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

Recently I did an investigation on my credit report which caused severe anguish and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 USC Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation and are not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15U.S.C.1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Debt collection

My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to XXXX. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from XXXX, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( TransUnion ) credit report. My latest credit report shows ( 13 ) credit inquiry/inquiries that I did not authorize. 


I have unauthorized inquiries on my TransUnion credit report the names are 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 I have not applied for anything therefore these inquiries shouldnt be on my credit report I havent given anyone permission to run or use my credit its my privacy right according to the FCRA.
Product: Mortgage

Hello. 
Writing regarding XXXX XXXX and the XXXX CFPB consent decree against them : ADMINISTRATIVE PROCEEDING File No. XXXX. 

I am a XXXX XXXX equity accelerator program ( enrolled since XXXX ) customer who met the criteria, per the consent order, to be reimbursed for fees and mortgage payments which were NOT paid to the bank/mortgage company as advertised. To date I have not been contacted by the company about a credit ; i have contacted them on several occasions requesting credit and customer service reps were unfamiliar with credit owed so essentially nothing happened towards making me whole and complying with consent decree. Contacting you for assistance and resolution, please. 

Thank you.
Product: Credit reporting or other personal consumer reports

What Happened : I have repeatedly sent payments to XXXX for my account ending in XXXX via registered mail with USPS, and USPS has confirmed delivery to the address provided by XXXX. Despite this, XXXX continues to report my payments as late, which is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have contacted XXXX customer service multiple times, where I was given different addresses for payment submission, yet XXXX either claims they have not received the payments or does not acknowledge receipt. 

In addition to these issues, I am opting out of having my credit card utilization reported to the credit bureaus. Despite my right to opt out, as provided under relevant privacy laws, XXXX has continued to report this information without my consent. Furthermore, I do not receive a monthly privacy statement from XXXX, which is required to inform me of my rights and options regarding the reporting of my personal information. 

Applicable Laws : XXXX  actions violate several federal laws and regulations : 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : This statute mandates that furnishers of information must report accurate information to credit reporting agencies. XXXX  continued reporting of my payments as late, despite confirmation of payment receipt, is a clear violation.

15 U.S.C. 1681e ( b ) : This requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy in the information reported. XXXX failure to update the payment status accurately reflects non-compliance with this requirement.

12 CFR 1022.42 : This regulation demands accuracy in the information provided to consumer reporting agencies. XXXX inaccurate reporting of my payment status violates this regulation.

12 CFR Part 1016 ( Regulation P ) : This regulation governs the treatment of nonpublic personal information by financial institutions, requiring them to provide a privacy notice. XXXX has failed to provide me with a monthly privacy statement, which is required to allow me to opt out of certain types of information reporting. 
15 U.S.C. 6802 ( XXXX XXXX ) : This law requires financial institutions to provide customers with a privacy notice that explains their information-sharing practices and allows customers to opt out of certain types of information sharing. XXXX has not provided me with the required privacy notices, nor have they honored my right to opt out of reporting my credit card utilization. 
15 U.S.C. 1681n ( a ) : Under this statute, any entity that willfully fails to comply with the FCRA is liable for damages of at least {$1000.00} per violation. XXXX continuous misreporting of late payments, despite evidence of timely payment, and their failure to provide a privacy statement, constitute willful non-compliance.
Product: Checking or savings account

I tried to withdraw funds from my Sofi account through XXXXXXXX XXXX Sofi is partnered with XXXX to provide banking services. I scheduled a transfer for {$300.00} and it was withdrawn on XX/XX/XXXX. The transfer did not complete successfully and the funds are stuck in limbo somewhere. The funds have been missing for an entire month. The trace number for this transaction is XXXX. XXXX XXXX  told me they are helpless to do anything and I would have to file a dispute through Sofi. I tried to do so and was told by Sofi that they do not have this capability. I have no recourse and no way to recover my funds.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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: 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 caused significant inconvenience and financial loss, and I seek appropriate redressBlock, 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 for these violations.
Product: Money transfer, virtual currency, or money service

Wired {$10.00} to my Regions checking account 0n XX/XX/21 from another bank to determine if the transfer information setup was correct. It did work but I found when receiving my statement they had charged me {$15.00} dollars fee for the wire transfer of {$10.00} when receiving my monthly statement. Called the Regions XXXX XXXX XXXX and tried for an hour to speak to management ( in meeting ) until they transferred me to a local bank who manages my account. XXXX XXXX, bank manager upon answering told me the {$15.00} dollar charge had been removed. The refund was correct but I felt that if I and others do not read the monthly statement carefully the charge or overcharge would not be noticed since I did not know about the charge until I saw the entry on my bank statement.To me this is a deceptive manner in conducting banking business. Depositing money in ones banking account by any medium should be free or no strings attached unless clearly advertised/notified in particular before the wire transaction is initiated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( 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 for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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, credit repair services, or other personal consumer reports

I was taking advantage of due to malpractice while several laws were being broken under the FCR BY YOUR company. This has caused me FINANCIAL INJURY, DEFEMATION OF CHARACTER, I CAN'T APPLY FOR JOBS AND I CAN'T APPLY for CREDIT I can't even get an XXXX LOAN OR ANY THING LIKE THAT DUE TO THE PANDEMIC under this crisis you have hurt my ability to obtain credit. My child and I are suffering, and my family have made a mockery of us, and my community has looked down upon me. I am ashamed of the things I am going through, and it is a nightmare for me and my loved ones. I am beyond fed up and I am willing to take this issue to the furthest extent of the law if a remedy is not presented under the federal law and uniform commercial CODE.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX  Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit card

