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

I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. Due to the Equifax data breach my information leaked and used improperly I submitted a block and delete request to [ CRA Name ] under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.z
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the method of there investigation Pursuant to 15 USC 1681a.

The letter i received back stated it was verified. Again, by who? what is there name and number? The law is very clear on what can go on my consumer credit report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Credit card ( social security card ) The Social Security Administration own the Social Security Card and debt is the obligation of the United States. See 28 U.S.C 3002 ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ;
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches resulting in identity theft. Not able to login to equifax, XXXX, XXXX. Been receiving email alerts my credit score dropping weekly due too inquiries. Credit Reporting Agencies have incorrect addresses, ssn #, phone numbers, names. XXXX credit cards have been opened using some of my information. This has been happening for XXXX  years. Disputed items on credit report with XXXX XXXX. The information according to XXXX  XXXX has a address in Michigan. I have never lived in Michigan. They have failed to provide sufficient explanation of how they verified this information. I have never signed Contract with XXXX XXXX nor do I appreciate my personal information being distributed and has affected my inability to obtain credit. It is a embarrassment and humiliating to be called uncredited worthy for accounts I did not apply for. I have XXXX hard inquiries I have no idea who they involve or detail. Lvn funding states account {$590.00}, pro premier {$300.00}, premier credit {$180.00}.
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report that I would like removed. 
According to the FCRA these unverified and unauthorized items must be removed. 

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 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile. 
-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 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years. 
- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNTS ( XXXX XXXX Reporting inaccurately Delinquent late information was never late ) ( XXXX XXXX XXXX, Reporting Incorrectly This account was paid in full never late )
Product: Credit reporting, credit repair services, or other personal consumer reports

As I checked my three credit reports from annualcreditreport.com, on XX/XX/20XXXX XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with XXXX and Transunion and not with XXXX. I'm requesting that this inaccuracy be deleted from XXXX and Transunion credit reports.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Names 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$400.00} XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$400.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$400.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$210.00}
Product: Student loan

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an educational installment account that has become a collections item and is significantly impacting my credit report. This collections account is identified as " XXXX XXXX XXXX. '' The presence of this account on my credit report has caused substantial financial and personal distress, limiting my ability to achieve my financial goals and secure funding. 

I became aware of the collections account " XXXX XXXX XXXX '' when I reviewed my credit report. This account had a profoundly negative impact on my credit score, and I have no prior knowledge of its existence. The account 's presence has made it extremely challenging for me to obtain financing on favorable terms, pursue my educational and career goals, and secure funding for various personal and professional endeavors.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown account, XXXX XXXX is currently reporting on my Equifax credit report which does not belong to me. The account also was reporting on my XXXX account which was disputed and deleted from my report. Equifax has not provided me with any mechanisms or procedures in their investigation.
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 of times. And reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and that tracking these transactions was infeasible. The CFBPs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to explore the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Fortiva is falsely stealing money from our XXXX  family member and will not remove information Very unremorseful company with no empathy towards XXXX. Make false claims and negative.
Product: Payday loan, title loan, or personal loan

I paid off this loan in XXXX, and now they are trying to sue for more than the amount of the original loan. I paid them {$460.00} on XXXX after calling them to ask for the pay off amount on the same day. Never defaulted before I made this payment. After the payment they were still making withdrawals ( 4 in total that were disputed with my bank ) bank decided to give me a new debit card in XX/XX/XXXX. Then speedy cash sent me to a collection company which put it on my credit report. Disputed with credit bureaus, and provided my bank statement with the email showing payment in XX/XX/XXXX, and it was removed from credit report. XX/XX/XXXX they reported it again to my credit report after removal. Disputed again, and never received validation of debt after dispute process. XXXX of XXXX the filed to have me sued in court. Provided the same proof, and now they are saying I falsified documents. Which is very insulting since I went to the bank to get my statement on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Nordstrom/Td Bank {$2200.00} for a credit card I never received due to XXXX XXXX XXXX XXXX XXXX my USPS mail XXXX 
She stated she charged {$5000.00} and Nordstrom credited {$2500.00} back per Fraud department. ( XXXX ) I reported this identity theft in XXXX to FDIC, local white XXXX XXXX police XXXX XXXX XXXX # XXXX who has body cam footage of XXXX XXXX XXXX stealing my card at XXXX XXXX XXXX, XXXX, Nj XXXX. 

