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

TO WHOM IT MAY CONCERN : In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I signed a short term lease while I was in Texas, I was drafted after I already signed the lease but was told ball players could get out of there lease at anytime. I went to the community and advised them of course the lady that was there when I signed the lease no longer worked there and a man advised me no that is not accurate and if I leave I will still have to pay the entire lease which I signed even if they rent the unit out to someone else. So I did I paid every single month to not have any negative remarks against me. When I left I turned off all utilities that were in my name also. Every month the actual rent included trash pick up, water which was a flat fee of XXXX and pest control. I received the ledger of the so called charges and every month per even the ledger reflects the electric being XXXX to highest XXXX which started in XX/XX/XXXX which I was n't there. I should not owe anything to this company. I feel I am being taken advantage of and after paying for a unit I was n't even at. I do not know this for sure but I am sure this company rented it out also and did n't leave it vacant. I and a firm which is trying to help me resolved requested validation of what I paid in and some other information which this company is failing to reply with. Now I have a collection agency Hunterwarfield on my credit and calling me for payment which I do not owe. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

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

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

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

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Checking or savings account

On Monday XX/XX/XXXX, I deposited XXXX checks drawn on my Attorney 's escrow account at the XXXX XXXX branch in XXXX, GA. I have been a XXXX  customer for many years since they bought XXXX XXXX. I have a checking account, business acct. and a XXXX credit card. 
The XXXX check deposited into a new money market acct was {$100000.00} of which {$25000.00} was moved to my checking account. The money was available XXXX days later on Wednesday XX/XX/XXXX. 
The other check in the amount of {$220000.00} was deposited into another new money market acct. As of Friday this check, again drawn on a law firms acct. was still unavailable. After an hour on the phone with XXXX  fraud dept. the funds were made available. Later that day Friday night I again checked the balance and ALL OF MY ACCOUNTS INCLUDING MY EXISTING CHECKING ACCOUNT NOW SHOWED XXXX BALANCE AND XXXX AVAILABLE FUNDS. 
I again called XXXX  Bank and after XXXX hour and XXXX minutes of hold time I was informed that XXXX  had waited till the end of the day Friday XX/XX/XXXX to attempt to verify the check. NOTE : The XXXX area was now under emergency conditions due to weather. The only person at the law firm was in the real estate dept. and informed XXXX  that he was unaware of the checks since this isn't his dept. XXXX  in their infinite wisdom took this as possibly fraudulent checks and froze ALL MY ACCOUNTS. Today is Sunday and merchants are getting payment declined messages when attempting to clear scheduled payments. 
Also I am losing money everyday that the XXXX Money market accounts are not receiving the XXXX % interest on the money market accounts. I hoping your agency can look into this ridiculous handle of check clearing XXXX  days after the deposits on a snow/ice emergency on a late Friday afternoon. This is totally unacceptable behavior by a XXXX XXXX Bank. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point XX/XX/2019 I would like CFPB to a full investigation, started from the source ( 1 ) .XXXX  XXXX XXXX XXXX , then ( 2 ). E-OScar then ( 3 ) the credit bureau. By process of illumination, I now believe that E-OScar is responsible for distributing incorrect information, to the bureaus. This XXXX XXXX  account XXXX has never been reported correctly for the last 5 months in all three XXXX, XXXX, EXPERION. 
Look at the attachments you will see the proof!.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hasviolated my rights. 



I did not consent on and inquires on my 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 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 proce 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 2 financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am reporting issues with my Zelle acct and want to report all loss money that was sent out and received.
Product: Credit card or prepaid card

I canceled my credit card, after that I have a refund that XXXX  made me to receive on this canceled card and a dispute that the bank owes me a deposit 5 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.My first complaint after 3 months they sent me a letter saying they would deposit the due amount in my account but they never did that
Product: Debt collection

Cashcall calls up to XXXX times a day in regards to a missing payment. They use different numbers to call from and sometimes they leave messages and sometimes they do n't.
Product: Mortgage

