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

You Violated the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Product: Credit reporting or other personal consumer reports

I'm viewing my current XXXX Credit Report. Under potentially negative acct activity Seventh avenue  opened a {$100.00} credit limit to me XX/XX/XXXX. I remember contacting them by phone no less than 3 times since to close the acct. I don't like their products nor price 's. I made a purchase XX/XX/XXXX, XXXX says 30 days past due, XXXX says 60 days past due, XXXX is green for paid in full. XXXX XXXX still says Inactive. They made inquiry for my information XXXX without my request. In the information given under terms it says I made {$96.00} as of XX/XX/XXXX but it was reported past due. It's not scheduled to go to a positive status until XX/XX/XXXX. I think I bought a couple sets of towels for each of my kids family 's for XXXX that year. I have a freeze now on my credit bureau accts. This info is on my XXXX printed copy of my credit report. I told Seventh avenue years ago I didn't want their credit offer. All they did was stop sending me the magazine. They had no right to inquire about my info last year.
Product: Credit card or prepaid card

This account with CAPITAL ONE with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Student loan

I received two letters in the mail dated XXXX XXXX XXXX, telling me that two of my loans defaulted and if I pay them by XXXX XXXX XXXX then I can avoid them defaulting. I called to try and settle this. I was told on the phone that the two loans I was calling about didn't default but that one of my loans was in the process of being sold to a debt buyer. When asked why I received a letter about two loans that weren't defaulting, she said she wasn't sure but said that I have received several calls from them regarding my loans. They call me about 50 times a month and they also call and harass my family members regarding my loan payments. YET they didn't send me a letter about the loan currently being sold to a debt collector. They gave me ZERO chance to try and avoid it defaulting. When they called me on XXXX XXXX and I told them I couldn't afford to pay until I got paid on XX/XX/XXXX, they basically said " too bad ''. I am struggling to pay my bills and now there is a potential that my wages will get garnished because Sallie Mae DID NOT inform me that they were about to sell my loan to a debt buyer. I am FURIOUS when speaking to the lady on the phone all she said was " I've struggled myself, you'll get through this '' then proceeded to give me the number of the debt buyer while I was BAWLING my eyes out on the phone. I didn't write the number down or ask for it. I asked WHY I hadn't received a letter for the CORRECT loan in order to avoid it defaulting. She then stated that a letter was mailed out to me on XX/XX/XXXX ( which I have not received ) and she told me there was NOTHING that I could do. I am FED up.
Product: Checking or savings account

On XXXX, BOA charged my checking account for {$120.00}, claiming a check deposit was rejected due to it being cash twice. The problem is that I was not given credit for the " duplicate '' deposit. Matter of fact, if you looked in my account. You will not see any {$120.00} deposit on it. I have contacted BOA multiple times on this matter, they kept claiming they will open a claim and escalate this. It appears they never did as I don't see anything in the system and I am still out {$120.00}. I would like the CFPB to step in again as I believe this is a clear cut case where the bank can not show they gave me an initial deposit for this {$120.00}. I can't be out {$120.00} for a " duplicate '' deposit when I was never given the credit to begin with. 

BOA can do a search on my account for {$120.00} deposit. It is not there.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations 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

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name.
Product: Debt collection

I received a call from an unknown number stating that a certified letter was going to be delivered to me on XX/XX/XXXX between XXXX and XXXX XXXX. I was instructed to call XXXX and refer a reference number to prevent any further action. I called the number and was told that Wells Fargo, previously known as XXXX XXXX is filing a law suit against me for a debt that I owe on a checking account. My checking account was closed with that bank 15 years ago. I attempted to call the bank but without the account number, I did not get anywhere.
Product: Student loan

I submitted to XXXX 3 occasions since XX/XX/XXXX and they stated DEPARTMENT OF EDUCATION WILL NOT GIVEN decision on approval of my payments under limited waiver from XXXX to XXXX despite approved as a non-profit organization ( MY LOANS WERE NOT CONSOLIDATED AT THIS TIME and I did not make full payments but tried ). 

