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

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. I found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for your and the bank 's records ( learned through more research both parties require ). Please remove these files. If Experian, XXXX and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If no records are provided & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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: Bank account or service

On XXXX XXXX, 2015 I attempted to withdraw XXXX XXXX XXXX from an ATM in XXXX XXXX. There was a mechanical/electronic malfunction with the ATM machine and no funds were received by me. 

The bank is reversing the temporary credit issued in Favor of the issuing bank. 

I am adamant that the funds were not dispersed and the machine suffered a failure. 

An ongoing complaint # XXXX with USAA and I am awaiting indisputable proof that the funds were received!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Experian 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 the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX started with XXXX XXXX and in XXXX XXXX sold my contract to OCMBC. Now OCMBC sold my contract to XXXX in XXXX. OCMBC has not sent my XXXX payment to XXXX yet. I was assured there would be no problem with the payment. I'm now experiencing issues with my credit and it effecting opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaints against XXXX XXXX XXXX, and XXXX, Transunion, and XXXX. XXXX XXXX  has continued to report unfactual and inconsistent information on my credit profile. All 3 Bureaus have failed to conduct a full and thorough investigation of my complaints, even after I have provided them tangible proof that XXXX XXXX continues to furnish them with erroneous data. In XX/XX/XXXX, I collected my 3 bureXXXX report, I marked all information from XXXX XXXX that was inaccurate. I sent letters via US certified mail in XXXX, awaring XXXX XXXX of their inaccurate reporting and FDCPA violations including, but not limited to the re-aging of debt ( re-aged from XXXX XXXX XXXX to XXXX. XXXX now to XXXX. No payment or promise to pay has been made on this account in that time ; They also did not report any Date of last payment from the XXXX XXXX report, but in XXXX. XXXX they report a date of last payment of XX/XX/XXXX to XXXX only ( which is inconsistent and incomplete ) ; My XXXX XXXX report says that the account was opened XX/XX/XXXX, but in XX/XX/XXXX, they report instead with XXXX and XXXX that the account was opened XX/XX/XXXX ( Almost a 2 week difference ) .It is not possible to be 100 % accurate but provide two different dates to the Bureaus of when the account was opened ; The credit report that I pulled in XXXX has 2 year payment history that does not at all match the payment history being reported on my XX/XX/XXXX credit report ; XX/XX/XXXX report shows different High Credit balances, from XXXX $ to XXXX $ ; Account type is incorrect and different on both the credit reports I've pulled. I requested they remove the account from my credit profile. They did nothing! I sent documentation of all errors and violations via certified mail to XXXX, Transunion, and XXXX via certified mail in XXXX. They investigated and said the account is verified. Even then on my XX/XX/XXXX report account in Dispute remark was NEVER ADDED. I've even attached a screenshot of the XXXX Re-investigation report as proof that this account was formerly in dispute already. This company has failed to report accurate and consistent information on my credit profile since XXXX and has hurt my ability to obtain new credit in doing so. This is defamation of character. The credit Bureaus have failed to conduct a full and thorough investigation in light of all the errors that I have provided them with proof of and has allowed the creditor to continue to report unfactual data. I want this account removed from my credit profile immediately. I am attaching documentation, please take the time to read through, if not removed, I am prepared to move forward with my plan of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from   XXXX   XXXX   XXXX   accident which happened to me in  XXXX  i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all   XXXX   bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance.   i would greatly appreciate for your cooperation in this matter.   gratefully yours  XXXX   XXXX   XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act this debt colletor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, also known as RESURGENT CAPITAL SERVICES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations. ALSO I WOULD LIKE TO NTIFY DEBT COLLECTOR LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES OF VIOLATIONS AND I WILL SEEK DAMAGES 15 U.S. Code 1692g ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Inquiries : XXXX 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. 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I looked at my report back on February 10th and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX ], [ XXXX - XXXX ], XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX - XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 

Check The Attachments Below
Product: Credit reporting or other personal consumer reports