In XX/XX/2020 I attempted to re-finance my house with the existing Wells Fargo, who I have had the loan with for many years. I was trying to get a lower interest rate. I provided all of the documents and waited for some communication from Wells Fargo. I got in touch with Wells Fargo and they said I needed to provide my Divorce Settlement Agreement. I have been divorced for six plus years and have paid my former wife all of her equity in all our joint holdings. When I asked if I could provide just the parts that have to do with house and alimony I was told they would look into it and get back to me. Over two months I would contact Wells Fargo and got the same answer. Finally I received a letter stating I did not provide the documents that they wanted so the loan was cancelled. I paid for the appraisal of the house, and I feel they should refund me at least that amount, ( {$530.00} ). I attempted to contact Wells Fargo at least 25 times up until XX/XX/2020 and all I received was people hanging up on me, and a lot of smoke and mirrors, baloney, telling me how important I was to them, and how much they value my business. I was stressed out over the past nine months and have not got any satisfactory resolution of this matter. I believe they have discriminated against me also. I have the dates, and people I have talked to, on my log of this mess. I feel Wells Fargo personal are incompetent, and completely miss-managed this issue. I have been a Wells Fargo customer for many years, and will be refinancing my house with a company who values me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that I have no Knowledge of. Please refer to the attachment for a detailed description of the matter at hand.
Product: Credit card

I have received my credit report with some possible identity theft since I was part of the breach. I am requesting information from the creditor and they are not responding.
Product: Credit reporting

Transunion is stating wrong facts on report. 
XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX but was not the actual borrower. Since this was a business debt with a different organization other than myself, XXXX XXXX ( hereafter called XXXX ), it never appeared on XXXX personal credit record. The business has a different tax ID thenPH, and this debt before purchasing by XXXX XXXX was never on XXXX credit report XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with XXXX , XXXX and has been paying with never a late payment the agreed upon amounts. 

XXXX , XXXX has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. XXXX XXXX , XXXX bought the debt. 
When previously submitting this report before against XXXX, they never investigated fully as well as we did n't have the rebuttal letter from XXXX , XXXX that we are submitting This false reporting that the debt is in collections is wrong and it is not delinquent at all with XXXX , XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA XXXX that you the XXXX, XXXX AND XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX balance {$22000.00} This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the debt owed with the company as well as with TransUnion. I submitted the FL Statutes regarding withholding rent for repairs. I served notice to XXXX XXXX advising rent would be withheld if repairs were not made. In addition to that I lodged a complaint and someone same out advising the company they were required to make the repairs. When the repairs were not made I exercised my rights and withheld rent. Eventually I broke the lease, also within my rights, because the repairs were not made and the apartment was uninhabitable. I complained to the State Attorney General 's Office and received an email advising they reached out to the company regarding my complaint but received no response. I do not owe XXXX XXXX. I moved out and I do not owe unpaid rent because I exercised my rights after they failed to make repairs timely. I moved into another residence and started that lease the end of XXXX beginning of XXXX. As retaliation they immediately placed this on my credit report. No one contacted me saying I owed anything to allow me to respond. Instead this was placed on my credit report and has remained on my credit in error causing me to be denied credit in error.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX was to be used was not used. No notice then on my credit report asked for it to be removed was not violated hippa laws by posting medical debt to my report tried even threw XXXX
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 failed 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. 
lawsuit highlighting significant issues with the 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 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. According to XXXX
Product: Credit reporting or other personal consumer reports

While reviewing my credit report I noticed unauthorized or inaccurate, and I would like them removed immediately Inquiry from XXXX XXXX on XX/XX/2024 I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your assistance in this matter XXXX XXXX XXXX
Product: Student loan

