23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A person who maybe have fake name and fake XXXX  account called XXXX and also a fake XXXX account under XXXX Was able to fraud and scam me and several of my friends In her XXXX account you will be able to see that she scammed XXXX XXXX people so far She was able by sending a links to hack my bank and transfer the amount of XXXX $ and that all what was in my bank in that time That person used XXXX application that was inside my bank account While XXXX was never authorized to be in my bank my bank is Bank of America i tried to call them and solve the problem with them several times and everytime they will file a case and let me wait for almost a month before they will answer that they decline my complainand they cant refund the money since XXXX is insecure and cant access the scammers account My bank was suppose to be secured bank and not allowing fake people to fraud us and steal our money Last final call was made today to BOFA and after 1 hour in the phone they end telling me we cant help you and you can close your bank account if you want and file a police report or FBI report More information and proves and pictureand phone numbers of the scammer and phone numbers of other victim of the same scammer i can provide when requested by you Thanks
Product: Mortgage

Hi my is name   XXXX   XXXX  . Im working with my servicer Select Portfolio Servicing ( SPS ). Recently I have mailed in my for a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called in to SPS asked them whats the status and they tell me that they will continue to foreclose on my home. They will be violating my California Homeowners Bill of Rights Act if they proceed with the sale while having a complete full RMA packet.
They still are proceeding to sell my home. I have sent over to them a Complete RMA package and SPS even acknowledged that they have received a Full Complete RMA package. How is this possible that proceeded with a foreclosure of my home when they have a Full Complete RMA package?
Product: Student loan

In the past I 've come across some hard times and needed help. Navient or XXXX alays gave me the feeling that I was doing something wrong. I 've called a few time to be put on forbearance, hold off on payments or what we you want to call it. It 's difficult to say what I 'm on right now because it 's confusing when I call and I never understand what they say. I feel they try to trick you into doing something you really do n't need to do. As of right now I will be paying for my student loans until I pass away. It 's sad that I let it get like this but to get a degree and colleges cost so much, this is the only way to achieve this. I 'm racking up inyerest, late fees and who knows what else. I 'm worried that Navient /XXXX is making it hard for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, XXXX XXXX XXXX, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both Equifax and XXXX, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. XXXX XXXX XXXX made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching XXXX XXXX XXXX it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.
Product: Student loan

I enrolled in student loan thru sallie mae in XX/XX/2014 When my loan came due it was very difficult to understand how to enroll in my repayments options ( income driven vs normal ) as well as enrolling the proper account to use in the repayment.
Product: Debt collection

Despite the fact that I filed for bankruptcy, XXXX XXXX XXXX is contacting my relatives in an attempt to collect on a debt that has already been discharged in Chapter XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) XXXX  2. ) XXXX XXXX XXXX 3. ) XXXX  XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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: Debt collection

For ten years I have had my current phone number. From the beginning it has been on some collection list that gets passed around from year to year. The latest is mercantile adjustment XXXX. If they are calling us, it is because they have some 10+ year old debt sheet that they are harassing people with. Please return the favor. Here 's their contact info. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To Whom It XXXX Concern : I am writing to dispute several unauthorized credit inquiries on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize : Details of Unauthorized Inquiries : Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX Business Type : Miscellaneous Reporting Agencies Contact Information : [ No address or phone number provided ] Action Requested : I kindly request that you : Remove the inquiries from my credit reportXXXX XXXX equifax and XXXX  Provide written confirmation of the removal.
Product: Mortgage

Over the last several months I have provided various legal documents to the Loan Servicer in an attempt to be granted a Successor in Interest for a property of deceased borrower ( from XXXX XXXXXXXX ). Despite providing documents requested, I have still been denied with no clarification as to why. The SII is very pivotal to my attempt to receive assistance from the Texas Homeowner Assistance Fund, who has assured me that an SII from the Loan Servicer would allow them to move forward with a reinstatement of the past due loan and taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a company a letter requesting proof of permissible purpose because there was an unauthorized inquiry furnished on my consumer report for the date of XX/XX/XXXX. I do not have an open or closed account with this company. I gave them 10 days upon receiving the letter to respond, and they ignored my request about the inquiry the furnished on my report. I made them aware of the violation of permissible purpose 15 USC 1681b ( 2 ) when it comes to viewing consumer reports without the written permission of the consumer and told them if they failed to provide proof of permissible purpose, they must delete the inquiry from my consumer report. The inquiry still remains more than 30 days later.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letters to all three credit bureaus requesting deletion of inquires on XX/XX/2021 also called XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity theft, and I have enclosed copies of my police report, identity theft report, drivers license, Social Security card, and proof of my current address to verify my identity. I am formally requesting that you immediately block and remove the fraudulent information detailed below from my credit file. 

I recently obtained a copy of my credit file, and it includes information that does not relate to any transactions I have made. This is not a regular dispute, and I have filed a complaint with the Federal Trade Commission to document my identity theft.

Per Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and delete the following fraudulent accounts and incorrect personal information from my credit file within 4 days of receiving this letter : Incorrect Personal Information Account Number : Former : XXXX XXXX XXXX Incorrect Personal Information Account Number : Former : XXXX XXXX XXXX Incorrect Personal Information Account Number : Also Known As : XXXX XXXX XXXX Incorrect Personal Information Account Number : Also Known As : XXXX XXXX XXXX Identity Theft - Inquiry Creditor : OneMain Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Inquiry Creditor : XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX  Account Number : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX. 
Account XXXX : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

Identity Theft - Fraudulent Account Creditor : XXXX XXXX XXXX  Account Number : XXXX Please remove this from my credit report. 

