23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2019 I paid my balance in full of {$50.00} to XXXX XXXX XXXX. I received an email from XXXX last week saying that there was a new account added to my account from a company called ConServe. I called XXXX and XXXX to dispute. They both informed me that this account was reported XX/XX/2019, AFTER i had paid my balance. I called the company last Friday XX/XX/XXXX and asked them to look into the matter and remove the account ( the first time I had ever had contact with this company ). I have no contract with them, nor knew of them until after the fact. I called XXXX today and they said the company had update the information to say " Paid in full ''. I asked them to submit another dispute. This account was report AFTER I paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last Updated : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXXXXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX  being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX  REMOVED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/1973 Transunion XXXX XXXX XXXX XXXX , PA XXXX To whom it may concern, I was informed by your company ( Transunion ) that account # ( XXXX ) with XXXX XXXX was deleted from my credit report. 
I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the requirements of the FCRA section 611 ( 15 U.S.C S1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business after the Reinsertion or, if authorized by the consumer for that purpose, by any other consumer if Authorized by the means available to the agency I have received no such Notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this and I now reserve the right Pursuefor this clear violation of the FCRA! 
I demand that you immediately DELETE this Account from my credit report in order to avoid legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/1973
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding credit bureaus failure to adequately investigate the validity of accounts listed on my credit report. Despite my efforts to dispute inaccurate or unverifiable information, The credit bureau has failed to ensure compliance with the Fair Credit Reporting Act ( FCRA ), particularly the provisions requiring credit bureaus to maintain reasonable procedures to ensure the accuracy of consumer reports. 

Accounts In Question : 1. US Department of education {$5800.00}. 
2. US Department of Education {$2800.00} XXXX. US Department of Education {$2500.00}. 
XXXX. XXXX XXXX XXXX XXXX {$6700.00} XXXX. XXXX XXXX  XXXX {$15000.00}. 
XXXX XXXX XXXX XXXX XXXX  {$980.00}. 
XXXX. XXXX XXXX XXXX {$740.00}. 
XXXX. XXXX XXXX  {$1500.00}. 
XXXX. XXXX XXXX XXXX {$660.00}. 

This credit bureau has not conducted a reasonable investigation as required by Section 611 of the FCRA. Instead, they continue to report these accounts without proper validation or documentation. 

This credit bureaus failure to properly investigate and delete these errors has caused harm to my financial well-being, including, a lower credit score, denial of credit opportunities, and higher interest rates.
Product: Checking or savings account

I had fraudulent charges made using my Optum HSA debit card in late XX/XX/XXXX and then again in XXXX XXXX. I also had fraudulent charges made using my debit card in XXXX ( totaling over {$1000.00} ). 

After the fraudulent charges in XXXX, we requested that our debit card be canceled. Since XXXX, neither my spouse nor I ( the only two members of my household ) had a debit card that we activated. We never activated our debit card because we do not use it ; rather, we use the pay-me-back function after submitting receipts. 

I have requested multiple times that my debit card be closed and not reissued. Despite multiple phone calls and multiple agents assuring me that my debit card has been closed, I received a new debit card in the mail on XX/XX/XXXX. 

The recent fraudulent charges were : - {$1.00} on XX/XX/XXXX - {$62.00} on XX/XX/XXXX - {$2.00} on XX/XX/XXXX Detailed description of recent events : On XX/XX/XXXX, I called Optum Bank customer service to report the first instance of fraud, dispute the charges, and request that the debit card be canceled. The customer service agent told me the debit card would be canceled and not reissued. 

After the second instance of fraud, I called the Transaction Review Department on XX/XX/XXXX. I called this number because an additional fraudulent charge on XX/XX/XXXX was identified by Optum 's fraud department and they requested a call back. On this call, I reported the two additional fraud cases that were not detected by Optum, requested that my debit card be canceled, was told that there was no record in Optum 's system from my call on XX/XX/XXXX requesting the card be cancelled, told that I would need to independently reach out to Optum Customer Service to dispute the charges, and then told that my card was now definitely cancelled and would not be reissued. 

I called Customer Service on XX/XX/XXXX to dispute the charges. 

I then received a new debit card in the mail on XX/XX/XXXX. 

Thus far, Optum Bank has credited me for all disputed charges. 

Primary complaint : I am upset that it is so difficult to cancel my debit card. I do not use it and because it seems to never be correctly cancelled, I am exposed to fraudulent charges. I have done my part to repeatedly tell Optum that I do not use the debit card, that I never activated it, and that all charges made with it are fraudulent. I would like Optum to make it easier to cancel a debit card ( without reissuing it ) and would like their fraud detection for clients like me ( who should have no debit card ) to be better at identifying debit card activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX HAS ASKED EACH REPORT BUREAU TO PROVIDE IN WHICH IS required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. 

iT'S BEEN OVER 30 DAYS SENT LETTERS ON XX/XX/2021. IT IS NOW XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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. 

