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

Trans Union There are numerous inquiries checking my credit history without my consent nor have I ever heard of most of these & they are : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for One Nor WILL I EVER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for NOR WILL I EVER - XXXX XXXX XXXX XXXX XXXX XXXX  - Isn't this for housing? Never Applied Through XXXX XXXXXXXX One of them has done 21 inquiries & NEEDS TO BE STOPPED Trans Union hasn't started disputes 30 days is up XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$120.00} XXXX {$130.00} XXXX {$1500.00} XXXX {$5100.00} XXXX {$150.00} XXXX XXXX {$22000.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX {$260.00} XXXX {$720.00} CHAPTERXXXXBANKRUPTCY DISCHARGEDXXXX {$0.00}
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 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. 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

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 instructi
ons
Product: Student loan

I applied for XXXX program on XXXX and it's still pending. Mohela mailed me a bill that doesn't include XXXX, but on website doesn't show payment due. I go to message center and I can't even send a message, and their phone line does not get to a representative for hours. I need to know I don't owe any payments when student loan repayment starts up again in two days. The government needs to provide guidance on this as millions of us are being required to pay again.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to erroneous and conflicting reporting of my XXXX funding account and citizen one account on two separate credit bureau reports, which impacts my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX is stated as closed on Equifax, yet opened on XXXX XXXX and experian and XXXX  XXXX account is stated as closed on Equifax but opened on XXXX XXXX and XXXX. This inconsistency not only confuses creditors but also adversely impacts my credit score, resulting in financial harm. Attached is documentation of these disputes and the differing reports. 

Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Case law, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), underscores the duty of credit reporting agencies to verify disputed information with a higher level of care. Failure to correct discrepancies after notice constitutes a breach of this duty. Furthermore, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), highlights the adverse effects that inaccurate information can have on an individuals creditworthiness and underscores the necessity of accurate reporting. 

This discrepancy amounts to a violation of my rights under the FCRA and causes me undue financial harm. In addition to conflicting reports, the persistence of inaccurate information could mislead prospective creditors and damage my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent the correct paperwork per the FCRA to fix my credit reports. The reporting agencies are not attaching these documents to my disputes and not filing the disputes properly per the FCRA. 

I am not getting copies of the verification process per the FCRA. 

These are the accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The lady at sun loan gives me a negative remark monthly. Has for 5 years. First off 5 years is long enough take off my credit already! Second stop adding charges that is uncalled for! Stop trying to be relevant and staying on my credit because your bitter or unhappy or power trip honestly I dont know but it needs to stop. And the original loan wasnt {$200.00} it was {$100.00} so that's incorrect there. I didn't get {$200.00} so where did the other {$100.00} go? On top of payments had been made. Maybe not all but some. I have proof.
Product: Debt collection

I have attempted for the last few months to talk with both XXXX, the original debtor and PHEAA who apparently decided to try and collect on something discharged in bankruptcy almost THREE years ago. Normally, I understand student loans might not be considered able to be discharged, however, mine was a hardship case due to a horrific injury and loss of a business that left me unable to work. PHEAA shows this as closed on all credit reports, but they NEVER should have been able to report it to begin with and if nothing else, how can they report it as LATE/COLLECTIONS every month, yet agree it was discharged and closed?? TIRED of fighting them!
Product: Checking or savings account

On XX/XX/XXXX, I contacted CHIME bank which is XXXX XXXX since I opened an account a few years ago. 

I make XXXX online payment of {$75.00} every month or when the payee requests extra payment. On XX/XX/XXXX, the payee told me that he did not receive several payments on different dates and asked me to cancel those funds asap. I checked my statement and it shows that the checks were cashed so I called CHIME to get copies of the checks. 

I spent XXXX hour and a half waiting for someone who could help me to get a copy of the cashed checks but after several transfers from person to person no one helped me. 

Today is XX/XX/XXXX and I'm still waiting for copies of checks or these amounts to be returned to my account. CHIME keeps sending me emails that they are working on that but there is not solution and they do not care at all. When I call they do not have a clue about anything and is impossible to get an answer from anyone. This money disappeared from my account and they can't provide any proof of cashed checks. 

Someone needs to audit this bank because they are stealing money from their account holder and since it is an online bank you can't go to ant branch. 

Please help me to hold them accountable for deceiving customers. 

