23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt being reported as still being owed is officially a cancelled debt. Because the debt is cancelled and can't be validated the debt needs to be updated as as paid in full immediately on all 3 of my consumer reports. Since this is my second time reaching out about this debt and the credit reporting agencies still have done nothing to rectify the matter I will also be filing a XXXX a on the account to have the account audited by the irs. I attached proof of the irs accepting the 1099 C for this debt and by law this debt has to be paid in full since it was officially cancelled.
Product: Debt collection

I have received email from a midland credit management stating they are going to refer my case to an attorney to sue. I never received any notification in the mail I also do not recall ever having a line of credit or authorization to said company to contact me. They also do not provide anyway to communicate electronically as a dispute
Product: Credit card

A business with its own Federal EIN tax ID opened a credit card account on XXXX XXXX, XXXX with CHASE CARD under the Account Number XXXX where myself and another individual were listed contacts on this card account. This account had an outstanding balance and late payments and became delinquent from XXXX XXXX through XXXX XXXX. Then, CHASE CARD reported these late payments on my personal individual credit profile to all XXXX credit reporting agencies, even though this was a business account with its own tax ID and I did not have control over payments for the business. In XXXX XXXX, CHASE CARD ensured me on a phone call that if I settle the account, all derogatory and negative remarks would be removed from all my personal credit reports. The business account was settled for less than full and closed in XXXX XXXX. In XXXX XXXX, I saw that CHASE CARD had reported on my personal individual credit profile to all XXXX credit reporting agencies that the account was settled for less than full and this was a negative remark, which would not be removed from my personal credit profile until XXXX XXXX. The XXXX issues I have is that 1 ) Chase reported derogatory remarks for a business account to my personal credit profile and 2 ) Chase did not remove all negative remarks as promised upon settlement of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX hard inquiry on XX/XX/2021 without my permission or knowledge of this XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}
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 process 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 financial loss, and I seek appropriate redress 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 financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CNAC/XXXX  / J.D. BYRIDER. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT IMMEDIATELY. 
CNAC - XXXXBalance $ XXXXDate Opened : XXXX XXXX, 2017 CNAC/XXXXXXXXBalance $ XXXXDate Opened XXXX XXXX XXXX, 2017 J.D. BYRIDER-Balance $ XXXXDate Opened : XXXX XXXX, 2017
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA ACCOUNT FOR {$46000.00} has been showing up on y credit report as CLOSED or CHARGED OFF. 
I have tried multiple times to dispute this charge, which is NOT MINE and have reported it as fraudulent and have provided police reports and documents to verify my identity to prove that this account was fraudulently opened under my name and have failed each time. This is not my account and XXXX  refuses to properly investigate this matter and it is ruining my credit. Please remove.
Product: Debt collection

Do not have any legal binding accounts with this company Have no idea who this company is. I have never had an account with this company
Product: Checking or savings account

On XX/XX/2023 my bank navy federal credit Union denied my fraud claim charges of {$2200.00} [ Incident : XXXX ] and {$270.00} [ Incident : XXXX ]. I never made those charges and I feel as if they never conducted the correct investigation. After that date they had ask me for my identification which I had submitted.
Product: Debt collection

on XX/XX/XXXX I obtained line of credit from XXXX XXXX XXXX , XXXX, with amount of {$250000.00} with account number # XXXX. on XX/XX/XXXX XXXX XXXX XXXX breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia . 
on XX/XX/XXXX I filed chapter XXXX bankruptcy, and case converted to chapter XXXX unlawfully, and since trustee transfer all of my money from DIP account ( {$91000.00} ) to his account I was not able to pay XXXX XXXX XXXX LINE OF CREDIT since XX/XX/XXXX. 
and XXXX XXXX XXXX, XXXX close that account on XX/XX/XXXX. first third party debt collector BWW LAW GROUP LLC tried to collect # XXXX when they could not and find it was forclosure, then third party debt collector BWW LAW GROUP LLC try to collect same line of credit with different account number # XXXX ( amount of {$160000.00} XXXX XXXX XXXX, XXXX closed it on XX/XX/XXXX ) and under name of XXXX XXXX XXXX XXXX for amount of {$250000.00}. 
and after forclosure XXXX XXXX XXXX XXXX transfer account # XXXX to XXXX  XXXX XXXX, XXXX since both account is under one line of credit agreement and both closed and breached and passed statue of limitation. by forclosure and transferring it to debt collector XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX caused a lot of harm and damaged financially and mentally to I, and my family, I disputed BWW LAW GROUP LLC ( XXXX  XXXX, and XXXX XXXX ) complaint several time at least 11 times and they ignored me. third party debt collectors finally without any court hearing all hearsay and with different case laws that are not related to the case without any facts or evidence with deceptive action, got judgment against I, and my husband ( he is not party in alleged debt ), to foreclose my home stead property with a line of credit that was breached and passed statue of limitation. alleged case : XXXX at SUPERIOR COURT OF THE DISTRICT OF COLUMBIA, XXXX XXXX XXXX, XXXX XXXX XXXX esq XXXX XXXX esq BWW LAW GROUP , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX V XXXX XXXX XXXX, XXXX PLAINTIFF ( S )
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix this serval times I just want this off my report
Product: Checking or savings account