In XX/XX/year>, I purchased an item from XXXX for {$210.00}, which I later decided to return. XXXX return instructions indicated that I had until XX/XX/year>, to return the item, as shown in the provided documents. I shipped the item back via XXXX on XX/XX/year>, using tracking number XXXX, and XXXX records confirm that XXXX received the package on XX/XX/year>. Despite returning the item well within the allowed timeframe, XXXX informed Citi Bank that the package was not delivered, leading Citi Bank to deny my dispute and leaving me without a refund. Additionally, XXXX system shows the return as stuck in processing, further delaying my ability to resolve this matter. I have provided Citi Bank with clear evidence of delivery, including XXXX tracking details that confirm XXXX  receipt of the package on XX/XX/year>. However, Citi Bank closed the dispute based on XXXX claim, disregarding the documentation I provided. I am seeking assistance from the CFPB to have Citi Bank reopen this dispute, acknowledge the proof of delivery, and issue a refund of {$210.00} to my account, as I believe I am entitled to a full refund under XXXX  return policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining AGAIN that I was a victim of identity theft with this. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the information; and ( 4 ) a statement from the consumer that the information is unrelated to any transactions. 
XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its inquiries on my report I did not authorize. I Reach out to the credit bureaus and they did not help. i am trying to buy a house and this is stopping me. i need this taking care of asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting. XXXX Account is listed as a charge-off for both XXXX and Experian, however reports a balance and past due balance. A balance can not be reported an a charged-off account and the reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified.

PLEASE DELETE the following account immediately for failing to comply with FCRA. 

XXXX XXXX XXXX THANK YOU FOR YOU TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to a payment arrangement with Ditech to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that Ditech had purchased and collected on. Ditech stated that the payments would reflect on all three credit reports, XXXX, XXXX, and XXXX. I have sent multiple requests to Ditech, XXXX, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from Ditech that state the account was defaulted on in XXXX, charged off in XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and XXXX. XXXX lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. Ditech stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices Ditech used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.
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 recent CFBP lawsuits highlighting significant issues with that 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 infeasible. The CFPBs findings indicate that Zelle had 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: Bank account or service

I issued a Check for {$7100.00} against my account, deposited in another Bank. 
Citibank returned the check as Has insufficient fund. 
This was not correct as I had some {$25000.00} in my debit card account, This money was with Citibank for more than one year. 
I asked a explanation, but nobody ( 4 different Managers ) was able to give one. 
They said that my account was blocked, but no explanation why was blocked, who had blocked, and no any information or communication about the block. 
3 day later they unblocked the account also without communication or justification. 
I asked for a letter to be sent to the bank where my check was deposited explaining that was a Error of Citibank the check return. They refused saying that was my error. How is possible If i had 3 times the quantity of the money available at my debit card account.
Product: Debt collection

I am receiving communication from XXXX XXXX at Kimbal , Tirey & St. John LLP at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX. XXXX They are asking me to pay {$14000.00} for a rental unit at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX, during the years of XXXX. 
I didn't fill an application to rent a unit XXXX rented a unit at the mentioned property. I own a house at XXXX XXXX XXXX and have been living there since XXXX of XXXX. 
I never authorized to rent a unit on my behalf NOR I signed as co-signer for any rental unit. 
Please ask this Collection Company to stop harassing me. 
Thank you!
Product: Debt collection

A representative with Cambridge Asset Management advised that there was a civil and a criminal suit against my social security number. She could not tell me anything other than the year the debt was incurred and the name of their client. I have disputed XXXX XXXX several times with the credit bureaus as I was a victim of identity theft when my wallet was stolen back in 2002. They wo n't provide anything in writing. They just want money like its a scam.
Product: Vehicle loan or lease

BEING A TOYOTA CUSTOMER HAS BEEN MY WORST EXPERIENCE, WORST NIGHTMARE, FIRST WITH ALL VEHICLE ISSUES SUCH AS TRANSMISSION DEFFECTS AND OTHER ISSUES THAT TOYOTA NEVER ACCEPTED IT'S RESPONSIBILITY ( WORST FOR THEM BECAUSE IF THEY DO NOT RECOGNIZE THE ISSUES, THEY'LL NEVER FIX/IMPROVE THEIR VEHICLE 's DEFFECTS. FINALLY MY XXXX WAS RE-PURCHASED FROM XXXX, UNFORTUNATELY UP TO THIS MINUTE I HAVE NOT BEEN ABLE TO GET REIMBURSED THE EXTRA PAYMENTS I DID ON THAT VEHICLE AND THIS GUYS : XXXX XXXX XXXX XXXXXXXX XXXXt/TOYOTA - XXXX XXXX XXXX ( XXXX XXXX XXXX HAS JUST STOPPED REPLYING TO MY EMAILS AFTER HE'S JUST BEING PLAYING GAMES SAYING A CHECK HAS BEEN REQUESTED BUT THAT'S IT, I'VE ASKED OTHERS AT TOYOTA FOR HELP TRYING TO GET MY MONEY, BUT SAME THING, NO ANSWER AS OF YET..!!! I'M SICK AND TIRE OF THIS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  made previous claims that they investigated consumer credit on XX/XX/XXXX and it met FCRA standards so they refused to investigate anymore. Attached document will show this was illegal and a violation XXXX XXXX XXXX  participated in to avoid investigations. Attached is a deletion document as well as a credit report verifying all this information. It should also be noted CFPB and company did not investigate claims as its very clear with this data how corrupted file is. This comes after XXXX XXXX XXXX last CFPB dispute which has XXXX attachments to click on and validate ( also a violation )