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

I was a part of the XXXX XXXX XXXX and I have made a dozen efforts to have the incorrect items removed from my XXXX credit report. The last effort was made in XX/XX/year>, as I sent a letter with legal documents, along with copies of documents to verify my identity. As of today, XX/XX/year>, a XXXX representative informed me that my CFPB report and other legal documents were not sufficient. They are essentially refusing to honor my documents to remove unauthorized documents for a data breach that their reporting agency exposed me to unknowingly. XXXX and XXXX has already removed the unauthorized information ; thus, XXXX must adhere to the law, removing the FCRA Errors, so that my credit reports are parallel. Below are the incorrect inquires that must be deleted immediately : XXXX XXXX XXXX XXXXXXXX XXXX A WORLD ACCEPTANCE - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Below are the incorrect derogatory items that must be deleted : XXXX XXXX XXXX LL XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN WORLD ACCEPTANCE COR 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

In accordance with the Fair Credit Reporting act XXXX  accounts XXXX # XXXX DEPT OF EDUCATION/XXXX, # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle kind of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and tracking these transactions was 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 recently received a copy of my ( Name Credit Bureau here ) credit report, and I noticed some late payments posted on my credit report : The account in question XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - {$2300.00} No knowledge of this account
Product: Credit reporting or other personal consumer reports

unauthorized/fraud credit inquiries : TD Auto Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 proceeded 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.
Product: Debt collection

I have a collection account from JEFFERSON CAPITAL SY on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, a counterfeit Visa debit pay card was used to withdraw {$980.00} from my account. The following is a timeline of account activity on that day as well as communication between myself and the XXXX XXXX customer service people. 

XX/XX/XXXX XXXX XXXX  : Online purchase of XXXX XXXX from XXXX using home computer XXXX XXXX  : Withdrawal of {$200.00} from XXXX ATM in XXXX, CA ( 50 miles away ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$180.00} ( same location ) At approximately XXXX XXXX  of the same day, I attempted to use my card to purchase food at XXXX XXXX XXXX restaurant, located at XXXX XXXX XXXX, XXXX XXXX CA XXXX ( approx. 6 blocks from my home ) The card was declined. Thinking it was their card reader that was malfunctioning, I went to use an ATM machine at the XXXX store next door to withdraw cash, but the card was declined again. At this point I called XXXX XXXX 

XXXX XXXX : Called XXXX XXXX and after reviewing last 5 transactions, disputed the withdrawals and cancelled the card. Was told by customer service rep investigation would be made, taking at least 45 but no more than 90 days before money would be replaced in my account. 

XX/XX/XXXX XXXX XXXX  : Called XXXX XXXX  to inquire about investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Received letter dated XX/XX/XXXX from XXXX XXXX stating investigation completed and no error occurred. Called them and was told to send email to ADP to reopen investigation. 
XX/XX/XXXX XXXX XXXX : Emailed ADP as instructed to reopen investigation. 

XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told there's no record of it being reopened, etc, etc. After explaining several times and providing date and time of email I sent, investigation was NOW officially reopened. 
XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX  : Called inquiring about progress of reopened investigation, was once again told they had no record of the investigation being reopened (! ) Here we go again. After about 10 minutes, the CSR was finally able to find that it HAD been reopened, but there was no info on its progress. I asked for a record of dates and times of calls from me to XXXX XXXX, and the CSR gave them to me. 
( wouldn't give me the names of who I spoke with each time though )
Product: Checking or savings account

We have had several business accounts with Wells Fargo for over 20 years. Were notified to change our address for business accounts and did change them. However, our accounts are still randomly being closed. I re-verified my physical address is listed on the Wells Fargo profile. For some reason, I'm told that doesn't matter because it's not associated with my business accounts. I have one login for personal and business, how am I to know there is an issue when my physical address is clearly listed on the profile? Teller at branch ( XXXX XXXX in XXXX XXXX, CA ) stated that all business accounts that have *ever* had a XXXX XXXX listed are being closed by the Bank. Confirmed the bank had my physical address listed and that it didn't matter. Also confirmed nobody at the branch could assist in any way ( even though was told yesterday when calling the number listed on statement that all I needed to do was go into the branch to fix the issue ). IF post office boxes are a risk for this bank, why do they allow people to enter a XXXX XXXX into their system?
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these account removed and deleted immediately. 


Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Mortgage

My property is a townhome that was affected by a flood of the building and an insurance claim was filed in XXXX. The repairs were completed before the insurance check was even processed ( due to overwhelming amount of claims because of Hurricane Florence the same week. ) Check was mailed to mortgage company to sign and return in XXXX. They still will not release the funds, even after doing a full inspection to insure repairs we're completed. I want the {$14000.00} they owe us for this claim, as well as {$500.00} for the time this has take and {$240.00} for interest. It should not take 60 days to receive an insurance check to recoup our loss on this property. 

