23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has continuously incorrectly reported my account as being 30+ days past due. I disputed this information with XXXX and had numerous 30+ day late items removed. However, several of them still remain. This misinformation has ruined my credit score and cost me the opportunity to refinance my car loan for a better interest rate, buy a home, and take advantage of the otherwise good credit that I had. The deceptive practices used by this company has cost me thousands of dollars. To date, they are reporting that I was 30 days late making a payment for the months of XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, & XXXX XXXX. My Due date for these months is the XXXX of each month. I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 23 days past my due date. I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 21 days past my due date. For the XX/XX/XXXX payment, I paid XXXX 's payment in XXXX ( I made 3 payments that month ) and XXXX 's payment in XXXX and informed them that that is what I was doing, and they still listed me as 30 days late. I made the XXXX XXXX payment on XX/XX/XXXX, which is 26 days past my due date, and I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 21 days past my due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is still showing incorrect information. Company is reporting activity on credit report every month there has never been any activity on this account. On credit report its showing a last activity reporting every month. I know nothing about this account
Product: Money transfer, virtual currency, or money service

While using XXXX for many years with my bank Wellsfargo They failed in the beginning to provide a pop up notice to confirm transfers and this didnt happen. With all the complaints happening they now have the pop up but after fraud snd confusing to transfer took place
Product: Credit reporting

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Product: Checking or savings account

XX/XX/2021 a written request was mailed to XXXX  to close my XXXX account and transfer all funds to another bank. 
XX/XX/2021 is when XXXX created and sent a letter to me indicating that the account was not able to be closed and transferred due to outstanding funds in a brokerage account. 
XX/XX/2021 is when a phone call was made to XXXX  requesting that they use the already submitted transfer form. I was told that was not possible and that a new form needed to be submitted to XXXX. 
XX/XX/2021 is when an email containing the required transfer form was sent to the designated email address above. 
XX/XX/2021 I received a system generated email from XXXX  that they had received my request and form. 
XX/XX/2021 is when all brokerage funds we present in the savings account for closure and transfer. 
XX/XX/2021 I sent another email to XXXX requesting an update since I have heard nothing from them to date. 
XX/XX/2021 I placed a phone call to XXXX XXXX and held for 15 minutes and finally hung up in frustration. I have $ XXXX sitting with them and am missing out on a rate of return in the investment opportunities that XXXX  XXXX XXXX offers.I am now being told that it will be 4 - 6 weeks for the transfer to XXXX  XXXX XXXX to take place. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of 2022 without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX XXXX XXXX XXXX XXXX  and aXXXX XXXX XXXX XXXX, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter. 

Document password XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus concerning late payments placed on my account from XXXX XXXX loan # XXXX. I was not late on my payments. I disputed with XXXX via mail XXXX. I requested XXXX send me proof of late payments and I was sent documents that did not clearly show a payment as late. I asked XXXX to remove these items and they say that they can not assist me in removing any negative reporting. All 3 credit reporting bureaus state they have verified but are not providing proof of such verifications. I have request multiple times over multiple years.
Product: Credit reporting or other personal consumer reports

Ive identified accounts and inquiries on my consumer report as a result of identity theft. Attached you will find the FTC report, my consumer statements, and my identification proving my identity ; These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail.
Product: Student loan

I am currently in the process of completing the PSLF program, in order to have my loans forgiven following 120 payments while working in the XXXX XXXX. In XXXX, I joined the XXXX XXXX XXXX. In the Spring of XXXX, while still working full time in the XXXX XXXX, I began taking graduate courses at the University of XXXX. I specifically instructed my loan servicer at the time to continue accepting payments from me despite any documents they receive regarding my going to school, as I was also working full time in public service. Despite my instructions, my servicer placed my loans in deferral from XX/XX/XXXX through XX/XX/XXXX. Each month this took place, I resubmitted a request that my loans never be placed in deferment. Yet they continued to disregard my instructions. My loans have since been moved to different servicers over the years and with each, I inquired how to have this error on their part be fixed. My loans are currently with Fedloan Servicing and I have asked them multiple times what can be done and they refuse to fix the error. I was entitled to make qualifying payments during this period and my servicer disregarded my instruction multiple times not to place my loans in deferment. 