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 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighted 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 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 is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ) they failed to take timely and protective measures to protect and prevent customers from fraud on their platform.
Product: Payday loan, title loan, or personal loan

I had a  Chase Cr edit card in  XXXX  and it became delinquent, due to an illness I suffered from my inability to work. I had the, out of work protection on my account and they were still charging for that protection but they never paid the bill. Fast forward to  XXXX , a law firm  XXXX  and  XXXX   XXXX  has placed a lien on my account but I have never received any documentation   in regards to going to court or anything. Chase would/had never supplied me the Collection agencies information.
So basically here is why I am reaching out to you all for some assistance : 1. I am a current Chase mbr 2. My account has been locked and my access blocked w a high   bal.  XXXX   3. Credit card was only {$5000.00} 4. Never received any court documents 5. My military son is on my account
Product: Mortgage

TD Bank pulled a bait and switch on my mortgage closing costs. They are in violation of Non Disclosure, Deliberate misrepresentation on Legal documents, Overcharging by manner to deceive customer.
Product: Debt collection

Discover has called my job multiple times. Starting XX/XX/XXXX.18 until XX/XX/XXXX.18. When i called to tell them to stop because i can not have phone calls coming to my job on XX/XX/XXXX.18. The guy on the phone said that they will keep calling, and to make it stop they need a payment. I explained to him i started a debt management program, and i got behind but i will be dealing with them, and not Discover personally because i have an activate account with them. He then kept trying to set me up with a payment plan with him. When i told him no, he said they have my banking information on file. So i dont know what that was suppose to mean. I then repeated myself, and said i needed the calls to stop because my employer does not allow personal calls, he then said its an automatic system, we can do anything about it. I then told him that there is a way for them to remove my employers number. He asked for my personal cell, which i gave. But i am not sure if he actually did it because he was still trying to sign me up for the program with them. The two people that have called my job are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX DOB : XXXX Phone Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false These fraudulent accounts consist of a personal XXXX XXXXXXXX XXXX - Account Number XXXX Item Description : Credit Card A XXXX XXXXXXXX Account number XXXX Item Description : Credit Card a XXXX  XXXX - Account Number XXXX Item Description : Unsecured Loan Experian inquiries XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX that appears related to the aforementioned accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint IDTheftReportXXXXXXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

About XXXX  months ago cash app closed my account. Stated that it was due to suspicious behavior they believed to be gambling. Well the problem is I have {$1600.00} in my account and they're not allowing me to add a bank or debit card to withdraw my money they keep telling me to add a previously linked XXXX and I explained to them numerous times I do not have a previously link card or bank account my XXXX Bank card which I had linked to it was lost I had to have it replaced I'm submitting my XXXX bank statement that shows in the highlighted areas were I used my card to fund my cash app account in the amount of {$10.00} in XX/XX/year>2024 I'm also submitting the XX/XX/year>2024 cash app statement that shows that transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, Experian is showing ( XX/XX/XXXX ) and XXXX  is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 Creditor.
Product: Vehicle loan or lease

Hi. My name is XXXX XXXX. 
Westlake financial claims that I owe them a loan on a closed account. I asked via certified mail proof of the original documents and signatures to verify my debt or to remove it. I have seen no action or received any response. 
They claim the date opened was XX/XX/2015 And the amount was {$7300.00}
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

I made a purchase on XX/XX/XXXX. 

I was given a tracking number that did not correspond to the item I ordered, nor did I ever receive anything. 

THE SELLER DOES NOT EXIST AS OF XX/XX/XXXX AND CAN NOT BE CONTACTED Cash App has repeatedly ignored that I was scammed and can prove it each step of the way. They are refusing to process chargeback as required by law. 

NO MERCHANDISE WAS DELIVERED. THE TRACKING NUMBER GIVEN DID NOT HAVE MY ADDRESS PER XXXX. I DO NOT AND CAN NOT KNOW WHAT ADDRESS IT WAS SUPPOSED TO GO TO. DELIVERY PHOTO ATTACHED TO TRACKING NUMBER COULD NOT PHYSICALLY BE THE ITEM I ORDERED. 

Cash App has not verified the address attached to the tracking number and has provided no evidence that it was delivered. I have evidence that no item was delivered. Cash App has also not even attempted to contact the seller despite having an obligation to. 

They have refused to negotiate via their own terms and conditions.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

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 the charge. 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 as soon as possible. 

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX