23daVinci/CFPB_Complaints huggingface dataset:
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  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all.

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. 

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB. 
Thanks in advance
Product: Money transfer, virtual currency, or money service

I am filling a complaint about Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices which violates the CFPA. Specifically, Cash App fails to protect my account from fraudulent charges which happens continuously and the customer support has done nothing to help me resolve this issue. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

EVERYTIME XXXX XXXX CUSTOMER CALL FOR NEW SERVICE, EQUIFAX ALLOWS XXXX UNLIMIT HARD PULLS PER XXXX. ALSO, XXXX SELLS ALL ITS COLLECTION ACCOUNT TO UP TO 10 COLLECTION AGECIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act 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 XXXXt Acts 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: Debt collection

Hi, My name is XXXX XXXX, and I have these debt collectors trying to collect debts and they are annoying me with these phone calls, and emails. The last one sent an email to me saying that I owe {$900.00} and I know that I have to pay XXXX. Just like how I told them I know that I owe XXXX their money but you don't have to send me a notice every time and you get my record. Can you step in and handle this issue for me.
Product: Student loan

I consolidated all my loans with FedLoan. It 's supposed to be a loan forgiveness program, but it 's obviously a scam. I 'm on an income based payment plan, every year I have to fill out a form stating my income the previous year. They have raised my rates continuously every year since I signed on with them. I ca n't afford the constant increases, and have appealed to them, but they continue to raise the payments. They go by your gross income, which is not truly reflective of the pay you take home. They say that it does n't matter than your gross income is n't your take home pay, or that you may have other bills. I have decided to get out of the Fedloan forgiveness program, as it is obviously a gimmick to make you pay as much as possible before they actually forgive the loan in 10 years. I think they should not be allowed to use your income before deductions to determine what rate you can afford to pay back. To anyone thinking of consolidating their loans under Fedloan, I would discourage them from doing so. The XXXX '' Program is a fraud.
Product: Mortgage

On XX/XX/XXXX we submitted an application for the HAF. On XX/XX/XXXX HAF reached out to our mortgage servicer requesting the balance needed for HAF to submit a payment for us. SLS has confirmed receipt of that request. On XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX we have reached out to SLS asking for the information to be sent. SLS claims they have 1 person in that department and " it takes time ''. As of today, the request for proof of the payments owed has been waiting for over 90 days. On XX/XX/XXXX a supervisor said it would be sent in 2 days. As of today there is no update from SLS.
Product: Checking or savings account

I am unable to reopen my navy federal account and was told to report it here.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, XXXX XXXX XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  did not report my car is completely paid off. Please remove asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XXXX and then again today. This company accessed my credit without written consent and are refusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO.
Account name XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022
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 findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting or other personal consumer reports

You are reporting this collection an " open account. '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed. 

FDCPA section 807 violation. Misleading false reporting. Remove account immediately This account is reporting a past due amount I don't know what this is. Remove immediately Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payments are being reported after the account was charged off. This is a fcra violation and you can be fined up to {$1000.00}. Remove immediately.
Product: Debt collection