I would like to respectfully request I have the opportunity to make whatever payments are necessary to reflect my public service in the XXXX XXXX XXXX during those four months in XXXX and XXXX.
Product: Debt collection

I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE ARE XXXX REMEX ACCOUNTS THAT I DID NOT AUTHORIZE OR BENEFIT FROM I HAVE ATTACHED AN FTC REPORT IN HOPES OF GETTING THIS ISSUE RESOLVED I NEED THIS FRAUDULENT ACCOUNT REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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: Money transfer, virtual currency, or money service

I'm writing to share my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit that exposed major problems with the platform. I have used Zelle many times, and when I reported issues, both my bank at the time and Zelle barely looked into my claims. They told me there was no way to get my money back and that tracking the transactions was not possible. The CFPB 's findings show that Zelle has not just failed to protect its users, it has also let scammers take advantage of the system over and over again. This lack of responsibility and honesty is unacceptable and makes me seriously question how safe it is for consumers
Product: Credit reporting or other personal consumer reports

This company accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting TransUnion and being assured that this inquiry would be removed, it still appears on my report. This unauthorized and fraudulent inquiry is causing me significant anxiety, as it may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Mortgage

This issue is regarding my escrow account and mortgage amount. My city, property taxes, and home insurance did not increase for the year, XXXX. But Carrington ran the amortization using a projected increase and therefore, increased my mortgage using that inaccurate projection. However, I tried to prevent the increased payment by paying {$1500.00} directly into my escrow account on XX/XX/XXXX. I then asked for a new amortization. The company did so and sent me a check in the amount of {$1000.00} on XX/XX/XXXX, but still they increased my mortgage payments. My starting mortgage payment in XX/XX/XXXX was {$680.00} which it has been since Carrington took over my loan. My payment increased in XX/XX/XXXX to {$780.00}, then it decreased in XXXX to {$740.00}. And even though my payment decreased after the inaccurate increase, I feel that {$740.00} is also inaccurate. How can there be an Escrow shortage, the reason given for the increase, when I received a check in the amount of {$1000.00}? I would like this issue investigated to determine if my mortgage payment amount is accurate.
Product: Checking or savings account

On XX/XX/2022 I called the customer service number for Wells Fargo bank to close a business checking account and business savings account which I was not using. I asked the representative to close the account and transfer the monies from the accounts to my personal checking and savings accounts respectively. This was on Saturday, and it was not until Monday that I realized that the person did not in fact close my business checking account ( she did close the business savings account ), but actually closed my personal checking account. As of that Monday, the transaction was pending, but there was not a person whom I spoke to that could change the error. My personal checking account subsequently closed, I made numerous complaints to the bank, and no one ever got back to me. 

Since then, I have opened a new checking account. I deposited my paycheck on XX/XX/2022. Usually when I deposited checks, money had been made available right away, but this time I was informed that there was suspicious activity detected and a hold has been placed on the check. On XX/XX/2022, the check had cleared and the funds were available, but on XX/XX/2022, the funds were deducted again, with the reason being, suspected fraudulent activity from the issuing Account. The issuing account is XXXX XXXX, the same bank that I have deposited checks in from Wells Fargo for the past year. 

In this challenging time increasing prices, Wells Fargo has hurt my family. Wells Fargo banks terrible customer service, and ineffectual management of clear errors on their part is both pathetic and cruel.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX continues to violate the FDCPA law by submitting inaccurate information to the 3 credit bureaus. And XXXX  & Transunion, continues to violate FCRA laws because they continue to report inaccuracies from the furnisher. The last payment made that is documented was in XXXX, that means from the false reporting it is adding another year to be kept on my credit reports. Also, this account is reporting being charged off but on-time payments received. The car is also documented as bein g repossessed in XX/XX/XXXX, so how can a last payment be made in XXXX of XXXX as reported?!
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 redress ( 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 card

The issue is causing me significant distress and XXXX, to the XXXX where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Mortgage