Thank you!
Product: Credit reporting

XXXX XXXX. is reporting a zombie debt as an open collection/charge off to the Equifax credit bureau. The debt was charged off in XXXX XXXX and last payment activity was XXXX XXXX. This debt is six years old and past the state of Maryland and Virginia statute of limitations and thus the creditor, XXXX XXXX XXXX can no longer actively collect ( have collection activity ) on this debt. The correct status of this debt is closed account/charge off. This account should not be reported as an open collection by XXXX XXXX. I called XXXX XXXX A. on XXXX on Tuesday, XXXX/XXXX/XXXX at XXXX, and spoke with a customer service representative in the Recovery Department and she too verified that XXXX can no longer collect on this debt for the state statue of limitations has been exceeded. Thus it does not make sense for this debt to have a status of open collections.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX credit bureaus ( XXXX, XXXX and XXXX ) requesting proof of my consent for them to obtain and publish my personal information, to investigate the account and remove the account on XX/XX/year> via certified mail.
Product: Checking or savings account

Since we opened the account, every large amount of check has been put on a XXXX day hold. They claim the hold is done randomly ; however, they have done it with every check for the entire time we opened the account. They then give the check an additional hold after XXXX business days and say it is random for every check we deposit. They held a cashier 's check on a XXXX day hold after telling us it would go on after XXXX business day because it was a secure deposit. We then call and get the run around that it's random and nothing can be done. We ask other Chase customers in our area who are doing similar business, and they tell us it never happens to them. We called Chase, and they mandated that we get the customer who paid us on the phone so that they could verify the check from them. So, every check we deposit over a certain amount to run a business account is held. Then we have to get the customer to verify us with Chase because Chase thinks every check we deposit is us committing bank fraud. Today, they are declining our business debit card as they believe it is fraudulent. We have been deeply affected by this. Our customers think we are untrustworthy because our bank does not trust us, but Chase has no problem trusting our customer 's verifications over the phone when they verify. They also have impacted our business function because we have to wait to complete our cabinet orders, which pushes our jobs out and creates a domino effect of loss of trust and lost profit due to funds not being available to pay bills on time and pay contractors and loss of jobs due to being stalled every single time by the chase. No one has a valid explanation. They repeat the same thing. It's random. It's part of our policies, and we apologize for the inconvenience. Nothing else can be done. 
Meanwhile, you just gave a bunch of regular account holders XXXX advances on personal accounts and didn't put a hold on their funds that they didn't even have. It's impossible not to feel like we are being racially profiled because we are a minority-run small business when every single transaction is randomly put on a XXXX day hold. How are we supposed to run a small business without the funds paid to us by our customers? This has had a financial and deeply emotional toll on our officers, and we feel like we can not get any resolution, empathy, or help from anyone at Chase. We need answers. The truth and chase should be sanctioned for discrimination for this.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed I disputed a few accounts with no action
Product: Checking or savings account

I sent chime all my paperwork and the letter they sent on my last claim which said I can get my refund I sent all my documents over containing everything they wanted. They always say Im not eligible for a refund when it the letter it say I am Im getting the turn around everytime.
Product: Mortgage

My father took out the va loan well he died I've been making payments and never late on insurance nor taxes well loan sold the house without explanation They wont talk to us the other was XXXX they said they're no longer involved with loancare in XXXX Wisconsin but they refuse our payments said theyd only talk to my father even after we showed death certificate and insurance up to date taxes up to date
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX 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: Checking or savings account

My account was frozen. Then Wells Fargo changed my whole account. Now it's over drawn and I don't have a new debit card to over drawn my account.
Product: Debt collection

I received a letter in the mail on XX/XX/XXXX stating that I authorized a {$200.00} payment for my outstanding debt. 

I looked through my consent judgment and saw that I authorized to pay {$100.00} on XX/XX/XXXX and {$100.00} each month thereafter beginning XX/XX/XXXX. Based on the verbage, I realized that I did okay a {$200.00} payment. 

Today, XX/XX/XXXX, I received a letter in the mail stating that I authorized a reoccurring payment in the amount of {$200.00} on XX/XX/XXXX. 

I reached out to XXXX XXXX XXXX at XXXX on XX/XX/XXXX to discuss this issue. I spoke to a lady by the name of XXXX XXXX. She told me their consent. Judgment showed I authorized a {$200.00} payment on XX/XX/XXXX and {$100.00} each month thereafter payments being the XXXX of each month. 

I told her that is not what I received from the XXXX XXXX XXXX XXXX and I did not sign the form she was looking at. She asked me to send her my consent judgment and I did. 

After she received it she told me she had to send it to management and they would contact me in 2 days to hopefully fix this. 

I requested a copy of the consent judgment form they allegedly have on file and they decline to give me this form.
Product: Mortgage

On XX/XX/XXXX, my home was destroyed by a tornado. I contacted the mortgage company, LoanCare aka XXXX XXXX  at that time. I requested a payoff statement per my insurance company request, and a check was mailed in XX/XX/XXXX for the full amount of the payoff ( {$48000.00} ). I called the mortgage company, and confirmed that the check was received, and that the loan was paid in full. My insurance company confirmed that the check cleared the bank on XX/XX/19. On XX/XX/19, I recieved a letter from LoanCare stating that the check was rejected, and was returned to me. I did not receive the check. I have made numerous calls to LoanCare, and have been told that the check was placed in a " suspense account '' in error, and the payoff would be rectified immediately. I sent a letter by mail and an email on XX/XX/19, asking that they apply the check to the account, with no response. I have waited the seven business days for a response, and have heard nothing. The check still has not been applied to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : XXXX 
XXXX XXXX Balance : {$1100.00} -Charge off XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