I received a letter in XXXX from a company called XXXX. This letter stated that I had a collection from XXXX XXXX in the amount of {$100.00}. I am not sure if they got my account confused with someone elses but I did not or do not owe that business any money as I had paid my balance with them the last time I visited. I also know this because I had no insurance at the time and per their policy they make you pay the amount due before they will see you. At the time service is rendered. I reached out to XXXX via a letter which I will attach below and sent that certified mail well within the 30 days. In the letter they asked me to respond within 30 days and it says plus I quote if you request to this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor. The letter date on XXXX was XX/XX/21. In my letter I stated that I would like an itemized bill because the amount is unrecognizable as I have paid my account with XXXX. My certified mail XXXX XXXX  was sent back to me with no other letter attached and was by itself in the mailbox. It was signed off as a date of delivery being XX/XX/21. Well within the 30 days of me asking for them to provide me with information on this so called debt. I sent another letter to them and after several months I only got a single letter back from them with no proof of said debt and what this debt collection was a result of in this medical office. XXXX also reported this to the credit bureaus illegally since they did not respond to me with any valid evidence as I requested and this debt was also reported to the bureaus on XX/XX/21. Which was before I even received the very first letter from them and was also reported before my 30 days I had to respond to this letter. Id like to make this complaint in hopes of this f debt that I do not owe, to fall off. I did send in a dispute letter to all credit bureaus and they agreed with me and deleted the collection from my credit. All but one which was Equifax. I XXXX also like to add Equifax to this complaint as well as XXXX. I have not been supplied the demanded proof under the doctrine of estoppel by silence, XXXX vs. XXXX  ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have attached a copy of all letters that I have sent to XXXX. XXXX did not indeed supply any proof like I have stated above. I have tried to contact Equifax several times with this issue showing that the attempt from collection was not verified as I have asked. When I have contacted Equifax they have opened my dispute several times and denied it each time. However with all other bureaus they have deleted this collection off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amazon store credit card account opened in my name and used to ship items to address XXXX XXXX XXXX XXXX NE from the information I have been able to gather. I owned my own house and was paying a mortgage at XXXX XXXX XXXX XXXX XXXX ne XXXX when this account was opened and used to buy girls clothes, a vacuum and other misc items I would have had zero use for. My XXXX email account was breached and hacked in 2016 as well as XXXX. I have sent letters and identity theft report documents. I learned that I was a victim of identity theft just here recently by the IRS and Ive been trying to dispute this for years not knowing my rights under FCRA and now they will not remove the inaccurate reporting and negative information about me after receiving information that this account is not a result of me receiving goods or opening this account. Is it possible to get the IP address of where this was opened from? Its not from my house which would further validate this.
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   XXXX  represen ts EMC MORTGAG E  XXXX  both are third party d ebt collectors hav e filed a foreclosure action against my property. I have sent several notices to see attached notices. They have failed to meet the requirements of the Fair Debt collection act.  XXXX   XXXX   XXXX   XXXX   XXXX  have completely responded with the required information that was outlined in my Debt Collection letter. I have since filed suit against  EMC MOR TGAGE  XXXX , now  XXXX   XXXX   XXXX   XXXX   XXXX  is pursuing this same debt represent another Entity while the above-mentioned Foreclosure action is still pending in cour t. EMC MORT GAGE  XXXX  sold the right to the Mortgage in  XXXX   2017,  while they had a foreclosure action against me and failed to answer the debt validation letter. Currently, there is pending Lawsuit i n District Court, that  I have filed agains t EMC M ORTGAGE  XXXX  and Servicer  XXXX   XXXX   XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  # XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, Equifax and XXXX via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. XXXX responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting identity theft and Ive even sent police reports to support my claims the credit bureaus refused to remove the accounts from my report. They validated this debt more than once they are violating my rights under FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Transunion on XX/XX/2020 for incorrect balances on my credit cards. They still had old information from XXXX. They completed my dispute on XX/XX/2020 and did not correct two of my accounts. On two of my credit cards they stated no change. They put back the old XXXX balances. I filed a second dispute on XX/XX/2020 and they are telling me I have to wait until XX/XX/2020 for them to complete my dispute. This is not acceptable. I spoke to three Supervisors on the telephone requesting assistance. I have gotten no resolution. I contact my credit card companies in XXXX to request they update my information. On XX/XX/XXXX my credit balances were correct XXXX   balances. On XX/XX/XXXX after my first dispute was done my old XXXX balances were back on two of my credit cards. In XX/XX/2020 I paid in full all twenty of my CC leaving XXXX  balances. My credit score fell 35 points due to Transunion reporting incorrect balance on my XXXX CC {$3000.00} reported on XX/XX/2020 and XXXX CC {$1300.00} XX/XX/2020. I tried to attach documents on their website and was not able to. I spoke to a Supervisor on XX/XX/XXXX promised to call my two CC companies and call me back. As of today I have not heard back from that Supervisor. I want to refinance my home and take advantage of the low interest rates and I tried to boost my credit score by paying off all my debts in full. Due to Transunion incorrect reporting my score fell by 35 points. Now I have to hold off on refinancing due to Transunion inaccuracies.
Product: Payday loan, title loan, or personal loan

