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

Hard Inquiries as follows : - - - - - - - - - - - - - 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 - - - - - - - - - - Collection Account as follows : - - - - - - - - - - XXXXXXXX XXXX XXXXXXXX XXXX - - - - - XXXX - - - Reporting inaccurate information as of XXXX. 
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXXXXXX XXXX XXXXXXXX XXXX. They did not provide me with the original contract as I requested. According to the FCRA it is illegal to report a debt & late payment on a debt that has no contractual agreement.
Product: Debt collection

On XXXX/XXXX/2016 I contacted syndicated office systems in order to resolve an outstanding account. After my identity was verified, the representative was rude and bullish. I requested to be transferred to a manager and i was transferred to a lead person. His name is XXXX XXXX, who was nastier than the first person. He refused to verify any information to prove that the outstanding account was mine. I repeatedly requested that he verify the address on file but he said that he does n't do that, that i had to do so myself. After several uncomfortable minutes, i finally just wanted to get the situation over and just paid the account. I felt bullied and harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance.  Review  carefully and follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I enable automatic payments in XXXX with santander consumer to start in XXXX. They didn't enable them as asked and are refusing to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed several times as there are many violations with this account : account XXXX XXXX with XXXX and Equifax XXXX : account XXXX XXXX Equifax : account resolution and collection bureau of {$180.00} These companies have failed so show some type of signature or contract that I have alleged debt with THEM! This is also a violation of my HIPAA rights. I have not signed a HIPAA Release form with the alleged creditors. Therefore, these are inaccurate and HIPAA violations and need to immediately be deleted. HIPAA laws protect my personal information from being used without my consent. 

Also, these accounts are in violation of the NO SUPRISE ACT! 

Also, these alleged collection accounts are not open accounts and therefore are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to this agency and it came back " verified ''. The thing is, errors are still on my report even after the result therefore I submitted another dispute noting every single error. Please see attached.
Product: Credit reporting or other personal consumer reports

XXXX  is reporting information on my account that was do to identify theft accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX buy law I have right to send documents showing that the accounts are fraudulent under lawsa ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$180.00} XXXX  XXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}
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 witir error les siuti on 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 or prepaid card

XX/XX/2021 my cash card through cash app was fraudulently used without my permission or acknowledgement. I didnt find out about until the XX/XX/2021. Cash app never reached out to me to alert me of the unauthorized transactions. Even though it shows the used an old bank account debit card ending in XXXX that was linked to my cash app account a month ago. I was scammed out of {$2100.00} back in XX/XX/2021 by scammers posing as cash app technical support department with a fraudulent phone number. I reported the incident to cash app support by email and the responded quickly but ultimately did nothing or even bothered to follow up with me. My bank was abled to allow me to dispute the transactions with the card ending in XXXX XX/XX/2021 approximately. I cancelled that card ending in XXXX. The gave me a new card which I linked with me cash app account. Cash app recommended that I do some things to protect my account as well and I did everything to listed in email. So my account I assumed was protected from any further fraudulent transactions. I even got skeptical and I opened another checking account with XXXX XXXX and linked it with my cash app to prevent fraud. I used the Bitcoin feature several times without no problems. My tax refund in the amount of {$5600.00} was deposited on the card in late XX/XX/2021. I checked me account frequently and only used it a couple of times by taking out only {$200.00} to {$250.00} and then replaced it from my XXXX XXXX account to keep it at the origin balance of {$5600.00} or at least the difference of the {$200.00} or {$250.00}. In the second week of XXXX it shows in the activity with cash app when I withdrawing and all transactions. On XX/XX/2021 I was needing to use my Bitcoin through cash app that day and discovered {$2100.00} was missing out of my account. So I went into the activity tab and discovered that these unauthorized transactions failed but {$2100.00} the same amount that I was scammed for back in XXXX with the same card ending in XXXX was attempted. I informed cash app immediately by email. I also went to withdraw remaining funds of the cash card prepaid card at XXXX XXXX which declined. I called XXXX XXXX XXXX XXXX that handles cash card transactions and made a complaint with them on XX/XX/2021. The informed that they will forward this to cash app and that they would get back with me on the following Monday. They actually reached out to me the next day saying that my account has been closed because I violated their terms. And that I could get the remaining funds out of my account by transferring to my XXXX XXXX account which I did. They also said that the didnt see the {$2100.00} that I was disputing which is ridiculous. In their activity tab if my cash card account didnt show where my money disappeared to, but I know the amount of {$2100.00} was taking without my authorization. I also had my stimulus money be deposited that same day XX/XX/2021 which was sent back due to their unprofessional poor customer skills and fraudulent practices. Please address this and if you need proof from me I have the snapshots from the errors they made.
Product: Debt collection

