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

Pursuant to 15 usc 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 usc 1602i means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor pursuant to Title 15 usc 1602g. Pursuant to 1681b ( a ) ( 2 ) I have not provided expressed written consent for any of these items to be furnished on my report. You do not have permissible purpose to furnish these items. I demand pursuant to 15 U.S.C. 1681a ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), & amp ; 15 U.S.C. 1692g that the following transactions : GO FINANCIAL Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX  Inquired on XX/XX/2021 XXXX  XXXX XXXX Inquired on XXXX  XXXX, 2021 be removed from my credit report immediately as you are violating my rights as a federally protected consumer under title 15 chapter 41. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the below actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g 4 ) Violations of 15 U.S.C. 1681a 5 ) Violations of 15 U.S.C. 1681b
Product: Credit card

Chime closed my credit builder today I got a notification that I can reopen it I called and they said I could they transferred me to three people that all said the same thing the XXXX  said it's not possible for him to do it but to email chime I just got a email saying they can't but the customer service agents said that chime started letting people reopen there credit builder I explained my situation clearly and they just keep giving me the run around with no clear answer
Product: Debt collection

A few months ago, I closed my USAA insurance accounts because they claimed on several occasions that they did not receive my payments. Unfortunately for me every time they claimed to have not received a payment, I was charged a {$15.00} late fee. So, after several years of USAA losing my payments, I decided to change insurance companies to one who could properly process my payments without losing payments. After closing my accounts, USAA claimed that I owed them {$15.00}. The next month they claimed that I owed them {$30.00}. Enough is enough, I want them to stop contacting me and go away. I do not owe them anything. They can pay their own {$15.00} late fees from here on out.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm composing this complaint to EQUIFAX Department. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting or other personal consumer reports

I believe I am the victim of Identity theft pursuant to section 605B, please remove the inquiries of my FTC report.
Product: Student loan

I 've contacted  Navient  regarding my student loans and that it shows I was 120 and 90 days late on paying, which was not the case due to the fact that my student loans are in deferment status. Navient representatives have notified me that these were going to be removed but they are still on my reports, hindering me from credit and other opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
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 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 CFPBs finding indicated that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

You received this statement stating that this account was included in identity theft on XX/XX/2021, and you still did not remove them after 4 days. That is a violation.As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, THE REAL REAL POWER, this account on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Aslo i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffrered immediately upon receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7400.00} 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report immediately, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. My home was broken into all my person information was stolen. I ask that these items I listed as fraud on my credit report be deleted as soon as possible. They are incorrect my on my Credit report. 

XXXX XXXX XXXX XXXX : Equifax Fraud items reporting -Name : XXXX XXXX Phone number : XXXX Balance {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Open : XX/XX/2016 -Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Open : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with a company called XXXX XXXX XXXX that was ultimately charged off and sold to CKS Financial/ XXXX XXXX. I have paid the amount off in full to the CKS Financial/XXXX  XXXX  in XX/XX/2018 and they have yet to report it to any of the credit bureaus as I was told by them that they would. To date neither XXXX XXXX XXXX nor CKS Financial/XXXX  XXXX have changed the status of my account in none of the three credit bureaus and again the account has been paid in full for over six months.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. which violates 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 despute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electical Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropiate redress for these violations.
Product: Mortgage

