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

During my stay at two communities, one in XXXX XXXX and one at XXXX, XXXX, I was incorrectly charged for services. I was charged when I was " evicted '' however, mail was received there, and never given ; due to XXXX agendas. 

When I left XXXX at XXXX XXXX XXXX it was due to XXXX related injuries. While away another student, XXXX XXXX occupied that unit. Both of us are XXXX males and look similar. When I left the community I told the Dean and a student whose family owned the property why I left. The Dean ignored my request, due to XXXX and the student said her family would take care of it. 

After I left, I was billed, repeatedly from the same community which is also the owner, or business agent of the XXXX XXXX location. However, XXXX used the wrong name and background information to claim the same bills on the same account. I was then " evicted '' however, each time I returned for XXXX gifts to myself I was denied access to the unit. 

Additionally, I attempted to begin multiple businesses at my XXXX residence through the community and a car dealer. In both instances I was denied for an unexplained reason. I assume it was due to XXXX and race, but when I submitted the complaint to the XXXX, XXXX XXXX XXXX, led my XXXX XXXX, and other institutional agencioes, my investigation requests were denied. 

Per 1L contract law, the contract drafter is responsible for faults in contracts. Just like debt collection. Therefore, I can't be held responsible for an incorrect name, an incorrect credit grant, and lies or cover-ups to get payment for services inadequately rendered. In XXXX I said I needed a quiet community for work, there was loud construction daily. Nuisance related to XXXX. In XXXX, I wasn't even there, due to XXXX, therefore, XXXX, who data breached my information, per an XXXX credit check, can not, must not and shall not continue to charge me for inadequate information. However, each time I need a car or access to new credit these histories show up and damage my credit further on each pull. 

The only proper action in all these instances of leaks, lies, and deception on the parts of the agencies, actors, and quasi-governmental institutions is to remove any and all instances or admit fault in investigation. 

Regardless, I tried at least 5 times with each one for resolution to their imposed lies and deceit. Most recently, with XXXX yesterday morning, and I don't go back to XXXX because each time they tend to call the police. 

Remove these and all faults tied to it. Its the only plausible and equitable solution, short a suit under the FCRA, ADA, and Bill of Rights.
Product: Mortgage

My home flooded I paid for the repairs Insurance company put mortgage co on checks They refuse to release money so I ca n't pay my bills Mortgage They need to refund all late payment s and release my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid for a XXXX  membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported prior to XX/XX/2020 to XXXX. Information has not been updated by XXXX  timely, and XXXX  has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA. Investigation has took longer than 30 days on multiple instances with no resolution.
Product: Credit reporting or other personal consumer reports

The balance keep getting updated and this account is over XXXX XXXX XXXX and this should hav been paid off by insurance back in XX/XX/2018 and i have been disputing isince.
Product: Checking or savings account

I received a text message from a number claiming to be chase bank fraud line. It asked me if Id spend a certain amount of money yes or no when I answered no I received a call from a number that showed up on my phone as Chase.the person on the line told me that my bank account had been fraudulently accessed and that I needed to proceed with changing my account number and my passwords.This ended up being a fraud that I fell for. I went to the branch closest to me immediately, they directed me to the fraud line. I spoke with them and made a claim within half hour of the fraudulent act. They start a claim to recover my money and that was on XXXX XXXX. I received an email this morning to XX/XX/2023 directing me to call the fraud line I called the fraud line and they informed me that there was nothing they could do to recover my funds and directed me to speak to the federal trade commission. I believed chase would help me recover my funds but they just seemed to pass me off to the government for help
Product: Credit reporting or other personal consumer reports

I checked my credit report and there is it. Some inquiries that I don't recognize and even authorized are there. Please check the documents I've sent
Product: Debt collection

I keep getting calls each week from this company ( Portfolio Recovery Associates, LLC ). They are saying that I still owe money on a credit card from years ago. I told them that I had already paid that debt up 2 years ago and that they need to check with the debtor. I even called the debtor ( XXXX XXXX ) to make sure that it had been paid. At XXXX XXXX, they said that I did not owe the company anything. 

This debt was from 5 years ago. I called XXXX XXXX and they said that I owed them nothing. I have 3 current credit cards with XXXX XXXX. 

I told Portfolio Recovery Associates that the debt had already been paid and I told them to place me on their Do Not Call List. They continued to call me anyway about this debt that I no longer owed. 