Call repeatedly daily, sometimes every 20-40 minutes in between and even blocking the number at times. When my wife answers they ask for my attorney or legal representative. Make threatening statements of lawsuits, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, In late XXXX I had some trouble with making a payment on time for my car loan with XXXX XXXX. Realizing how much of a problem this was I reach out to XXXX XXXX Auto and at that time I was able to make an arrangement in which the rep I spoke with stated that my credit would not be effected negatively if the arrangement was kept. In XX/XX/2020 I noticed that I had late payments on my credit report for XXXX and XXXX despite the assurances from the rep that I spoke with previously. I contacted XXXX XXXX XXXX in XXXX and informed of the late payments that were reported after completing an investigation XXXX XXXX XXXX corrected my credit report for the months of XXXX and XXXX. I continued to keep up the agreement in XXXX and XXXX. My XXXX payment came just a few days late in early XXXX but never reached the 30 day mark. I have recently discovered that XXXX XXXX XXXX marked me late for the months of XXXX and XX/XX/2020 despite my on time payments. I have disputed these payments with the credit bureau to no avail and when contacting XXXX XXXX very little was offered in correcting this issue. 

I also have not been able to log in to the online portal to make payments in a way that would be most comfortable for me. I do not receive any billing statements in the mail and can not see the online statements to properly track my bill despite contacting the company several time to have them resolve this issue to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Experian and XXXX XXXX XXXX and their inability to process accurate data as a result of disputes. 

Within the past 7 days, I have disputed an item in accurate credit item from XXXX on my credit report with Experian that was updated as accurate twice after I paid the balance in full. I provided documentation proving that this account was paid off over a month ago, but yet, Experian responds to my disputes within days indicating that the item has been updated on my credit report, still showing that I owe the company almost {$2000.00}. It is clear that Experian is not handling these disputes with efficacy. I do not believe a company could verify and/or update correct information regarding an active account within days. This seems like a shady business practice on Experian 's end. Company 's should not be allowed to report inaccurate information, especially when there is proof that the account has been legitimately closed! Is this even legal?
Product: Money transfer, virtual currency, or money service

This complaint is regarding the recent Zelle lawsuit on CFPB. It came to my attention that recovering lost funds was impossible and that we were not able to track the funds or where they went. There was no warning before I sent the funds that it would not be able to be recovered. I have lost out on a significant amount of money due to this issue on the platform. This shows the negligence Zelle has for its consumer and their failure to protect our funds leaving them open to scammers who exploit the system. 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

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

Account Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX Account XXXX XXXX Creditor Name : XXXX XXXX XXXX Creditor Account XXXX XXXXXXXX 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX, account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late. Thank you.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, and I can not figure out how they got there. I routinely check my report, and this time, unexpected discrepancies appeared. I even refreshed my browser thinking it might be a glitch, but nothing changed. These unauthorized entries remain, and I demand immediate attention to the documents Ive submitted so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent over the ftc violation of the inaccurate information
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed these accounts that does not belong to me.
Product: Credit card

XXXX fraudulanty charged my TD bank account for {$20.00} a month without my permission or authorization. I tried to contact the bank several times to have them reverse the charge but was disconnected. I pay my accounts in full every month so there is no reason for such charge. XXXX did not credit these charges to any XXXX related credit card account so therefore they kept my money and gave me a difficult time to refund my monies.
Product: Mortgage

