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

I filed a FTC report and submitted it and explained that these Inquiries ar in fact not mine and I want them removed within 72 hours. 

XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not approve of these inquiries and they need to be removed.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX  - XXXX - {$0.00} ( TU ) XXXX XXXX - XXXX - {$8900.00} ( XXXX ) XXXX XXXX XXXXXXXX - XXXX - {$4900.00} ( XXXX ) XXXX - XX/XX/XXXX Current Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

As I have to move to a new apartment before the termination of my current lease, I posted an advertisement for my room ( website " XXXX.XXXX  '' ) for a transfer lease. An XXXX guy named XXXX XXXX XXXX contacted me and assured me he'd take over my room. We did a conversation using his email id ( XXXX ) and XXXX ( XXXX ( XXXX ) XXXX ). He sent me his driving license as proof ( DLN ) XXXX ). He said he'll send me a check of {$5000.00} as advance money so that I can be assured he is taking the room for rent, and I can proceed with the lease transfer. I would have to return the amount that would be extra. He sent me a check of {$5000.00} and asked me to deposit it. I deposited the check to bank of America, and after 1 day, the amount of {$5000.00} deposited into my account. One the money deposited to my account was shown up in my balance and money transfer was verified, he asked me to return {$3500.00} as it was extra. He gave me an account detail of XXXX XXXX ( XXXX ) and asked me to send {$1000.00}, {$1000.00} and {$950.00}, respectively via XXXX.. He again asked to send the remaining {$550.00} to XXXX XXXX ( XXXX ) but the transaction was refused this time. After sending these money to XXXX, the check amount ( {$5000.00} ) that came into my account ), went back. I called the bank and the bank associate ( customer care service ) why the {$500.00} was deducted from my account, and he convinced me that the amount might be returned to my account, as sometimes it happens, and it may not be a fraud/scam issue. I again texted XXXX that the check amount is reduced, and he said he'll confirm tomorrow why the check it happened. Even I was not notified by bankd why the the {$5000.00} that was reduced from my account. But another day, I could not see the check amount returned. After calling the bank associate again, we realized it was a scam, and he filed my claim for the check amount that I should recieved XXXX Bank of America has reported my case, case number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has stopped responding to calls or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX on XX/XX/2022 that a credit card had been opened in my name at XXXX XXXX XXXX. I have never purchased anything from them either online or in the store. I called the company to see what was going on. I asked her to close the account and told her it was fraudulent. She said it " seemed like a fraudulent purchase '' but She also told me that I was responsible for the payments or it will ruin my credit!! I disputed the charges on that day. XXXX and XXXX would not tell me where these goods were shipped. She told me the purchase was made online and the credit card was opened online. A week later I received a store credit card from XXXX and XXXX in the mail at my house! That means this fraud person knows my home address!! Also on XX/XX/2022 I called Transunion & spoke to XXXX and explained the situation, they said they would dispute the charges. I also put a total credit hold on ALL my credit. Now fast forward a few weeks and XXXX XXXX XXXX is now claiming that these charges are MY RESPONSIBILITY and refusing to drop the charge. Transunion agreed with them and said I am responsible for this $ XXXX credit card! This is questionable business practices. I asked to know HOW they came up with this conclusion, and the customer service rep XXXX could not even tell me. Also I filed a police report with my local police and I can provide the police report upon request.
Product: Credit reporting or other personal consumer reports

Please immediately remove my incorrect name and date of birth. 