XXXXNationstar Mortgage foreclosed on my father 's home at XXXX XXXX XXXX, XXXX CT XXXX & the title did not revert back to the bank until XXXX/XXXX/2015. XXXX/Nationstar Mortgage illegally locked me out of the home from XXXX to current not allowing me to retrieve my personal belongings. I have tried for well over a year to get access to the home by the bank but have been ignored and unacknowledged. 
This complaint is not about the foreclosure itself but about the process that was not followed by the bank to evict my personal belongings. According to the law, the bank forecloses on the real property not the personal belongings inside the house. The personal belongings became a tenant to the house and the bank then would need to file the appropriate paperwork to have the belongings removed. The only person who can remove property from a home is a XXXX XXXX and that is only after ejection paperwork has been filed and processed and approved by the courts. 
I notified the Nationstar 's hired bank representative XXXX XXXX of XXXX XXXX in XXXX CT once I notice they had the home on the market and identified that the property inside the home is mine and I needed to retrieve it. She refused me any access and said she did not know how to get in touch with the bank. I asked her for contact # or email to the bank and she said she did not have XXXX. Immediately the next day I was advised by XXXX of my former neighbors that the house was being unloaded and dumpsters were being filled up ( see pics ) as well there were multiple pick-up trucks loading my property inside their vehicles. 
I again attempted contact with the banks hired representative XXXX of XXXX and she refused to help and told me she did not know how to get in touch with the bank. I said what they were doing was illegal and they had no jurisdiction to take my property from the home. 
In the meantime we were in contact with XXXX XXXX, State Prosecutor for the XXXX XXXX Connecticut XXXX Court who help us initiate an investigation with the XXXX Police for both criminal/civil actions. The XXXX Police have an open case file on this matter ( still open ) and they also have been in contact with all the parties as well. The police advised all parties that no property was to be removed any further from the home and everything was to be put back into the home from the dumpsters. They again were ordered to put all the property left in the last of the XXXX dumpsters back into the house and advise all representatives that there was a criminal investigation going on & that it was illegal to remove it.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, specifically 15 USC 1681 section 602, asserts the importance of consumer reporting agencies operating fairly, impartially, and with respect for the consumer 's privacy. TransUnion, XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure the protection of my private information. This right is supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. 

In accordance with 15 USC 1681 section 604 a section 2, a consumer reporting agency can only provide a consumer report if instructed to do so by the consumer in writing. Neither of these financial institutions ( XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) nor XXXX, TransUnion and XXXX have my consent to share this information, written or otherwise. Therefore, any consent previously given to these entities is now revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out of such disclosure. These financial institutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ) failed to inform me of this option. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report if it exceeds seven years from the date of the report, except for records of crime convictions. 

The adverse item being reported without my permission is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate information to a consumer reporting agency if one knows or has reasonable cause to believe it is inaccurate. Furthermore, 15 U.S. Code 1681e requires consumer reporting agencies to implement reasonable procedures to avoid violations of section 1681c and limit the provision of consumer reports to authorized purposes. TransUnion, XXXX and XXXX are not fulfilling these requirements. 

Finally, as stated in 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing that account is a charge off when I paid the account in full. What happen was XX/XX/2021 a charge was made to my account by a collection agency by serqlo collection agency. I have written Experian many times about this and they said I am still responsible for the remaining balance nothing has changed. The charge belongs to someone elS I even provided the statement many times I uploaded in the Experian portal. This is unacceptable customer service. This has ruin my credit i have to pay a higher car Insurace. Now I have the times to sit down make the complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX  over the phone about a month ago. I am disputing a marathon charge account listed on my credit report. 
I just received a letter today stating it has been sold to a debt buyer named Midland Credit I originally asked for a copy of the contract and statements leading up to the balance from the original creditor, I do not recall opening this account. This has not been done. 
I would like this account removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to report The XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009. I have paid my account with XXXX XXXX on time since I had this account open since XX/XX/XXXX. In XX/XX/XXXX I was reported 30 Day late on my credit profile due to XXXX XXXX changing my account number without proper notification. The first bill I received for this new account was on XX/XX/XXXX after I was already reported 30 day late in XXXX, this letter also stated that my account number will be changed again for the second time because I never received a new credit card or the new account number to make the payment and my original account number still stated a XXXX balance. On XX/XX/XXXX I received a statement with my original account number that still has a XXXX balance which was stated when I called to make payment in XXXX. On XX/XX/XXXX I received my new account number and new credit card after it was changed twice. How could I as a consumer make a payment on an account number that I have no knowledge about? The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 by not giving me at least 21 days to pay from the time the bill is mailed because they never sent me a bill with this new account detail until XX/XX/XXXX which they already reported 30 day late in XXXX. Also The XXXX XXXX XXXX is reporting to the credit agencies payment history on an account number that they change so the information that they continue to report to the credit agency are no longer valid because the account number change doesnt match the account number on my credit profile with file the credit agencies.
Product: Debt collection

IQ data international refuses to provide payment confirmation or confirmation of payment plan arrangement because " we don't want you to be able to get another apartment until this is paid to us ''