Freedom Mortgage did not my pay my escrowed taxes by due date XX/XX/XXXX resulting in a penalty of {$250.00}. That late fee was taken from my escrow account and as of XX/XX/XXXX it has not been credited back to me. I faxed all docs on taxes to Freedom Mortgage XX/XX/XXXX. I've made 7 phone calls to them asking for the late fees to be added back to my escrow account. They always say they are checking on it and will call back, but they have not contacted me since their letter of XX/XX/XXXX which said they were looking into this. I have asked for an updated escrow statement on each call from XX/XX/XXXXon, but have not received one. I have repeatedly told them I would file complaints if I did not hear back. They have not contacted me since the letter XX/XX/XXXX.

Attached are 1 ) Notes from all phone calls to Freedom Mortgage 2 ) copy of fax pages including original tax bill and notice with late fee sent to Freedom Mortgage on XX/XX/XXXX 3 ) Letter from Freedom Mortgage dated XX/XX/XXXX and 4 ) Escrow Disclosure dated XX/XX/XXXX that shows my escrow was debited {$2500.00} for the taxes ( {$2200.00} ) +late fee ( {$250.00} ).

I have spent many hours trying to resolve this issue.
Product: Credit reporting or other personal consumer reports

The reason for this, is to dispute all XXXX unauthorized inquiries on my credit report. 

XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.
Product: Checking or savings account

Bank name : Wells Fargo Total transactions amounts : $ XXXX Date : XX/XX/XXXX Note : I do not have overdraft service and didn't sign up for overdraft service, but Wells Fargo is always in the habit of double posting past transactions and charging my account with fake overdraft fees for no reason. This is the fifth time Wells Fargo has double posted past transactions in my account and charged my account with fake overdraft fees and made me pay overdraft fees for something I had already paid for with sufficient funds in my checking. 

Transactions : Transaction : {$35.00} Overdraft fee on XX/XX/XXXX for a {$7.00} taxi ride I paid for with sufficient funds in my checking. 

Transaction : Wells Fargo debited my refund of {$43.00} ( credit ) from XXXX on XX/XX/XXXX. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$28.00} from my savings into my checking with sufficient funds in my savings. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$43.00} from my savings to my checking with sufficient funds in my savings.
Product: Mortgage

Mortgage was taking out in XXXX with XXXX. Due to divorce and declared bankruptcy. I have been trying to work with XXXX since XXXX to have my mortgage modified. I also made payments and applied for modifications. After being denied modification I stopped making payments on the loan. 
Currently I am not sure who owns the loan or services. As I have never gotten a formal letter notifying me. I receive a bill from M & T and Service request from XXXX XXXX Servicing on mortgage refinancing. 
I also searched my loan and noticed XXXX XXXX may own my loan.
Product: Debt collection

The company contacted me, my partner, my brother, and my aunt on XX/XX/2021. I blocked the number after advising them to stop contacting me. 

They sent an email to myself on XX/XX/2021 and claimed to be working for XXXX XXXX XXXX. They text my father and myself on XX/XX/XXXX. 2021. 

They refused to provide me a statement or verify the debt. I contacted XXXX XXXX XXXX and they advised that they no longer own the debt on XX/XX/2021. They advised me who the new owner was. 

I contacted both XXXX XXXX and Foster and Monroe to request to verify my debt and requested to be provided a statement on XX/XX/2021. They have not replied. 

On XX/XX/2021, they contacted me again by text at XXXX XXXX. My father got the same message.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Ditech, LLC is reporting incorrect information. I have never had a account with this company. They reported to credit bureaus that there was a cancellation of debt for {$4900.00}. This is incorrect. 

I did have a loan with Greentree, LLC. So I do not know if this information was sold to Ditech, LLC. We do a short sale that closed in XXXX 2015. Greentree was paid and I paid them as agreed. I was never late. Ditech, LLC is reporting that were missed a payment in XXXX 2015 which the same month Greentree received a check for {$4900.00}. Which closed out the account. 

I need to speak with someone at this company who can help me.