I requested under limitd waiver these dates count from XXXX to XXXX as limited waiver CARES ACT approved attempted payments even if not consolidated. 

I made a complaint XX/XX/XXXX ( XXXX ID ) and was told DEPT OF EDUCATION has not decided since XX/XX/XXXX. TWO YEARS AGO!!!. 

I have requested MOHELA to contact DEPT of education regarding this as XXXX transferred my loan to Mohela. MOHELA will not respond and asks to call them. I requested responses in writing as chronic documentation as XXXX consistently did not honor verbal conversations. MOHELA has not processed any documents since XX/XX/XXXX.
Product: Credit card

My payments are mailed on the XXXX  or XXXX  of the month for a payment due date of the XXXX. They are telling me that seven to ten days is not enough time for my payment to arrive at their facility. They seem to be processing my payment the day after the due date and then charging me a XXXX XXXX dollar late fee every month. I HAVE HAD THIS XXXX  credit card for XXXX some years and never had a problem with paying on time. Since this Comenity bank took over there has been problem after problem. It seem they are getting the payment then waiting to process it to generate a late charge. I believe their banking practices need to be looked into. Im working on getting another loan to pay that card off so I no longer have to deal with these people any longer. But if they are doing this to a lot of other people then they could be generating a lot of income besides the money they are already making off the interest. Seems like a scam to me. I could be wrong. Hope some one will look into this. By the way. The payment is leaving XXXX Pa To go to Texas. Which I could drive there and back in four days thats with a ten hour break every day. Thanx XXXX XXXXXXXX
Product: Debt collection

I filed a complaint against OLIPHANT FINANCIAL - CFPB Case # XXXX. THEY RESPONDED " After we received the consumer complaint, we reached out to the original creditor XXXX XXXX who has declined the fraud claim due to benefit of funds as they show the loan proceeds were deposited into the consumers checking account around XX/XX/year>. To fulfill XXXX XXXX request for validation of debt, we will have the law firm servicing the account send out a validation of debt package, including all account documents to the consumer for her records. 

ON MY CREDIT REPORT AND TO THE CREDITING AGENCIES YOU LIST OLIPHANT FINANCIAL AS THE ORIGINAL CREDITOR!!! SO YOU ARE LYING!! 

I AM FILING ANOTHER COMPLAINT REGARDING THIS INACCURATE ITEM ON MY CREDIT. DESPITE MY EFFORTS TO RESOLVE IT REMAINS UNRESOLVED. 

ANOTHER DEBT COLLECTION AGENCY IS ATTEMPTING TO COLLECT A DEBT AND IS ALSO CLAIMING THAT XXXX XXXX XXXX IS THE ORIGINAL CREDITOR. 

WHO OWNS THIS DEBT??? 

OLIPHANT FIANCIAL NEEDS TO IMMEDIATELY PROVE TO ME THAT THEY ARE LEGALLY ABLE TO COLLECT ON THIS DEBT. 
ACCORDING TO 15 U.S CODE 1692G I AM IMMEDIATELY REQUESTING 1 ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I ACTUALLY SIGNED FOR THIS DEBT. 2 ) A DETAILED LIST OF MY HISTORY OF PAYMENTS 3 ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITIOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. 4 ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! 5 ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED 6 ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET.

THERE IS ALSO A DISCREPANCY IN THE AMOUNT OWED BECAUSE OLIPHANT FIANCIAL SAYS THE AMOUNT OWED IS OLIPHANT USA LLC Opened XXXX {$6900.00} HOWEVER, ACCORDING TO THE OTHER COLLECTION AGENCY AND LAW FIRM, THE DEBT OWED {$6700.00}. 
WHO IS TELLING THE TRUTH?? 

THIS DERAGORTY MARK IS NEGATIVELY IMPACTING MY CREDIT AND NEEDS TO BE RECTIFIED IMMEDIATELY. OLIPHANT PLEASE PROVE TO ME THAT YOU OWN MT DEBT. 