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

Capital One not informing me of additional fees being charged to me by the organization
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Product: Mortgage

My mortgage is with Amerihome Mtg. I received a letter stating that I would only be able to make my mortgage payment with a cashier 's check. I have always processed my payments online, I haven't missed any payments ever. They stated that I had payments not honored by my financial institution. I sent them proof that my payment was drafted from my bank and never returned. I also informed Amerihome that I have an online bank only and can not get a cashier 's check. 
People I spoke with : Employee ID XXXX
Product: Mortgage

I am reaching out to you because I can not afford to take legal action. I 'm hoping that you can help me resolve this matter that is in foreclosure status as I 'm a new father. I do n't want my family to lose our home. I have been faithfully paying our mortgage on time ever since we received our second chance which is a Loan modification approval on XXXX XXXX, XXXX from our original mortgage lender/servicer, XXXX XXXX XXXX. I completed my Making Home Affordable loan modification with XXXX XXXX XXXX on XXXX XXXX stating that my loan modification is now a permanent loan modification. I have sent my payment on time and have complied with all the terms of my permanent loan modification with XXXX XXXX XXXX, which is a fixed interest rate of 2 % and a payment of {$3200.00}. Then on XXXX XXXX, my account was sold or transferred to Nationstar. By law, All of my terms agreed upon with XXXX XXXX XXXX were supposed to remain the same after the transfer to Nationstar but Nationstar has changed my payment schedules and has put me on a foreclosure status because I continued to send them the same amount of {$3200.00} as per the fixed rate permanent loan modification agreed upon with XXXX XXXX XXXX. I do n't know what else to do but to file a complaint under your office and hope that I can get a resolution to the situation I am currently facing. All I want to do is for Nationstar to honor the permanent loan modification that I agreed upon with XXXX XXXX XXXX. Your response is greatly appreciated.
Product: Credit reporting or other personal consumer reports

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : I hope this letter finds you well. I am reaching out to challenge an inconsistency found under the " PAYMENT HISTORY '' section in my credit report. This relates specifically to the account listed below which has been categorized as charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon thorough review of my credit report, I noticed that this charged-off account is persistently reported as maintaining an active monthly payment history. This is not accurate and consequently, in violation of the Fair Credit Reporting Act ( FCRA ), as it erroneously influences the statute of limitations. 

Under the stipulations of the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines, I am entitled as a consumer to have accurate representation of all details in my credit report. With these consumer protection laws in mind, I respectfully request that you rectify this mistake by deleting the incorrect data from my credit report. Following the completion of this, kindly supply me with an updated version of my credit report that reflects the required corrections. 

As a consumer, it is my right to have access to precise and current information on my credit report. I anticipate all credit reporting agencies to uphold this obligation, in alignment with the FCRA and other applicable XXXX XXXX Laws. 

In light of this apparent oversight, I implore you to immediately expunge this inaccurate information from my credit report. Upon completion of this correction, please provide an updated version of my credit report for my review. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of 2022 I switched my cellular phone service from XXXX  to XXXX. XXXX had gone out of business it was now part of XXXX My service was horrible so I switched over. I went into XXXX and cancelled my service. I paid everything I owed them that day in order to make the switch. I never received any bills, emails, or notice of any kind that I owed XXXX  any more money. Last month I traded in my vehicle for another. The dealership checked my credit and said there was a debt I owed XXXX  that had gone into collections. Yesterday my ex wife had a notice of a debt that I owe to XXXX  from receivables performance management , LLC located in XXXX, WA. They claim I owe XXXX  {$400.00}. They gave me a number and said that if I didnt contact them by today they would assume their information is correct. I have tried calling the phone number they provided multiple times and its just a bunch of advertisements for me to decline. Then when I finish listening to 10 minutes worth of ads the robot lady on the phone asks what company Im trying to reach. I say receivables performance management , LLC and she says I dont recognize that company, try calling XXXX. I have called that number and its a company trying to sign me up for direct tv. I have also emailed them at the address they provided and have had no response. I would like them to quit contacting me and to remove this debt from my credit. XXXX no longer exists and I canceled it, as I said, in XXXX of 2022.
Product: Other financial service

the company promised to combine my debts for into XXXX monthly payment. they were to get in touch with each creditor and make arrangements for smaller payments. after three months of payments to the company, they never made any contact with my creditors, or rendered any service of any kind to me. now they are giving me the runaround as to returning my money. i believe that this company is a fraud and should be reported and penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - {$2000.00} and {$1100.00}, sent certified mail to Transunion, XXXX, and XXXX to dispute wrongful credit reporting and to provide proof or have that deleted off my credit report.
Product: Mortgage