On camera XXXX XXXX XXXX used it inside Nordstrom XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Store # XXXX XXXX XXXX, Store Manager XXXX I went into the store and spoken to security who stated in front of XXXX XXXX police XXXX XXXX XXXX XXXX on body cam she used my credit card on camera XXXX XXXX XXXX ( XXXX ) XXXX I called XXXX, to XXXX XXXX XXXX. 

I had the FRAUD dept investigate this in XXXX, it was charged off XX/XX/XXXX.
Product: Mortgage

See CFPB Complaint ID XXXX for original complaint. US Bank failed to provide proof that I agreed to pay an escrow waiver fee in the closing documents. They sent me a long-winded document of how they feel the fee is acceptable, but their statements are non-binding. Nowhere in my closing documents do I see where I agreed to pay a fee to have the escrow account closed. XXXX XXXX  ( original lender ) transferred servicing of my mortgage loan to US Bank effective XX/XX/XXXX, however, the document clearly states nothing about my mortgage loan would change. But even so, US Bank feels entitled to apply a fee I did not agree to for closing my escrow account. I'm attaching feedback on US Bank 's XX/XX/XXXX response to the above referenced claim. My comments are included in red.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported fraudulent inquiries on my credit report Ive sent out letters and they were never removed. Ive made phone calls the moment I got alerts of my credit file being pulled I immediately notified Transunion via telephone and they refused to remove them from my report. I was able to freeze my file but as of now these fraudulent inquiries are still on my report.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$23000.00}
Product: Student loan

We have made multiple attempts to verify employment with Mohela for the XXXX and it continues to show employment not certified. 

We have contacted them directly, refaxed multiple times as requested and still no employment verification as been completed. This has been on going since XXXX of 2022.
Product: Checking or savings account

I received a couple pieces of mail, dated from XXXX from PNC Bank stating that there were 3 accounts opened in my name. I spoke to PNC and they closed the accounts but also suggest me to contact the FTC and the credit bureau as someone has my information.
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with account listed under IQ Data International. I requested a validation on XX/XX/2020 as there were several discrepancies that were identified with this account that I do not believe I owe. My main issue is that I was a participant with XXXX XXXX XXXX XXXX at this time and due to mold issues in the apartment that were not corrected within the amount of time that was agreed upon between landlord and XXXX I was required to move. This is something that the landlord was aware of and due to their failure in acting and upon agreements between housing and them they forfeit any rent owed. I reviewed my credit report again on XX/XX/2020 and the account was listed as disputed by consumer however no validation of debt was ever received. Therefore on XX/XX/2020 I sent a 2nd validation letter requesting complete validation for this debt again. Credit report was reviewed again on XX/XX/2020 and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX after my car was repossessed by my lien holder who never disclosed as a debt collector I looked into my XXXX XXXX account for my credit report as both XXXX and XXXX both regularly update my history my score and my report and I saw where it says XXXX loan and it identified as the number XXXX and then under account closed as a charge off and a write off as of XX/XX/XXXX account closed profit /loss and last payment made XX/XX/XXXX And no derogatory remarks and no collection marks So I proceed to call Santander consumer the lien holder/debt collector and ask how is it that they are able to use a car as security on a debt that doesnt even exist? They were adamant about it being a charge of and said itd just the credit bureaus!! So Im not understanding what he means by this did i miss something? I was just informed that he told me that the debt was reported to the shareholders of the company, Im not making this up, and the shareholders are writing it off as a loss of a unfulfilled contract. So Im assuming that since they made the loss a tax deductible loss and the debt no longer exists Im not so sure that I have had my property seized legally and then why on XX/XX/XXXX I dispute the bureau both of them on my credit karma account and find five days later the disputes have been remedied and the result was exactly the same thing, yet on XX/XX/XXXX I was really not happy to see my XXXX  credit report that showed my Santander account to be delinquent not just once in XXXX but 2x yes on XX/XX/XXXX and on XX/XX/XXXX both were reported as delinquent and no charge off no recovery no bad debt last payment XXXX. I have made XXXX $ in payments to that account since XX/XX/XXXX and Ive yet to receive not one call from any debt collection agency not even one! So they told me themselves that they are the one who is collecting the debt yet they say that they already reported it as a loss to their shareholders! And some times when I call them they identify as an attempt to collect a debt and sometimes they dont! So how do I know which one Im talking to? And even since my dispute on my own behalf the reports have made no more change
Product: Checking or savings account