XXXX is with Ocwen, initially I had gotten behind on one payment. I called Ocwen to attempt to work out a time when I could get caught up. I had the money and would have made three payments to get caught up. They added fees and refused to let me work it out when they calculated my monthly income, which by the way was enough to pay on my loan as I had done for years. I had an incident where I had a family emergency and got behind. I called to let them know I would make three payments set up two in one month and the third being the second month catching everything up. They refused to do that because I did not qualify, then I was told to fill out HAMP paperwork and set up an appointment with a relationship manager. All of this was unnecessary and they were unwilling to work anything out. it was impossible to communicate with them because everyone was XXXX and in another country. I had issues before and requested to speak with someone in the U.S. and that request was never granted. I went ahead and let the payments go because with the fees and them telling me I no longer qualified for a payment arrangement, I put the house up for sale to avoid a foreclosure. So as of XX/XX/XXXX we have been working with Ocwen on a short sale and I hired a realtor. 
Shortly after that we had an offer that we, the homeowners accepted. The offer than went to Ocwen. 
Around XXXX XXXX, they disclosed that we would have to use an auction platform before they would consider approving the short sale- this resulted in us losing the buyer that had been in contract for months. 
Our file went through XXXX rounds of Auctions with XXXX the first and second without any buyers. 
On XX/XX/XXXX Ocwen completed new values and sent this information to XXXX so they would know where to market the property. 
On XX/XX/XXXX we were advised that this XXXX round of auctions resulted in a buyer. We then proceeded to send in paperwork each month for bank approval. We were told in XX/XX/XXXX everything was proceeding nicely and that the principle loan holder, Ocwen, had approved everything. 
On XX/XX/XXXX we were then told that Ocwen declined the file because the offer was too low!!! They were the ones that sent the information to XXXX. See attached. 
On XX/XX/XXXX when our attorney 's spoke with Ocwen they denied sending any " numbers '' to XXXX to market the property, however you can see that they infact did. Then initially when using this auction platform THAT THEY REQUIRED, they said they would pay to do that. Now they are trying to tack on the XXXX dollar auction premium to the buyer 's side. They also stated they did not set the values and that is why they were declining, when they clearly did, and because of that they would not net XXXX-XXXX more than what they are receiving now. 

This file should have been approved months ago
Product: Credit card

Timely payments have always been a priority for me on this account, ensuring they are never overdue. I'm unclear why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, or transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Removal of Fraudulent addresses To Whom It May Concern : On XXXX/XXXX/2020 I received a copy of my credit history report from Transunion.That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX  XXXX, Fl XXXX
Product: Credit reporting or other personal consumer reports

I previously disputed accounts with Experian, XXXX and XXXX XXXX because I was a victim of identity theft I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), account number : ( XXXX, XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX  XXXX : {$42000.00} ; XXXX Balance : {$42000.00} ; XXXX XXXX Balance : {$34000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY 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 Balance : {$12000.00}.
Product: Credit reporting

XXXX and Experian on line dispute webpage do not allow you to complete your dispute on line. XXXX does.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof
Product: Debt collection

I have been receiving messages from XXXX ( XXXX? ) Associates out of XXXX. They have been threatening to " process serve me '' on a matter which he will not disclose. Will not tell me where the debt is from ( I Do not have any past due debts ). has been call me my place of employment, as uses addresses which only my place of employment know I would be ( I work with XXXX XXXX ). When asked to submit to me in writing what the bill is and who is asking to collect, he just yesll and states it is too late for that. 

Their number is XXXX. The guy who called me states his name was XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINE AND THERE ARE SOME THAT HAVE INCORRECT INFORMATION. 

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

XXXX phone someone stole my information this XXXX XXXX keep XXXX up my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX XXXXXXXX i never did at all. Please clear everything from my record because im becoming a XXXX XXXXXXXX my record needs to be clean.
Product: Checking or savings account

On XX/XX/2021 my account became overdrafted with PNC Bank because a pre-authorized transaction came through and sent my account {$540.00} negative and the business won't stop the charge... I've recently been injured on the job and I have no steady income, so on XX/XX/2021, I asked PNC bank if they could revoke the pre authorization of this business until I can work out another arrangement because this over drafted account possibly won't be taken care of any time soon and I've had to do this before years ago because a business was continually trying to withdraw money from my account.PNC bank said that I would have to call the company because they can't do anything about it because it's already posted... In the past whenever this type of thing would happen, banks had no problem revoking the pre authorization but because I have had past direct deposits set up on my account, PNC Bank decided that they wouldn't revoke the authorization because they will just wait till deposits come in so that they can take everything that I have. It seems to me that banks are working for businesses instead of for their customers... Since when does a bank act as my mother and father to make sure that I pay my bills and then charge me tons of these fees which is the banks primary objective anyway to enrich themselves off the backs of the people ... I'm sure if I didn't have any direct deposit set up on my account they wouldn't have let this overdraft go through in the first place..These are typical banking tactics and this is why they pay these bank managers the big bucks because they identify which consumers they can squeeze the most out of as often as they can and like a snake they strike... .People in my age group are very often taken to the cleaners like this by banks because it works in favor of the banks to allow anything that they can make money on to stick... .Nevertheless, I will be closing this account as soon as I can get the overdraft taken care of and run like XXXX away from PNC and find another bank because as it turns out, PNC is not the bank for me...