ALSO, I NOTICED THAT YOU MENTIONED YOU WOULD HAVE THE SERVICING LAW FIRM REACH OUT AND ITS POSSIBLE THAT THEY ARE XXXX AND XXXX BUT PLEASE KNOW THAT THIS MATTER WAS ALREADY SETTLED IN COURT AND I HAVE THE WRITTEN DECISION THAT WAS FILED IN THE CIVIL COURT OF XXXX XXXX DISMISSING. YOU ALL ARE NOT BEING TRUTHFUL AND IT IS HURTING ME!! IT NEEDS TO STOP!!
Product: Student loan

XXXX   XXXX   XXXX   is trying to get my money upfront for {$590.00} with a scam!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Incorrect 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 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, credit repair services, or other personal consumer reports

XXXX deleted an account off my credit in XX/XX/XXXX. They added the account back with out any notification. 

The account holder is falsifying information to XXXX and the cpfb. 
My last payment was in XXXX they have written to cpfb and XXXX I made a payment in XXXX for {$760.00} This payment would bring the account to {$40.00} I never made such payment this is fraud. And the date they are reporting is fraud There were two accounts and both were deleted one ve back with no notification from XXXX!!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, partially 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 list forms was impossible and that tracking these transactions were infeasible. The CFPBs 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 is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am disappointing that my information has been compromised by identity theft. ( XXXX XXXX XXXX XXXX XXXXXXXX ) Im trying to buy a home for me and my family and this has put a serious hole on the process. By the FCRA 15 USC 1681G my information should be safe and secure and I see is not. My information has also been in a breach. According to section 605B of the fair credit reporting act requires consumer reporting agencies to block fraud information on consumers credit report if the consumer claims it was a result of identity theft credit reporting agencies must block information within four business days of receiving this information.

Failure to respond with deletion of the above reference account and sent out a free copy of my credit report real result in legal action being taken against your company, which I will also be seeking XXXX per violation, defamation of character, negligence, enablement of identity theft, section 1681EB of the fair credit reporting act.
Product: Checking or savings account

My credit score started drastically. So i started to do some research. I found out someone somewhere has a bank account in my name. The bank account number is the same as my social security card number. And the billing address is the same on both of these accounts also. And the account name is my name. I would like to know who has ruined my credit? This is not my account. Who is commiting fraud against me?
Product: Credit card or prepaid card

This is a complaint against PNC Bank, which has failed to apply a statement credit in the amount of {$100.00} to my account. The facts are that prior to having a credit card at PNC Bank, I had a credit card at BBVA, which PNC acquired I believe in 2021. After PNC acquired BBVA, PNC closed my BBVA account and sent me a number of advertisements about getting a credit card with a {$100.00} statement credit after spending {$500.00}. One of those is attached. I decided to take their offer and spent more than the {$500.00}, see the statement attached. Despite qualifying for the {$100.00} statement credit, PNC refused to apply it. I have called them several times about this issue and no one there disputes that fact I should be paid. Particularly the case manager I spoke to : XXXX XXXX, see her contact info below. It has been months and it appears that they have no intention whatsoever of paying me. As such I regard their conduct as a scam. Their contact info follows : PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX, ext : XXXX XXXX, Case Manager : XXXX XXXX Please prosecute this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD MYT CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for one thing. Lastly, I have reported over 20 times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my XXXX  credit report that only shows 13 hard inquires but I have 52 and 62 inquiries on equifax and XXXX XXXX. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the 62 inquires that are on my XXXX XXXX and equifax all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX credit report I will be looking into an attorney soon.
Product: Debt collection