Remove the following account because the payment history reflects continued reporting a charge off after this account was closed. This represent an improper use of my credit report and this is detrimental for me and my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2022 Pentagon Federal Credit Union opened a 5 year Money Market Certificate with out my permission in the amount of {$500000.00}. The money to open the account was taken from my Pentagon Federal Credit Union savings account. 
I have asked them several times to close the account and return the money to my savings ( with no fees ) but as of yet the have refused to do so. I did not open this Money Market Certificate nor did I sign for the account.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing real estate and upon pulling my 3 credit reports, I discovered several discrepancies pertaining to the following accounts : XXXX. XXXX XXXX XXXX XXXX. Acct # : XXXX XXXX. XXXX XXXX XXXX XXXX. Acct # : XXXX XXXX. XXXX XXXX XXXX. Acct # : XXXX On XX/XX/year> I sent written and formal disputes to all three credit bureaus to have each account validated in accordance with 15 U.S. Code 1692g - Validation of debts. They have all three reported back and " after completing a " thorough '' investigation '' your account has been updated and correct. '' An investigation was not completed because the inaccuracies are still listed on my credit reports. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I have attached documents to show my attempt to validate ( NOT VERIFY ) these records and showing the inaccuracies in my reports.
Product: Student loan

Twice in the month of XXXX, I requested a callback using the EdFinancial automated service line. I did not receive a call. The wait time was estimated as 468 hours. 

The system does not recognize my login credentials and does not recognize my account information for resetting my password. However, if I attempt to setup a new account, it confirms my account username, SSN, and DOB. 

I am unable to login or reset my password. I have attempted to resolve this by phone, email, and chat to no avail over the past month.
Product: Credit card or prepaid card

I opened a secure credit card account with Capital One in XXXX, 2018. I closed it on XX/XX/2018. I am suppose to get a {$420.00} refundable deposit returned to me, and a {$440.00} credit balance refunded as well, total = {$860.00} but I have not received either one as of todays date. IT is part of the credit card agreement and consumer has fulfilled his duties by honoring the credit card agreement and owes nothing to capital one on the account so he should get his deposit back as ( per the agreement after an account has been closed ), and the account paid in full. Consumer has uploaded saved chat with Capital One Represenative, ( see attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Plus there are about 1000 soft inquries
Product: Money transfer, virtual currency, or money service

I want to express my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit that pointed out major issues with the platform. Despite using Zelle many times and reporting problems, neither my bank nor Zelle properly investigated my claims. They told me it was impossible to recover lost funds and that tracking these transactions couldn't be done. The CFPB 's findings show that Zelle hasn't protected consumers and has let repeat offenders exploit the system, leaving users open to scams.
Product: Mortgage

In response to a previous complaint chase is claiming they have no proof of insurance on a property they service the loan for. That is a lie. I received a letter from XXXX XXXX on XX/XX/XXXX requesting I provide proof of insurance by XX/XX/XXXX ( yes, the next day ) but she did not include in the letter a fax number or email to provide that information. 

On XX/XX/XXXX I faxed a copy of my insurance policy to the insurance department listed on the back of my statement and I also emailed a copy to Chase. I am including a copy of that proof to this complaint to prove the property has been insured during the time frame indicated in Ms. XXXX letter. 

I also contacted XXXX, the previous company handling my loan and they denied the claim that they did not have proof on insurance on my property. They pointed out that if they did not have proof of insurance they would not have established an escrow account as Chase has done.
Product: Money transfer, virtual currency, or money service

my paypal account was closed for no reason, and paypal will not release my funds my paypal email address is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX ) In XX/XX/XXXX I visited XXXX XXXX on a business trip. During that trip my identity and credit card information appears to have been used without my knowledge or participation. 
XXXX ) American Express and XXXX XXXX XXXX were informed that my credit cards had been used without my authorization. Prior to this incident, there had been no prior instances of delinquency or fraud on any of my accounts. 
XXXX ) American Express account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) I made several complaints about the fraudulent charges on my accounts and in my name, filed grievances, sought verification for the source of these charges, and asked the company and credit bureau to validate this debt. 
7 ) Currently, more than six years have passed since this incident occurred and my credit score and consumer report reflect a debt that is blatantly fraudulent, and nothing is being done to resolve the issue.

8 ) Under 26 USC 165, and 26 USC 6050P and IRS regulations 1.6050P-1 these actors admit that they took a deduction for Loss Income while having never issued a 1099 ( c ), which is legally mandated.

9 ) These entries on my credit report have a direct correlation to several lost employment opportunities, denials of funding for business projects past and currently active, and reputational harm that can not be easily calculated into a dollar amount.