Hi, I checked my banking statement today and just happened to notice that M & T Bank has been charging XXXX {$3.00} every time we pull money out of our account from a non mt bank. I was confused as to why we are being charged a {$3.00} fee when no one ever mentioned to us that we we would be charged a fee to take money out of our account. Their website clearly states under number XXXX and XXXX that they will not charge you a fee. I will post the link below. I called a customer rep today XXXX pm and she stated that I had to visit a MT Bank not to be charged a fee. I also asked her would they reimburse me for the atm fees and she mentioned that I could call the branch to ask them. She wasn't very helpful at all. I advised her that I use XXXX XXXX  at XXXX or XXXX XXXX  to take money out of our account. I even mentioned to her that if we don't get reimbursed for these atm fees that I will be moving our money to our other bank since they do not charge us fees and the customer service rep said that I could use which ever personal bank that I wanted. She wasn't very helpful and didn't seem to care about me stating that I would close our account. Driving XXXX minutes to an XXXX  XXXX  with traffic is an inconvenience. I called the XXXX  XXXX  in XXXX XXXX  which is known for not being XXXX friendly and of course no one answered the phone. We have not only a personal but I have a business account with MT Bank. I would like to be reimbursed for the ATM fees or we will be closing our account. I reviewed our bank statements and had no idea that we was being charged these junk fees when their website states other wise. 
We were charged {$3.00} for all of these dates and requesting that we be reimbursed for a total of {$54.00}. I posted the link at the bottom of their disclosure. 

XXXX XX/XX/XXXX XXXX None XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX # : ~ : XXXX % XXXX 's % XXXX % XXXX, XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, XXXX % XXXX % XXXX % XXXX % XXXX % XXXX.
Product: Checking or savings account

My father passed away on XX/XX/2021. There was a woman living in the house and she was forging checks and depositing them into her account. A police report was filed on XX/XX/2021. The bank was notified and affidavits were completed for each forged check. The bank supplied statements going back 3 years and over {$230000.00} in forged checks were identified. The majority of the forged checks were forged and deposited within the last year when my dad was isolated due to XXXX. The amount and frequency increased substantially to {$10000.00}, or more, of forged checks per month. She even forged and deposited {$4000.00} in checks the last week of his life when he was in the hospital and dying in the living room. Citizens bank was immediately inofrmed and just as quickly denied the claim, saying that they were beyond 60 days. We have continually asked for the laws and procedures that they are referring to and they continue to not respond in a timely manner and not provide the informaiton. The 60 days from when they were informed accounted for {$20000.00} in forged checks and they won't respond as to why they are not reimbursing those funds to the account. It's a continuation of Citizens bank not responding, avoiding answering questions and putting off all communication as best they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent 3 months trying to dispute inaccurate information with Equifax. I've done online disputes, I've mailed several letters and I've had several telephone conversations. The fraudulently information that they are reporting has been removed from every other bureau but Equifax. The information that they are reporting is from a company that DOES NOT EXIST! 

The only solution Equifax offered is writing NOTES on my profile which is still preventing me from securing housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit XXXX  acct # XXXX as violated my rights.

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

XXXX XXXX offered me a store credit card telling me they do not accept my insurance. Making me get a store credit card over charging for one pair of glasses to actually find out they do accept my health insurance through XXXX XXXX. They denied my claims to return the funds and have them processed through my insurance leaving me with a balance.
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 proc 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 8.95 financial loss, and I seek appropriate redress