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

I have contact the credit Beau three times filed disputes concerning my credit report not being current are updated in three are so years and bc of this I have over XXXX hard inquiries from being denied housing car leases they are continuely reporting my student loans late although I have called the department of education and verified that they are not and hasn't been in years this has caused me to be homeless and without means of transportation for almost 3yrs now they show on my report that my report has not been updated since XXXX but it's actually XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$840.00} XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$1400.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$450.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting 11 % credit usage, using less than 3 %.
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 Customer 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 card or prepaid card

My Bluebird account was previously linked to a prepaid debit card ending in XXXX as a funding source. This card, issued by XXXX XXXX XXXX, was reported lost/stolen and a replacement card ending in XXXX was sent. I attempted to link this card, issued by the same bank, to my Bluebird account and the error messaged I received stated I need to check billing address and or CID code.. Prior to this, I received a different error message stating there was some type of system error and to try again later. I received varying different reasons for such error, three in total. Most recently, I've encountered a different error message when the same card type was linked prior, as stated before. Again, I received varying reasons for the error, the first gentleman I spoke with stated he could see my card linked on his end and that I needed to verify trial debits on my card, he instructed me to go back on Bluebird site to verify such debits. He was explained several times that I do not see what he is seeing on his end and that it showed my card was NOT in fact linked. A person by the name XXXX XXXX replied stating again that a prepaid debit card is not allowed as a funding source when such card was in fact linked prior.. This is the same individual whom refused to investigate fraud charges made on my account and had to resolve some of them directly with merchant, XXXX XXXX XXXX XXXX, he or she finally relented after numerous CFPB complaints and decided to investigate charges made from XXXX in which someone payed a " freakslette '' two amounts of XXXX and XXXX on XX/XX/XXXX using my card. Additional fraud transactions to XXXX XXXX   XXXX XXXX were resolved after filing complaints against merchant directly. As you can see, this individual will not relent unless repeated complaints are filed and has directed me to call Bluebird and ask for " FLOS '' department with questions about this matter ... No further calls will be made, complaints will be filed instead as I've already made attempts to resolve directly, which have gone nowhere. Their service is very poor to say the least and only offer useless apologies for it.
Product: Credit card

Timely payments on this account have always been my priority, ensuring no instances of overdue status. I'm uncertain about the origins of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections are necessary.
Product: Debt collection

XXXX, want to collect {$8.00} dollars postage charge which I did not own. Instead of communicating with me in person, they just sell my personal contact information to a debt collector without my personal consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXXXXXX 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 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 reason.
Product: Money transfer, virtual currency, or money service

I paid a mechanic through cash app for my car parts on XXXX XXXX there were 3 transactions totaling XXXX however the mechanic never came to repair my car nor did the mechanic give me the parts I paid for. I reached out to the mechanic who told me they would refund me but, never sent my refund and the mechanic is now in jail. I sent all screenshots of the messages we sent back and forth including the one where he said he would refund me when I filed my report with cash app. I reached out to cash app because I had not heard from them thats when they told me my claim was denied. I asked would information be provided to me to file an appeal I was told my case was escalated and someone would reach out. I then received an email saying they needed more information and it was the same information I have been providing.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and today is XX/XX/XXXX. I'm reaching out because I've discovered that I'm a victim of identity theft. Upon reviewing my credit report, I've noticed unauthorized credit card accounts, inquiries, collections, and late payments that were made without my knowledge or consent. It's imperative that these fraudulent activities are addressed promptly to mitigate any further damage to my credit. I kindly request your assistance in removing these unauthorized accounts, inquiries, collections, and late payments from my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

XXXX - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report witho
ut delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Mortgage

I have attached all the documents I hav e. Ocwen is not ac counting correctly. Also back in  XX/XX/XXXX , they claimed I had check returns ... .I have never in my life wrote them a check. I have auto-pay setup for the debit in the   XXXX   of the month. It 's up to them to retrieve these payments, this is how they had it set up. However,  four da ys later they continually would charge me a late fee of  XXXX . In   XXXX   XXXX  , they debited the funds on the  XXXX , and then charged me yet another late fee for the next 3 months.. and a returned check fee ... .Again I have never wrote a check to them. And I have never allowed a auto-payment to go through if the funds were not available. Also, back in  XXXX  I filed chapter  XXXX , and the courts paid what I was behind in, which was about  XXXX . This was during the transition from  Litton Loans to Ocwen, all those payments went to Litton, and Ocwen recharged me for them. When Ocwen came in to play, they put that amount back on, and I have   gone rounds with them for the last few years, and to avail. So I am seeking your assistance.   Also looking at my Payment History they have several times were it states that the payment was reversed ... .NEVER have they or I did a reverse payment. For the payment in   XXXX   XXXX   they claimed that a payment of  XXXX  was made, I NEVER paid that amount, never a partial payment, You will have to really look over all that I have submitted, they are doing me in. The statement are so confusing that I do n't understand them. However, I am always correct on how I do business. Also, I redid my mortgage and it was at a fixed rate of 2.00072 % as of   XXXX  , that was corrected to be 2.00 % in   XXXX   XXXX  . However, along the way in   XXXX   XXXX  , it changed to 4.00 % without any notice. Then   XXXX   XXXX   at 4.00 % my fixed payment was  XXXX ,   XXXX   XXXX   is changed to  XXXX  again without any notice.   XXXX   XXXX   still at 4.00 % ( 30 days later ) it changed to  XXXX  ... .and my balance is not going down much.   Looking at my Insurance activity, I 've always had Farmers insurance but  Ocwen  slapped their own company  ( American Security Group ) on  there when it was time to renew. They denied  Farmers  during that time. That started sometime in  XXXX , seems like they were following the dir t Litton was doing.    Please  Advise V/r    XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I have been requesting an account to be investigated because it should not be on my consumer report. I have noticed that the complaint was never resolved XXXX this is the compliant ID. I have already provided court document proving my claim and now I am being ignored by the consumer reporting agency. That is totally a violation of the FCRA. I have a right to challenged the inaccurate information furnished on my consumer report and to deny me a fair investigation leads me to believe that XXXX XXXX has never provided adequate proof of their claim. Maximum accuracy is required when furnishing information on a consumer report. I have submitted everything necessary to have this account removed and only XXXX deleted it XXXX and Experian are still furnishing false information regarding this account. 
XXXX XXXX XXXX - XXXX
Product: Bank account or service