I graduated in XXXX, right as the economy started its fast spiral down. I have not been able to get a job in my profession, and have been working jobs that pay less than {$5.00} over min wage to support myself. In XXXX, I was diagnosed with a XXXX ( which is covered under the ADA ). Since then, my out of pocket medical has increased exponentially over the last ten years. With the passing of " Obama Care '' I have also had to purchase my own health insurance ( the XXXX level plan my employer offers does not meet my needs ). 
Since XXXX, my medial expenses have been more than XXXX of my net income. It has been an issue paying back my loan due to the extensive medical costs i have encountered ( XXXX ). 
I have attempted to return to class, in order to maybe gain a new profession. In XXXX I was in class, but had to drop due to lack of transpiration ; but I was seeking an XXXX degree. I started having sever issues with XXXX, and XXXX ; due to XXXX resulting from my XXXX. In XXXX I returned again, I dropped XXXX class due to not being able to XXXX. The last time I was in class was XXXX, and I was not able to complete the term due to having a XXXX. In early XXXX, my doctor and I were evaluating options to keep me from starting XXXX and preparing for XXXX, due to my XXXX. 
I have taken multiple deferments. It comes down to either I pay for medical or I pay for my loan. During my conversations with the standard reps ( people who answer while calling ), a few supervisors, and mid managers ; the general message they have conveyed is that they do n't care, I need to pay them. So my option is pay them, or die. 
I have filed multiple XXXX complaints against my loan company. They have provided false information to the XXXX and me through the XXXX. They have also violated mediation terms through the XXXX. They have been involved in harassment through the mail and by phone. 
I would like a review of their business practices, as well as a possible violation of my rights under the ADA.
Product: Checking or savings account

On XX/XX/2022 the IRS said they sent chime which is my on line bank, my tax refund in the amount of XXXX the IRS said chime had until today XX/XX/2022 to make my refund available to me I've called chime numerous times and they steady saying that the IRS never sent my tax refund to them and because of my XXXX XXXX XXXXXXXX I'm getting the run around I really need my tax refund
Product: Student loan

I consolidated my loans maybe a year or two ago. I was so happy a weight was lifted off of me. Later i began receiving calls from Navient formally XXXX XXXX. i explained to the rep that i had consolidated all my loans and didnt know the $ XXXX that she was speaking about. come to find out, my mother ( and I ) took out a private loan with XXXX XXXX so that I could go to school. Sometime later i started a program to help me get on track with the payments, I was delinquent with about $ XXXX. I began paying {$200.00} a month. Shortly after that I learned that I was XXXX. About a month before I went out of work I called Navient to see if I could get a forbearance or deferment because it was unpaid leave. They told me I could not, subsequently I cancelled my payments ( that was scheduled for about a year out ) out of anger and frustration that they were not willing to hold payments for a month or two, and because I just could n't pay them while I was out. Anyway, fast forward to after XXXX. I finally spoke to someone about payments again. He was upset because I was ignoring Navients calls. Yes, because because I told them plenty times I could not pay anything while I was on leave. I offered to set up payments again, which was ignored and other payments on my consumer report were brought up. I hung up. If i am trying to set up payments again, why are you harassing me about my car payments. Anyway, I talk to two other people, the last person informed me that I was headed for default. I again told him I could pay {$100.00} a month and we could set up payments. He told me that even if I paid {$100.00} I would still default. I 'm so confused and angry. I do n't know what to do. I can not give them what I do n't have to give. Why will I default even if I am making payments. Navient has been a true nightmare. My fed loans are working with me. Navient is terrible.
Product: Credit reporting or other personal consumer reports

I became aware of an account with a negative effect on my credit report. I initiated a dispute with a statement. Experian refutes my dispute without an explanation from the creditor. This is a totally unfair practice. 
I co-signed a rental lease for my daughter. Per the lease agreement, my name should have been removed after the first year of lease. There were no late payments or additional fees until XXXX when the entire country was greatly affected. Since she was alone in XXXX XXXX, she vacated the premises to move back home with the family in XXXX, after approval from the leasing office because of " a natural disaster ''. She labored to clean the apartment and left it without debris. There was no further communication from the Leasing office. I was not aware of any issue until I checked my credit report recently. 
I started a dispute that goes nowhere.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I opened a credit card through amazon prime in 2019, issued by JP Morgan Chase. 

I never received the credit card nor a bill. 

Apparently Amazon prime made this my default payment WITHOUT MY CONSENT. 

Some items were ordered, totaling around {$98.00}. 

I never received a bill or the credit card. The only way I found out is when I saw my credit report and it had been reported as delinquent. 

I called and immediately made a payment, including a late fee. 

They refused to remove from my credit report, which will cause me great financial harm. I have never had a delinquent payment. 

I WANT THIS REMOVED FROM ALL THREE CREDIT BUREAUS IMMEDIATLY!!