I borrowed money for a XXXX with OneMain Financial. If memory serves me correctly the total was approx {$6000.00}. During such time I acquired insurance in case of an emergency in which I did have to use on one occasion. Once I was able to pay again, I made a {$2000.00} payment which put me ahead a little. Just recently I did what I thought was to have paid off the loan. I called the establishment 1st however, they had already closed for the day. Therefore I paid the total amount online using the most recent statement that I had received. I thought I was all done and then I receive another statement requesting an additional {$160.00} payment. I was very upset and I called the branch again and asked for XXXX XXXX XXXX whom is the manager. The representative advised me that he was at another location and that she would forward him my information to call me back so that we can resolve the matter. However, no call and now this affect my credit worthiness according to my credit report. I just want to be done with this. I paid off the loan and this is really not fair.
Product: Student loan

I have been trying to reach Nelnet about changing my repayment plan from a XXXX XXXX Plan to a XXXX XXXX Plan. I have tried to call on two separate occasions. The first time I was on hold for over 30 minutes and no one answered the phone. I then tried to email the request through the request form on their website. I have not yet received a confirmation email that they have even received my email. I then spent over 1 hour on hold today and again no one answered the phone. I do not have time to take off work and wait for an unknown amount of time for someone to respond to a phone call, and I would have expected someone to even acknowledge they have received my request via email.
Product: Vehicle loan or lease

Dealing with this company, PAC Auto Finance is really hard. 

I have been charged insurance fees, even having insurance from XXXX. 
The policy number is XXXX. 

I need them to adjust the billing and stop sending me mails regarding insurance. 
They ignore our communication with them, and simply charged me, XXXX montly. 

Need the solution urgent!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXX/XX/XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX IN XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX, IL XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX I used my Wells Fargo Bank ATM card is a XXXX XXXX ATM in XXXX XXXX XXXX to withdraw XXXX XXXX Pesos. During the transaction process I was shocked to see how high the fees would be so I canceled the transaction before the cash was dispensed. I received back my ATM card and XXXX XXXX. 

However my Wells Fargo Bank checking account was deducted {$150.00}. When I discovered this I called Wells Fargo the following week to dispute this charge. This was made under Claim # XXXX. In the meantime they credited my account the {$150.00}. 

Fast forward to XX/XX/XXXX ( over 3 months ) I was notified by letter that they completed their investigation and that there was no error. Wells Fargo has deducted the {$150.00} from my account. 

I called in today, XX/XX/XXXX to find out more information. I was told that the other bank replied and told Wells Fargo that there was no error. There was no further information supplied such as video surveillance, etc.
Product: Credit card or prepaid card

It is a FACT, that on, XXXX 2021. I XXXX XXXX XXXX XXXX, went into XXXX LINCOLN FORD DEALERSHIP, on XXXX XXXX XXXX XXXX, XXXX, Va XXXX. To swiftly complete my, Personal CONSUMER CREDIT TRANSACTION on a 2021 XXXX XXXX. IT IS A FACT, that prior to my arrival for test drive, it was discussed and agreed, that my purchase would be a, Personal CONSUMER CREDIT TRANSACTION. I have EMAILS stating prior arrival for test drive. I sent a AFFIDAVIT OF FACT, w Invoice of VIOLATIONS, after i was DENIED MY RIGHT OF A Personal CONSUMER CREDIT TRANSACTION. I have video footage of the violations as well. I am currently sending a, NOTICE OF FAULT AND OPPORTUNITY TO CURE AD TO CONTEST ACCEPTANCE! Please Help! For ALL i was trying to do was, practice my RIGHT, to a Article 3 and TILA Consumer Credit Transaction! This Denial of my NATURAL RIGHTS, As a Consumer, Natural Person, Original Creditor! Thanks for ALL YOU DO FOR COSUMERS EVERYWHERE!