I am reopening complaint number : XXXX because the response from Bank of America is far from a relief, it is retribution. 

1- I had in my checking account {$290.00} before the incident and now it is closed with a negative balance of {$5200.00} ( - {$5200.00} ) 2- My savings account is wiped out with a negative balance of {$880000.00} ( - {$880000.00} ) and I have no access to any these accounts as well as the credit card and my daughter 's account, they are all closed for what reason? 

Again, I received a check from XXXX XXXX XXXX in the amount of {$5500.00} as a payment for my truck which was for sale and deposited it in my account at bank of America. I started to refund money back to the seller when he changed his mind, only when he informed me that the check was cleared at his bank and the funds were available at my bank, which verified to be true.
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired from Experian, XXXX, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Product: Credit reporting

I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.
Product: Credit reporting or other personal consumer reports

I disagree with the findings of your latest verification on the things recorded on my credit account. I first filed a dispute on this item, and I'd want to highlight certain areas of your verification procedure that I feel need more investigation. In your answer, you said that my claim is challenged, and you requested VALIDATION and PROOF OF CLAIM of the purported debt in compliance with the Fair Debt Collection Practices Act. Furthermore, as a consumer exercising my designated remedy and as the original creditor, I recognize that my request for VALIDATION and PROOF OF CLAIM is compliant with existing legislation, but I would like additional explanation and specific proof in respect to these requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this charge I did not open this account and they said it was verified XX/XX/2019 for XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries that were made on XX/XX/2023 ( XXXX XXXX and XXXX ) that weren't authorized by me hor did I inquire I would like for these fraudulent inquiries to be removed immediately. These inquiries are being displayed on my Equifax credit report, I have disputed with Equifax but have refused to be helpful or remove fraudulent inquiries.
Product: Credit card

On XXXX XXXX I noticed my credit score had declined drastically. I checked all XXXX companies : XXXX, XXXX, and XXXX. XXXX showed a {$170.00} purchase on a Nordstrom card. I contacted Nordstrom customer service. The person I spoke to said that the credit card and the bills were returned due to the wrong address on there but they never updated their system. I called back the next day explained that I only wanted the XXXX dollar discount on my XXXX dollar purchase and told the cashier that I wanted to use my card to pay. Without my knowledge he put XXXX of the items on the Nordstrom credit card. I never realized that he had put XXXX item on there or I would have paid for it. As a general rule I pay off my XXXX credit cards in full every month. I paid the XXXX in full and asked Nordstrom CS to do the right thing by taking responsibility for their mistake and restore my credit score by contacting XXXX. The woman I spoke to said they dont do that. I called XXXX and filed a complaint but would very much appreciate your help with Nordstrom credit department not ruining my credit score.
Product: Mortgage

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX ; Again, SPS is not flexible and does not have the capable of addressing my concerns beyond a packaged administrative response. 

Please intervene on my behalf a review my proposed settlement. 

In addition, it has recently come to my attention that SPS is challenged with privacu and mananging authorizations. 

I am requesting that SPS submit the history of authorization request and confirmations for servicing of my account.. 