I expect prompt attention to this matter, and I look forward to receiving confirmation once the fraudulent information has been removed.
Product: Debt collection

Insurance policies through XXXX XXXX XXXX XXXX that were paid via payroll deduction from a previous employer were cancelled in XX/XX/2019. The policies were : - AUTO : XXXX - HOME : XXXX - PELP : XXXX Final bills were mailed, and were paid via telephone ( at the accounting department phone number provided, XXXX ) on XXXX. Proof of payment in the form of a credit card statement is attached. Payment confirmation numbers were as follows : - AUTO : XXXX - HOME : XXXX - PELP : XXXX Despite payment, Final Notice paperwork was sent on XXXX, threatening to send to collections if the payment was not received. 

A phone call was placed to the accounting department at XXXX on XXXX. Representatives confirmed that the balance has been {$0.00} since the payment on XXXX. I insisted that I wanted proof of payment mailed to me, and case number XXXX was created. This case promised an update in four business days or sooner. Seven business days later, an email stating nothing more than " Thank you for contacting XXXX XXXX XXXX XXXX XXXX XXXX. We value your patience as we reviewed your case XXXX. Your case is now closed. '' was sent. No letters confirming the debt was paid have been received. 

On XXXX, two letters arrived from " CREDIT COLLECTION SERVICES '' stating that they are debt collectors and that I owe {$180.00} and {$65.00} to XXXX XXXX XXXX XXXX. 

As every call to the accounting department at XXXX has been met with an incompetent representative who confirms that the account is closed with a {$0.00} balance, and the escalation system has failed to provide me with an adequate resolution, I am filing a complaint here. The fact that debts were fraudulently sent to a collections agency is a serious action action on behalf of XXXX XXXX XXXX XXXX, and triggered escalation far beyond what I have been able to achieve via the accounting department. 

NOTE : the upload of files seems to be stuck at " Uploading ''. Contact me via email for the PDF files.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 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 institutes and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency in unacceptable and raises concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

This is not my student loan account. I have no knowledge of this account. It says it was opened in XXXX of XXXX and I havent been in school since XX/XX/XXXX. The only student loans that were taken out for me were private student loans in my fathers name who passed away XXXX. I didnt even know this was on my credit report until I seen an alert today that my credit score plummeted XXXX points which is detrimental to my score when I have been trying to raise it by XXXX points for the past 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I XXXX XXXX XXXX moved from a " XXXX XXXX  '' managed low income apartment to another low income county managed " XXXX XXXX '' property. There was a case manager helping me pay fees and handle paperwork between both properties with full communication and address disclosure with forwarding information. 

Months later XX/XX/XXXX, after my move, I received a collections notice for {$55.00} for move-out fees from " XXXX XXXX  ''. The past due collections amount was due immediately to " National Credit Systems , Inc. '' I was fully reachable at the time of the move, and to pay the move-out amount due. At any time, XXXX XXXX could have reached through my case worker or at my new forwarding addresses. I had given them the address with my 30 day written notice of intention to vacate. 
I believe this was done out of negligence, and or fraud by both XXXX XXXX and the collections company involved. Getting any information or help from either of them was impossible. 

These actions did affect my credit and today, XX/XX/XXXX, I paid the full balance of {$55.00} online and will be watching to see if it clears my credit report. 

Additionally, my case worker and I made attempts to contact XXXX XXXX   only to be told the property manager couldn't handle it anymore, to call corporate, then told that I'd never provided a forwarding address causing them to have to send it to collections. That is all false!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that XXXX XXXX did a hard inquiry to Equifax on XX/XX/XXXX. I did not authorize XXXX XXXX who said the request came from XXXX XXXX which I did not authorize either. I filed a dispute with Equifax confirmation # XXXX. On XX/XX/XXXX I received an email that the dispute was completed and to contact them for results. I spoke with them and are refusing to remove the hard inquiry that I should dispute it with XXXX. But Ive had no dealings with XXXX  and I think they should be the ones to ask XXXX for proof that I authorized them which I did not. 

Why is the burden of proof on me? Equifax has an obligation to keep my credit report accurate and they arent doing that.
Product: Credit reporting or other personal consumer reports

I wrote a letter to XXXX, XXXX and EXPERIAN on XX/XX/2024 to dispute this accounts XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX, I stated the inaccuracies appeared on each of this account. I was never late to any of these accounts. I received a letter from XXXX stating that the letter is not from me. I created sent out that letter with my ID 's and some information so how did they verify that it is not from me. They didn't even mark these accounts as being in dispute. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress. I will attached the letters that I sent to them and also the letter that I received from XXXX.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX in XXXX of XXXX and last week while driving the car just completely shut off while driving on the highway in the middle of the night with no warnings. I get the car towed to a dealership the following day only to be informed that the motor had went out and that this was a known issue for this make a model vehicle. I contacted XXXX and Santander only to be told there's nothing any of them can do for me and that I'd have to pay over XXXX XXXX  to get the motor replace. There's no way in XXXX that consumers should be punished for defective vehicles with well known issues or for any issues for that matter for defects that are beyond our control. I refuse to pay for something I didn't do and I'm exploring all of my options allowed under the law to put a stop to this. I will not be punished and forced to come up with money I don't have to fix something I didn't cause. This is ridiculous. I will be going to the FTC and Attorney Genral and whoever else I need to go to to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these following accounts due to the fact my identity was compromised long ago, but yet these unauthorized accounts are still reporting on my credit file. I'm demanding that they be blocked, or the 3 major credit bureaus so just why they are reporting these unauthorized fraudulent accounts. Please block these accounts ( 1 ) XXXX, ( 2 ) XXXX XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
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 proce 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 XXXX ) financial loss, and I seek appropriate redress I have lost accounts with more than XXXX due to no one responding. 

I have since made a new account and still have had issues with multiple thousands of disputes not being addressed