CHARGE {$7000.00} which was {$3500.00} OVER THE CREDIT LIMIT. This is fraudulent and should never have been allowed to happen. This happened in XXXX XXXX
Product: Debt collection

Received repeated automated calls from several different numbers stating that action was being taken against me. When I press 1 to speak to a person, they say I owe a debt for a credit card that went to collections. Per the attached document, I settled this debt in 2015. Their response was that they don't work on commission so why would they lie. I don't care if you work on commission, I don't owe any money on this account, please stop calling. After several to attempts to explain that the debt is paid, they sent the attached letter saying that due to lack information provided, they have been unable to complete their investigation of my account. I then mailed them the attached letter showing no money due for the account in questions, and continue to receive calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the list of corporations/accounts Below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 section 602a States I have the right to privacy. XXXX XXXX for {$650.00}. XXXX XXXX for {$1400.00}. XXXX XXXX  for {$750.00}. XXXX XXXXXXXX XXXX for {$880.00}. XXXXXXXX XXXX  XXXX for {$100.00}. XXXX XXXXXXXX delinquent account. 15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions or consent. 15 USC 1681 C ( a ) ( 5 ) States no consumer reporting agency may make a consumer report containing any of the following items of information.any. adverse items of information other than records conviction or crimes antedates by the report by more than 7 years. 15 USC 1681 s - 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: Debt collection

Mountain Run Solutions appears per my credit report to be collecting for XXXX  which is a bogus and fraudulent collection on my credit report. I didnt even know about it until I looked at my credit report. I disputed it numerous times with XXXX and to date and thus far hasnt fixed it even acknowledged that I have this debt. 

I was a perfect customer and fulfilled all of my obligations with XXXX. 

I have never borrowed or entered into any contract with Mountain Run Solutions or know who they are. I never received any notifications by text, phone, email or mail from this company regarding why they claim I owe this debt, nor did they provide me with any or my rights to dispute or validate this allege debt. 

I discovered this was merely placing a collection on my report. 

I feel this needs to be off of my credit immediately.
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 fail 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 system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because you said that you verified verified that I have an unpaid debt with these companies and yet you have failed to provide me with a copy of any viable evidence submitted by them. Therefore, you need to remove it from my ChexSystems report. You also changed it to " PAID IN FULL '' status. Since it is paid, it should've been deleted from my ChexSystems report. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to notify them of identity theft. They did not investigate. They sent me a letter basically stating that I have to contact the creditors before I can contact them. 
Second time I sent a certified letter notifying them of identity theft and to block the information from appearing on my credit until investigation is complete. I submitted a police report and all other documents showing proof that I am an XXXX data breach victim and there were numerous complaints of fraud on my personal banking accounts which led to insufficient funds to pay for my bills. Experian sent me a second lettter stating to submit a police report etc all which has already been submitted. I called experian and they basically hung up on me before anything could resolve. I called them again and someone hung up on me.
Product: Mortgage

My husband and I started our home buying and construction loan process with XXXX XXXX in XXXX of 2018. We had never gone through a construction loan before so we had let XXXX know this. We had issues with XXXX not being honest with us about interest rates and really did not hear back from him until it was time to close, after closing we had some issues and was directed to the wrong person by XXXX, the contractor taking 2 draws from Gateway Mortgage and cash from my husband and I had given him, XXXX also told us that a contractor had never stolen money from a customer or a mortgage company before and then we never heard from him again. We recently settled with the contractor 's insurance company and started repairing the little things that were left to be done as the contractor had completely demolished the inside of our house and then never did any work so he had to be fired. XXXX XXXX, who included XXXX XXXX in this email as well had contacted me back in XXXX before we settled with the contractor 's insurance asking for us to complete the repairs needed in the house as they needed to close our construction file and remove the lien on our property. So as we finished what was required, I sent XXXX XXXX an email back asking what I needed to do to have the lien removed, she replied back asking for the information of my loan officer and the title company in which XXXX XXXX was included in again, I sent all the information needed along with a copy of the lien. I never heard back from XXXX XXXX again and never heard from XXXX XXXX at all in this matter and I contacted XXXXXX/XX/XXXX manager but never heard from him either. I contacted XXXX XXXX as she was the only person throughout these 2 years of dealing with Gateway and being a PAYING customer of Gateway that had consistently responded to my emails. I called XXXX XXXX 's office and spoke with his receptionist, left a message for him to call but never got a return call. I wrote this email to XXXX stating that I was going to contact XXXX and XXXX 's superiors to let them know that these employees do not care for customers and did not respond. I then got a response back from XXXX stating that she had been searching for the lien in XXXX county but could not find it and that it probably did not exist. I then responded back and stated that I sent all of that information to her and that the lien was in XXXX County in which was in the previous email that I sent. I thought that Gateway would have all of this same information that I provided as they are the mortgage company that we have our home loan with. I do not believe that Gateway cares about their customers, XXXX XXXX obviously got our business and then never have any communication going forward. These 2 years with Gateway has been a terrible experience as I feel the only employee that they have that was honest and returned communication was XXXX XXXX. I would never recommend XXXX XXXX or Gateway to anyone.