I received a phone call from an alleged lawyer from XXXXXXXX XXXX XXXX in XXXX XXXX. He indicated I was served which I did not receive anything and stated it is for a delinquent loan from XXXX. I am not familiar with this loan. I called XXXXXXXX XXXX XXXX And their office was closed as this was on a XXXX. I asked him to send me the documentation he stated that was already sent and he hung up on me. I tried calling him back and he hung up again saying I was a waste of his time. He said my bank account would be frozen XX/XX/XXXX. He did have my Social Security number my name and my current address. He said this was a consumer loan with city financial and I owe {$8000.00} from XXXX. This the number they called from : XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

After noticing multiple late payments reporting to my consumer report I notified the credit reporting agencies and asked them to investigate this account. I understand that in order for any account to be reported as late, the consumer in which I should receive a statement document every month no later than 21 days before my bill due date pursuant 15 U.S. Code 1666b - Timing of payments. Since I've opened this account I have yet to receive that document but every month they continued to report it late without following the proper procedures in which that is a violation. At some point with XXXX affecting everything I came across hard times and fell behind on bills. This account that's reporting unauthorized late payments without following the proper procedures is negatively impacting my credit score limiting my ability to obtain necessities in life. I am not disputing this account in the fact that this debt isn't mine but in the fact they they failed to properly send me the statement documents from every month that this account was open but yet still proceeded to report this account as late. I am asking that they remove or stop reporting this account from reporting to my consumer report in which that failed to follow the proper procedures pursuant 15 US CODE 1666b - Timing of payments. A copy of my consumer report and letter to the creditor is included with my complaint.
Product: Debt collection

This is an official dispute of debt. 
1. ) The creditor is a computer that has generated a fraudulent debt of {$210.00}, filed with the XXXX major credit bureaus, XXXX. 
2. ) The creditor can not provide a singed agreement between the original creditor and the alleged consumer in compliance with Fed. R. Of Civ Pro. 4, ( Probable Cause ). 
3. ) The creditor can not provide a copy of the alleged " Notice of Service '' that the alleged original creditor mail to the alleged consumer in compliance with Fed. R. Of Civ. Pro. 4. 
4. ) The alleged creditor can not provide a singed '' Affidavit '' validating that is not a computer. 
5. ) The alleged creditor has my email address, my date of birth, my SS #, my phone number, previous home addresses, present home address, back acc information, but seeks to validate the alleged debt, by confirming my personal information the the consumer did not provide to them. 
6. ) The debt notice filed with theXXXX major credit bureaus is slander, libel, tax evasion, money laundering, mail fraud, identity theft, cyber terrorism committed across the state lines of XXXX and XXXX, for which make these claims violations of federal rules of procedure.
Product: Debt collection

This medical debt was wrongly put on my account when I was fully insured. Also this same debt was put on my account more then XXXX time. This account was for the yr 2022
Product: Credit card or prepaid card

I called the Bank of America visa activation number on Wednesday, XX/XX/2023. I called the number that is on the sticker on the credit card I just received through mail. 
They immediately mocked my accent and so discriminated me because of my national origin. They refused to activate my card. Then they told me that if I want the card then I must physically go to a nearest bank site that is XXXX miles away, this was very cavalier and discriminatory. I am near XXXX that is the XXXX XXXX Idaho but they said I must physically go to XXXX XXXX in XXXX Idaho that is XXXX miles from XXXX. They did not wanted to give me credit so they send me to XXXX XXXX. I made XXXX phone calls to them but they continued to mock my accent and repeated that I must go to XXXX XXXX. 
My civil rights were violated. I was discriminated in access to credit because of my national origin, race, XXXX and age
Product: Debt collection

On XX/XX/2024 I was notified by XXXX, XXXX and XXXX that a collection account was added to my credit report. I never received any communication from JEFFERSON CAPITAL SYST about a debt being owed for the amount of {$2300.00}. I was only notified by the credit bureaus when it showed up as a collection on my credit report. This company is listed as a debt buyer and they are in violation of notifying me of my right to dispute this debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary preps of investigation.
Product: Debt collection

I received a copy of my credit report and found an account that didn't belong to me.
Product: Credit card or prepaid card

XXXX I had autopayment setup some how I kept occurring late payments from my account I would XXXX dollars a month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX also it was incorrect information on credit report as well. Avant- credit card same problem late fees XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

In XXXX I made a payment of {$880.00} to fully pay off my account. The money was taken out of my bank account and showed that I owed nothing on my credit card account. 
A week or so later I checked the account and it showed that I still owed that amount on the account. 
I called and sent messages to Comenity and they started an investigation. Everyone kept saying that it shows that the payment was made and I just happened to make the payment while their system was in transition and it would be figured out soon. 
After many calls, and many messages. They still have not fixed the problem. I have shared my bank statements and everything they may need. But nothing has expedited the process and I am still having to pay every month.