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

Multiple inquiries on my report that XXXX not aware of. 
-XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX is reporting late payments on my credit bureau when I was under federal bankruptcy protection. Even according to their own attached letter, I was under federal bankruptcy protection, and when I got out of federal that bankruptcy protection on XX/XX/XXXX, I immediately sold the residence which actually was sold prior to XX/XX/XXXX but it takes a little while for the house to close and therefore I should not have a late payment on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiry on my Trans Union, XXXX  and XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I deposited a check for my sister XXXX XXXX because she do not have a checking account. We have never had a problem before chase bank. We signed the check and made the mobile deposit on the app. Everything was fine! XXXX even made the funds available to us, so if we was SCAMMING we could have withdrew the money out the account. It was a legitimate check for a settlement she was a part of. But what chase did was cash the check and then freeze the account, instead of just sending the check back if they do not accept second endorsed checks.They should have never cashed the check. Now chase just holding the money in their bank gaining interest on money they should not be. They closed my account I been using putting money into and making transfers from. It is fine they closed the account, but why would they cash a check then hold on to the money? It is no excuse for it, because they could have just simply returned the check and we could have used my credit union or XXXX XXXX bank accounts I have. IT is no telling how many people chase have done this illegal transaction too. Because why would you cash a check, then freeze the funds instead of just return customers checks? They saying come into the bank, but why would we have to do all that over a legitimate check! I think CHASE does this to make interest off our money! We did nothing wrong here and I have proof the funds was available and we could have withdrew the money before Chase closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILE A DISPUTE XXXX XXXX XXXX XXXX  XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

thank you,
Product: Debt collection

I received this garnished wages thru a XXXX that I had provided to me thru my XXXX. I didnt receive anything prior to this sue against me nor any notification.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit by the CFPB, which exposed serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle took sufficient steps to investigate my claims. I was told that recovering the lost funds was impossible and that tracking these transactions wasn't an option. The CFPB 's findings suggest that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. MY SS HAS BEEN FLAG AS LISTED ON THE DARK WEB
Product: Payday loan, title loan, or personal loan

I went to get my brakes fixed at XXXX XXXX in XXXX XXXX. I was told my brakes would cost {$540.00} to complete and I couldnt drive off the lot without them done. I didnt have the money so they forwarded me to easy pay finance who I paid over {$900.00} to already and still owe {$340.00}. They are charging 189 % interest. I told them this is illegal and the representative didnt have anything to say and told me to have a nice day. I have been in contact with multiple calls to XXXX  XXXX and no one is getting back. Its the same man that answers when I call easy pay as well. Its a scam and I want my money back and to be out of their system. Thank you for the assistance.
Product: Credit reporting

XXXX XXXX This item does not belong to me, and it keeping me from getting a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried applying for an apartment lease and they pulled 3 credit reports. I have outstanding credit history and great scores. My scores have always been over 700. On one of the reports ( experian is showing score of XXXX ) there is a closed collection account that is not mine with XXXX. It shows on the credit report it was open on XX/XX/19 in the amount of {$750.00}. I have never taken out a personal loan, I have never received a call about a payment. It says the first payment was never made. This is not my account and it is preventing me from leasing an apartment. I reached out to XXXX  and am currently in dispute over it but it is taking too long and I need to secure housing as soon as possible. XXXX  stated this is about a personal loan with XXXX XXXX secured through XXXX XXXX XXXX  in XXXX NJ. Please assist me with removing this from my report as it is not my account. Thank you.
Product: Credit reporting or other personal consumer reports

Tried to update my personal information multiple times and they didn't proceed with my request
Product: Debt collection

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which IC System is reporting to the credit reporting agency. I am asking for debt valisatin. Tracking number : XXXX Debt Validation : 1.Who was the original creditor on this account, and what was the account number?

2.What was the original amount owed?

3.Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4.What was the original date of delinquency for this account?

5.Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6.What did you pay for this account, and how did you calculate the current amount owed? 

I never received any response regarding my request and they did not update the credit report as disputed. However, they sent me a letter stating that IC System will no longer collect the debt and will return the account to the original creditor but they never did. It's still showing on my latest credit report that they are still collecting on it. 

IC System is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have taken a look at my consumer credit report XXXX and requested for your company to remove this public record XXXX XXXX bankruptcy. The United States Bankruptcy court does not report any information to the credit bureaus and it is not responsible for verifying information from consumers credit files. Bankruptcy filings are publicly available records. 11 U.S. Code 107 Per that law I took lawful procedures and contacted the bankruptcy court of XXXX XXXX XXXX XXXX XXXX and received notification back stating they dont provide information to third parties and credit reporting agencies. I didn't give your company permission to have any records and if you do believe I may have I am now opting out per the 16 CFR Part 312 you are in violation of 15 usc 6508 ftc law and the Privacy act of 1974. So any authorization or validation Your company believes that you have, your company no longer has and it needs to be deleted, removed from all my consumer reports immediately.