I got this property in XXXX of 2016 due to the death of XXXX XXXX. I am her daughter I have asked since her death to remove the estate of XXXX XXXX off of the loan due to me not being able to ensure the property with that on there. Nonetheless, every time I send a request or call they tell me they are mailing it out. I currently pay XXXX yearly in insurance through the mortgage company when the insurance is only XXXX yearly. I have stressed to them several times and they keep telling me they are mailing it out. the name on the account is the estate of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX account number is XXXX. I am the authorized account holder since 2016 XXXX XXXX the same address never late on the mortgage. and pay an extra XXXX monthly. I'm not sure why this is so hard I've given over 15 requests between 3 mortgage companies in 4 years and 4 months with no results. the company is XXXX XXXX XXXX and PHH mortgage services. their phone number is XXXX
Product: Credit reporting

There was a problem, where Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been affected gravely and my score is suffering as a result. No notice was given whatsoever, which is also a violation and I am requesting that the inquiries be removed : Please.. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Thanking you in Advance for your assistance.
Product: Credit reporting or other personal consumer reports

I keep asking them to verify and investigate my account they failed to
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 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 for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violates the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was a pervious rental with progress residential. Me and my family moved out XX/XX/2023. A case was filed on XX/XX/2023. I talked to XXXX XXXX around XX/XX/2023. Informed her that me nor my family lived in the property. Per my lease ledger my move out date was XX/XX/2023. The case was never to be filed unfortunately the company did not communicate with the attorney. The default judgment was placed XX/XX/2023. The company filed a motion to set aside the judgment on XX/XX/2023. The order was granted XX/XX/2023 which eventually led to the case being dismissed.
Product: Payday loan

I keep getting cash net sending me invoices on a loan never got I think my information was hijacked and attached to false loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Notice for Proof of Claim Account : KEYBRIDGE # XXXX To Whom it mayConcern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit reporting or other personal consumer reports

Ive received emails from Experian about personal information being leaked through data breaches. I looked at my Experian account and noticed my credit score dropped and incorrect information is on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am a victim of identity theft. Due to the XXXX XXXX XXXX we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Product: Money transfer, virtual currency, or money service

Im writing to express my concern of using Zelle and how they handled any of my disputes in the past. Im now seeing a CFPB lawsuit with Zelle in regards to the many issues with the platform, especially with any lack of help with any disputes. In the past I have had many instances where I tried to dispute lost money through Zelle and was always told that once any money is sent that they couldnt do anything to help with my situation, leaving me with lost funds. CFPB found that Zelle neglected to protect any customers and allowed repeat offenders to take advantage of Zelles lack of security and neglect towards their customers, leaving everyone vulnerable to future fraud transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

FMC-OMAHA SERVICE CT This showed up on my credit report this month with a balance of {$5900.00}. This account was charged off in XX/XX/2012. It is showing this as a new balance not current on my credit report. I called in to Ford Motor Credit and they can not find an account with my name. How does the company not have an account with my name on it but I get hit on my credit report for missing a payment on a debt that was charged off over 7 years ago? This is fraud.
Product: Credit reporting or other personal consumer reports

Experian is not following guidelines and laws to properly handle dispute. Credit bureau continues to move fraudulent accounts on my credit report to different subcategories, instead of removing/deleting fraudulent accounts. I have provided numerous documents and identification to proof accounts were inaccurate, fraudulent, and do not belong to me. Police report has been filed. Identity theft reports filed. Documents uploaded to dispute and fraudulent accounts center.
Product: Student loan

XXXX account is a spousal consolidation loan ffelp that I have requested to have placed into Admistrative Forbearance while waiting for the paperwork to separate the loan. Case number XXXX has been referred over to the XXXX XXXX XXXX and I am waiting for the paperwork. Nelnet has not responded to me making the request by email and when I advised them of the request over the phone they say they couldn't since they have not received the instructions to apply forbearance.