If they don't stop calling me, I will be seeking a lawyer to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX  XXXX, XXXX XXXX, XXXX SMALL BUSINESS? I AM NOT SURE IF IT WAS ANOTHER XXXX   XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS IN A CAR ACCIDENT ON XXXX AND MY CAR WAS TOTALLED. I TOLF XXXX RIGHT AWAY THAT I WOULD NOT BE MAKING ANY MORE PAYMENTS ON IT AS IT WAS TOTALLED AND THE INSURANCE COMPANY WAS CUTTING THEM A CHECK. XXXX XXXX PAID OFF THE LOAN IN XXXX, BUT XXXX  KEPT REPORTING MY LOAN AS LATE AND THEN AS A CHARGE OFF IN XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to initiate an online dispute or view my dispute results. There is a message that says we are experiencing technical difficulties. This happened before and was due to the file size of my credit report mainly due to the number of experian and experian credit match soft inquiries which are generated from the credit monitoring service.
Product: Credit card or prepaid card

I just closed my account with Cabela's/Capital One. When I made my final balance payment on XX/XX/XXXX. Cap One did not disclose to me that the " Balance Remaining '' was not the payoff on the credit card. I made a payment of {$1400.00} on XX/XX/XXXX. This was the remaining balance. To my surprise today XX/XX/XXXX ( 14 days later ) I receive an email from Cap One that I now have a balance of {$10.00} of interest. I reached out to Capital One and they informed me that I did not request a payoff which would have reflected additional interest that would have needed to be paid. I have never paid off a credit card in full with any other creditor that has ever pulled this deceptive tactic. When I payoff my remaining balance on every other credit card there has never been a " hidden '' interest charge. After I paid the remaining balance I closed the Cap One Account. I will never do business with a company that is deceptive in their processes to make more money off of hard working consumers. When you make a " remaining balance '' payment on a credit card the company should inform you of a remaining balance and a " paid in full '' balance. It's not about the {$10.00}. Its about the deceptive act on Cap One 's part. I will never work with Cap One again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXt with a balance of {$23000.00}, XXXXXXXX XXXX XXXX  with balances of {$240.00} and {$320.00}, and lastly XXXX XXXX XXXX with a balance of {$890.00} 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 an account without my written instructions.
Product: Credit card or prepaid card

Dear FTC : I applied to American Express Gold Credit Card, and was denied. I contacted American Express ( " AMEX '' ) for the reason, and told me the decline was because of " Internal Blacklist '' about previous account dated from 2001. I demanded removal of my name from American Express 's Internal Blacklist and clear black marks from Social Security Number. I told American Express that  their Blacklist violates the Fair Credit Reporting Act ( " FCRA '' ). I reminded AMEX officers that their actions have been without legal authority from Congress and Federal regulators. The FCRA does not allow negative reporting more than seven years. AMEX reports such negative information more than nineteen years. AMEX maintains this information for illegal purposes and with impunity. I spoke to several AMEX officers namely : XXXX, XXXX, XXXX, and XXXX. All of them agree that the FCRA 's seven year requirement exists, but failed to clear my name from AMEX Blacklist. The officers knew they were in breach of United States credit and lending laws. The officers chose to be complicit in the commission of these financial crimes and violation of the laws that govern credit reporting. Moreover, the officers were discriminatory in not processing my application at all. They choose not to process my application, because there is a Internal Blacklist and negative flag. All of this is happening despite my current FICO scores for XXXX  at XXXX, and XXXX at XXXX. These hard earned scores enable me to secure the AMEX Gold or any other credit card in the market. But I can not get past the AMEX BlacklisXXXX, which is both illegal to maintain internally and violates myriad Unites States financial laws. AMEX denies the existence of Blacklists in the public domain. We know now that AMEX maintains a serious Blacklist to punish American Citizens. AMEX is a corrupt institution that is seriously involves itself in the commission of financial crimes against American Citizens. AMEX victimizes American consumers like me with Blacklists whose purpose is to blackmail, vilify, harass, bully, deny, threaten and intimidate. These corrupt and fraudulent practices are unacceptable for any merchant, because they violate United States laws and the liberty of American Citizens from  extortion and subservience. I request the CFPB to enjoin AMEX from creating and maintaining illegal Blacklists, and to clear my name and Social Security Number. Therefore, I humbly request the CFPB to make AMEX comply with the FCRA and other laws as applicable.
Product: Money transfer, virtual currency, or money service

I DID NOT HAVE MY REFUND IN 7 DAYS AS PROMISE CONCELECTION NUMBER XXXX I SEND MY MONEY IN XXXX XXXX,2021 MY COSTOMER NEVER HAVE MONEY THEN I TRY TO CANCEL MY TRANSFER I NEVER HAVE MY REFUND {$10000.00}
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to LVNV Funding and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. LVNV funding is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter was sent prior and returned to CFPB advising that the accounts were not recognized. Listed in the attachment are the accounts numbers and along with a copy of the credit report. Please be advised that Transunion has received a letter prior to this and has not responded in the 30 days required by the FCRA.
Product: Credit reporting or other personal consumer reports