10 ) I have sent numerous certified mail letters and neither XXXX, XXXX, or XXXX have conducted a validation of debt despite my asking several times, and having documentary proof that I am not involved responsible for the debt. 
XXXX ) The debt is scheduled to be removed in XX/XX/XXXX, however, I am unable to have a security clearance issued, which affects job prospects and income, as a result of their inaction. 
12 ) The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), makes it illegal to report inaccurate consumer information, and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that inaccurate information be removed immediately upon notice following an investigation. As this is an issue of identity theft, which began with international travel and personally identifiable information being compromised, under Section 605B ( 15 U.S.C. 1681c-2 ), this Information must be blocked within 4 business days and the credit reporting agency must cease reporting the information.

My personal life, and professional aspirations, are being curtailed due to a lack of compliance by the parties named above. This avenue is my only realistic means of having the appropriate agency intervene to end this flagrant violation of Federal and States laws for protection of consumer reporting.
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 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

I've recently begun a search for a better apartment in a safer neighborhood. Last month, I applied for a property on XXXX XXXX in XXXX XXXX. My report was made available. My score was XXXX. That property was already rented. Two weeks ago, I applied for another apartment, on XXXX XXXX in XXXX XXXX. My score, according to Transunion XXXX XXXX XXXX XXXX is now XXXX. More than a XXXX point drop. One " Collection '' has been added. But the alleged creditor is three letters smashed together. The source of this item is in XXXX. I believe another " collection " has since been added, also sourced in XXXX. I've tried to contact the Transunion XXXX XXXX XXXX XXXX  at XXXX, regarding Case # XXXX, several times. In all cases the alleged agent is ( possibly ) oriental. The discussion attempt is entirely unintelligible. I am XXXX years old and have a minor hearing impairment. The agent, XXXX XXXX offers a " U. S. Agent ''. Then the line goes to loud music and eventually dead. I have visited XXXX. The utility companies there are rife with scams. Typically, as happened with me, the customer brings in his equipment ( if any ). He pays his final bill. But, is told he will have to have an interview appointment to completely close the account. Usually the customer is not given any appointment. My translator was with me and said this is ordinary for both visitors and residents. A small, phony, charge is made without the knowledge of the customer. Late charges and collection fees are added and years later a collection is filed. The customers credit is ruined and payment is demanded. I will have to stop my property search until this criminal organization agrees to delete this {$80.00} item and any others that have come in. Transunion is apparently part of these scams.
Product: Checking or savings account

On Thursday ( XX/XX/2023 ) I reached out to the Truist support team because I received a check from the U.S. Department of the Treasury for a large student loan refund ( {$11000.00} ). My concern was that the check would not arrive in time to be deposited with a teller, and I was worried about the safety of depositing the check after hours at the ATM at my local branch. They assured me that checks deposited before XXXX would be processed as part that day, and that being a government check I should expect a hold on all but the first {$100.00} on Thursday night, but that the remainder would be available on Friday. 

I confirmed this with the support team twice. 

Satisfied I decided to go ahead with the ATM deposit rather than wait until Friday ( XX/XX/2023 ) morning and deposit the check at the branch. Everything seemed fine Thursday after the deposit and the {$100.00} was released to me. 
Friday morning I was alerted to a hold for the full amount with the reason of " Doubtful Collectability '' that wouldn't be released until XX/XX/XXXX. 

On Saturday, XX/XX/XXXX, I emailed a detailed account of my the issue to a branch banker I had worked with before. I also attempted to call during Saturday banking hours. Since XX/XX/XXXX was a federal holiday, I went to the bank this morning to work with the branch manager to resolve the issue. He was on vacation but the banker I had emailed was able to call a support line who explained they couldn't do anything. At that point she reached out to her supervisor for assistance and told me she'd reach out to me by end of day. By XXXX I'd grown impatient and reached out to her and she explained that because my account was under two years old that they would not release the hold. 

I explained that as I understood Title 12, Chapter 11, Subchapter A, Part 229, Subpart B, 229.10, Article C.1.i - ( 1 ) General rule. A depositary bank shall make funds deposited in an account by check available for withdrawal not later than the business day after the banking day on which the funds are deposited, in the case of ( i ) A check drawn on the Treasury of the United States and deposited in an account held by a payee of the check ; Further I provided the banker with Appendix C to subpart 229, with details rules governing new accounts.

She has taken that information and escalated it. But given her response to my quoting federal regulations, I doubt anything will come of it. 

I have recordings of all conversations, pictures of the check and it's associated materials, and even a video of myself depositing it in the ATM since I was worried about this exact scenario.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the XXXX XXXX XXXX/XXXX  as well as attach a copy of my credit report. 

XXXX/XXXX  : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.