Its not right that even when a consumer does everything to bring the property back to better standards than before the claim, that the mortgage company can hold you by the throat and not release the claims. We will be suing the mortgage servicer if the interest and {$500.00} for our time is not paid in a timely manner.
Product: Debt collection

Southwest Credit Systems has been contacting me stating there is a XXXX Internet/Cable bill that I owe in Georgia. I have never lived in Georgia but someone used my SSN to enroll in a XXXX contract ACCT # XXXX for {$550.00} & I was told the contract was signed XXXX. SCS has sent me a Identification Theft Affidavit requesting my SSN, drivers lic #, auto ins policy #, life ins policy # & birth certificate yet all the paperwork states " DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY '' on the bottom of all pages. I have contacted XXXX & this acct # is under my name & SSN but the refuse to give me copies of a contract the was signed or any of the billing statements. They are threatening to send me to collections & ruin my credit.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I am a XXXX woman, who is a XXXX. On XXXX XXXX 2016, I visited a branch of Valley National Bank located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I went to discuss the possibility of opening up a teen checking account. The guy named XXXX XXXX XXXX ( manager ) kept questioning me without any willingness to help and with obvious discrimination on my race and gender. He later rejected me rudely without giving me any reason.
Product: Debt collection

I have received calls on an almost daily basis from XXXX XXXX XXXX  about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX XXXX XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an XXXX if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an athlete ( Through XXXX XXXX  XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX ) so that XXXX XXXX could deny it and then provide an EOB so XXXX XXXX  XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.
Product: Student loan

Navient got in trouble with the government for not processing and applying income driven repayment schedules to student loans causing thousands of peoples ' accounts to be reported as late prior to and around XXXXXXXX XXXX. I was a victim of this issue, however Navient has refused for over a year to remove the 90 day late payment reported to the credit bureaus. They're even reporting my account as 120 days late to one bureau and 90 to the others. It has been disputed many times to no avail. It is the only late payment I have ever had with them over the 22 years the account has been opened and it is ruining my credit report and impacting my livelihood. They refuse to reply either on the phone or in writing. They are entirely ignoring that my alleged late payment was due to their error in not applying the proper XXXX terms to account in a timely manner. I also read it was partially to blame on an I.T. problem. 

Please help me with this unfair situation.
Product: Debt collection

Previously an account showed up on my credit report from XXXX, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, JH Portfolio Debt Equities is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on one of my reports. I want this removed from my credit reports as this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me an email XX/XX/2019 that my dispute was ready for review online. They emailed me a confirmation number before the 30 days of investigating my account which I feel their results will not be fully investigated as I asked them. So I click the view your results link in the email and put in my information. Then the website says " Sorry for the inconvenience, currently, service is unavailable. Please try again later. '' I wanted to see was it just my account and I feel it is because I asked my friend to do it also under her information but she got through. I believe Equifax is blocking my account on their end so I can not see my results. I called in XX/XX/2019 once again customer service was horrible because they can not answer the consumer questions but these are the people handling our credit report. I am very disappointed with the credit agency and wish they handle business like XXXX. XXXX is still investigating my account and actually doing the job.
Product: Debt collection

I have recently pulled my credit report and noticed a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 

Please attach copies of the following document : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.
Product: Credit reporting or other personal consumer reports

I am reaching out to file a formal complaint regarding unauthorized inquiries that have been added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only provide my credit report to third parties under permissible purposes as defined by the Act. The following inquiries appear on my report without any authorization and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not approved by me, and no legitimate application or request for credit was made to warrant these entries. Per the FCRA, credit reporting agencies are responsible for removing unauthorized or erroneous entries from my report once they are brought to their attention. 

Additionally, credit reporting agencies have previously been sued for failing to remove unauthorized inquiries, as in the case of " XXXX v. XXXX '', which highlights their duty to act promptly in such matters. Despite my attempts to resolve this directly with the agency, the inquiries remain. 

Thank you for your attention on this matter
Product: Checking or savings account

We started receiving letters from vendors to whom we sent checks that our checks bounced due to our joint checking account being " frozen ''. I contact Bank of America, and was told that yes, they froze our account. The claim that they send one letter to my wife ( joint account holder on the account for 30 years ), asking her to call a number to verify some information. That letter was never received by my wife. Frankly, even if such a letter was received, she probably would have discarded it as we get a minimum of one scam email and letter from phony Bank of Americas regularly asking us to provide information. As it turns out, they were looking for an updated cell phone number for my wife - for that they froze MY account without telling me! 

Here is the point. I wrote the checks - Bank of America has all of my information including cell phone ( they send me text alerts ), email, address, etc. I was never contacted to let me know that MY account was arbitrarily frozen, which can not be legal nor ethical. I wrote the checks, the account was well funded, the bank has all of my current information, and my wife has been on the same account for 30 years. We have incurred several XXXX dollars of fees and penalties from vendors, including our mortgage holder, plus countless phone calls to try to explain to vendors that our Bank is a bunch of incompetent fools.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.