Usaa bank and its evil CEO XXXX and XXXX XXXX ( ext XXXX ) illegally closed my account down after being identity theft then kept over {$15000.00} in my accounts
Product: Credit reporting or other personal consumer reports

I place a dispute on the derogatory remark of the collection company XXXX XXXX because the company lost their case in court due to fail to attend. Due to this situation this account should not be in my credit report. TransUnion failed to delete this from my report
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, Equifax, and XXXX for their failure to investigate and remove multiple unauthorized and inaccurate accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. For the past four months, I have repeatedly disputed these accounts, providing an FTC identity theft report, an affidavit of truth, and supporting documentation, yet the credit bureaus have failed to take appropriate corrective action or respond within the legally required timeframe. 

Disputed Accounts Violating FCRA Regulations : XXXX XXXXXXXX XXXX  XXXX Added as an authorized user without my consent. 
XXXX XXXX XXXX debt buyer attempting to collect and report an account without proper validation, violating 15 U.S.C. 1681b ( permissible purpose ) and 15 U.S.C. 1681s-2 ( a ) ( furnishing accurate information ). 
XXXX XXXX XXXX ( XXXX ) Charge-off account with reporting inaccuracies and unlawful re-aging, violating 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX Charge-off account that has been misreported and unlawfully extended beyond permissible reporting limits, violating 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$970.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$910.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ). 

Legal Violations & Consumer Rights Violations : Debt buyers like XXXX XXXX and XXXX XXXX XXXX are not original creditors and, under 15 U.S.C. 1681b, they lack permissible purpose to report or collect on these accounts without proper validation. 

The charge-off accounts ( XXXX XXXX XXXX and XXXX XXXX ) have been unlawfully re-aged, violating 15 U.S.C. 1681c ( a ) ( 4 ), which limits charge-offs to seven years from the date of first delinquency ( DOFD ).

15 U.S.C. 1681e ( b ) and 1681i require credit bureaus to maintain accurate reporting and promptly investigate disputesall XXXX bureaus have failed to comply. 
XXXX XXXX. XXXX ( a ) prohibits furnishers from reporting inaccurate or unverifiable informationthese accounts remain despite my XXXX months of disputes.
Product: Bank account or service

I had XXXX charges that cleared last week, then my Wells Fargo account went negative qith XXXX charge. When I looked at my account again, XXXX or XXXX of the cleared charges had now shown a date that was after the account went negative. The next day, all XXXX charges were now after the overdraft date and the bank charged me a {$35.00} late charge for each of these purchases ( between $ XXXX ). So, I am even more negative now ( from {$170.00} to {$340.00} ). Also, within the last month, I have gone negative XXXX, but the bank later reversed the charges -- was charged an overdraft fee for each instance even though the overdraft had been reversed by the bank.
Product: Credit reporting or other personal consumer reports

1. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX XXXX XXXX account number ending XXXX and account number ending XXXX. It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

2. The hard inquiries by XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX, are unauthorized and had no permissible purposes to access report. Both of these inquiries ' shall be removed from the report. 

3. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

4. There is an charge off account reporting by Transunion named XXXX XXXX. A charge off is considered income and a certificate of indebtedness and income is not reported to a consumer report. This account must be removed immediately
Product: Debt or credit management

Lexington Law promised to help with credit repair and has not fulfilled that need
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account XXXX has Violated My Rights Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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
Product: Mortgage

I have received multiple letters and phone calls from HSBC regarding complaints lodged by me for the way they handled my recent refinance. In each instance they make promises about when they will call and talk to me as well as when I will hear back from them in written form. Once again they do not live up to their promises or meet their obligations. The most recent dates that they committed to and that have come and gone were a return phone call that was suppose to happen on XXXX/XXXX/2015. And letters to me promising a written response back to me by XXXX/XXXX/2015 and again by XXXX/XXXX/2015. None of which happened. I am asking that you please take some kind of legal action against them on my behalf. They are not a reputable company to do business with.
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 highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepanciesXX/XX/XXXXXXXX XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

I received an ACH payment from a client on Tuesday XX/XX/XXXX. In reading the information present on the website, it should be 1-3 business days. I confirmed the payment was being processed the day it was paid and I have yet to receive the funds. 

I contacted novo support on XX/XX/year> to check on the status and I was told that they dont see anything pending after sending a screen shot of it saying processing for the entire week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that you remove the fraudulent accounts I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts from my Credit File at the earliest possible time : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$610.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove the disputed accounts since these accounts resulted due to identity theft. I request of you to please comply with the law and have the disputed items removed soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.