Medical debt went into collections on XX/XX/2022. Once I realized it had gone to collections, I paid it off on XX/XX/2022. It posted on XX/XX/XXXX per the debt collection agency. On XX/XX/2022, this debt reported as derogatory on my XXXX account. I called on XX/XX/XXXX to get them to correct the error and show it being paid in full so it would go ahead and fall off my credit. I expected it should take a few days for them to process the payment, I was just unsure why they reported the derogatory after I paid it and before the 6 month reporting window for XXXX XXXX debt was expired ( now extended to 12 months ). I was told by them that they were over a month behind on reporting to the agencies and it would be done by the end of XXXX. This has already damaged my credit score lowering it over 30 points, and I tried to get the collections agency to report it as paid in full so the bureau would remove it as per the new law and they stated it was company policy to report all XXXX XXXX debts within 30 to 35 days of receiving them and that their policy did not apply the 6 month ( now 12 month ) waiting period for medical debts as per federal law. Prior to all this, they failed to mail all required disclosures to my home address as they had the incorrect address so I was not notified until later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries reporting on my report. These items arent mine and I dont have any Knowledge of the companies such as XXXX XXXX XXXX XXXX services, XXXX XXXX XXXX
Product: Bank account or service

Bank notified me of over drawn account due to fraudulent debit card transactions not authorized by me. Bank told me to disputed the charges, and required me to make deposit into the account because it was overdrawn due to fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX  Dispute Department Experian XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items soon as possible. 


Fraudulent Accounts 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

XXXX XXXX XXXX XXXX XXXX  appeared on my credit report in the amount of {$670.00}. 
I have no knowledge of this place. Ive tried calling them, I mailed a letter. No response. 
I have not been to the doctor in years, there is no way this medical bill belongs to me. They have never contacted me. 
I have XXXX  them and Ive seen hundreds of reviews saying this is a scam and theyre doing this to multiple people. 

They have sent this fraudulent medical bill to a collection agency. Central portfolio control and they have never contacted back regarding this either.
Product: Debt collection

My identity was stolen in XX/XX/2015. My identity was stolen through XXXX and the amount on the account is XXXX. I am not sure when this account was created because I have had many things put into my name that are not mine. However, I estimate the account to be created around XX/XX/2015. I have contacted XXXX many times about this account not being mine and this is not my debt to be paid and they still put it on my credit score and ruin my credit. There has already been a police report file and I have all of the documents stating that this account is not mine and this is not my debt to be owed.
Product: Checking or savings account

I recently opened a high yield online savings account and the account was set up as a joint account for me and my wife XXXX. 

My wife received an email or text to verify information and she did that. XXXX kept sending her the same information multiple times We decided that XXXX is not reliable and asked to close the account. 

I keep receiving emails from XXXX to fund my account. I called XXXX and spoke to 2 representatives who indicated that my account was closed. 

Yet, I keep receiving these emails to fund my account. I can still go into the banking app even though they said that it was closed.
Product: Mortgage

Our original mortgage was through XXXX XXXX  XXXX. They sold it to XXXX XXXX. After XXXX owned the mortgage, I applied to have PMI removed. The request was never completed. Instead, the mortgage was sold to Truist Bank. I applied to have PMI removed again. My request was denied. I faxed them an appraisal but the appraisal was not approved. 

Please help. This has been an extremely frustrating situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bk in XX/XX/XXXX. Best Buy/Citi was one of the creditors. They were notified of the filing but, continued to debit my bank account for previously scheduled monthly ACH payments which is a violation of the bankruptcy laws. I tried several times to stop the ACH pmt with them but, they continued for 2 months after being notified. I was finally able to convince my bank to stop the payment withdrawals by providing my bankruptcy documents. 
I have called Best Buy and requested the 2 late payments in XXXX and XXXX of XXXX. The account was not late. It was in chapter XXXX bankruptcy repayment they were notified. I have been denied credit by a mortgage lender due to the 2 late payments. I was informed by my lender that I can not have any late payments after the BKXXXX. I need Best Buy to remove the late payments from all 3 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to you in accordance with the Fair Credit Reporting Act, specifically Section 609 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to verify accounts by physically verifying the original signed consumer contract. It has come to my attention that you have reported certain accounts on my credit report without providing verifiable proof of these accounts. This lack of verification has negatively impacted my ability to obtain credit.

As a result, I am formally requesting that you provide me with the verifiable proof of the following accounts listed below. According to the FCRA, unverified accounts must be removed from my credit report. If you are unable to provide me with the requested proof, I insist that you remove these accounts from my credit report immediately. 

Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured loan Verification Status : Unverified Account