Back XX/XX/year>, I sent the appropriate letters for the Credit Bureau 's specifically XXXX and they never removed it. The issue now is, I own a business and it is hindering me to remove loans because I am the sole owner of the business that they are checking my credit. It still reporting that the Bankruptcy is still on there even though the account is discharged it reflecting poorly on my credit worthiness. I do have a copy of what letter was sent along with removing hard inquiries off my credit report but those haven't been removed either. XXXX XXXX is XXXX of the major XXXX party bureau 's reporting wrong information as well.
Product: Money transfer, virtual currency, or money service

I am writing this express my concerns regarding Zelles Handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times & reporting discrepancies, my financial institution & Zelle failed to investigate my claim adequately. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX there was 2 credit card accounts fraudulently opened in my name XXXX XXXX  and XXXX XXXX as well as a collection account XXXX XXXX in the amount of {$690.00}. 

The XXXX account has been removed from my Equifax credit report but remains on both XXXX and XXXX. XXXX XXXX remains on my XXXX credit report. XXXX XXXX  account has been removed from Equifax 5 times but the company keeps reselling the account every time it is removed this account is back from XXXX which is way past the XXXX statue of limitations which I was not responsible for. 

I have been disputing these accounts for XXXX yrs and have provided all documentation to prove that these accounts have never belonged to me. I also explained in details that all my personal property and wallet had been stolen I have provided police reports Affidavit and ftc reports. 

This has been very disturbing and embarrassing that I have not been able to move ahead with my life because of these inaccurate accounts. 

I am asking that you guys can please help me to get these accounts removed. 

I am filing a complaint against XXXX, Equifax, XXXX, XXXX XXXX, XXXX and XXXX XXXX for continuing to report inaccurate data to my credit report and not fairly investigating the accounts.
Product: Money transfer, virtual currency, or money service

I submitted a complaint prior concerning a scammer faking like he's going to buy my carpet on XXXX and he hits me up for a {$500.00} gift card. In trying to sell my carpet, I created 3 PayPal Accounts. He had a PayPal Assistant.gmail account that helped him seem legit. I fell for it.

PayPal has opened without my knowledge credit accounts on all three email addresses as follows :. XXXX. XXXX. XXXX I tried to close these credit card accounts and someone has used these without my knowledge. 

Also, another scammer has tried to use my PayPal Account to buy an XXXX and charge me for the XXXX. I need this scammer found and prosecuted. 

. XXXX XXXX XXXX XXXX XXXX has taken the order, which I did not make.
Product: Money transfer, virtual currency, or money service

I am filing against CashApp ( Block , inc ), due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cashapp 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 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: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 United States Code 1681 section 602 : states I have the right to privacy. 15 United States Code 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 United States Code 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



I'm requesting Debt validation with United States XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX # XXXX : XXXX. A copy of the original contract with MY SIGNATURE for the debt listed below. 

XXXX. Full payment history from original creditor XXXX. The name and address of the original creditor XXXX. Proof that you now own or assigned the debt to collections I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. You have NOT provided me a copy of ANY original documentation required under 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ) & 15 United States Code 1681 Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 15 United States Code 1681 Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 United States Code 1681 Section 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the Fair Credit Reporting Act. 



I demand the following accounts be verified or deleted immediately. Account Account Number Provide Physical Verification United States XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX # XXXX Please remove all non-account holding inquiries over 180 days old. 



Please add a XXXX Suppression to my credit file. 



Thank You, XXXX XXXX
Product: Credit reporting

Experian is reporting XXXX charges as open and not satisfied but they have been paid. I have called XXXX XXXX about my {$34.00} " balance '' and my {$73.00} " balance '' but have not received a response.
Product: Credit card or prepaid card

American Express National Bank is suing me and my wife business ( XXXX XXXX XXXX XXXX ) Claiming the Amt. of {$10000.00} XXXX used in a credit card in my name and i never asked for a business credit card and i also doesn't have a social security number. 
Now they are suing me and my wife business sending us to the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 i filed a CFPB complain with the complaint number XXXX because navy federal credit union reported a late payment which was in violation of the covid-19 forbearance program regulations fortunately navy federal corrected my credit report. This morning i woke up to another late payment being reported to the credit bureaus what pains me so much is i manage to gather money and pay off the remainder of the loan i was so relieved when i did that only a couple of days later for navy federal to report a late payment on the paid off loan i am really disgusted about this i thought navy federal treats their customers well i have told so many people about navy federal and how great this bank is only for this to happen to be today i am beyond disgusted with this bank. I have several products with this bank including a business account shame on you. I need the late payment removed from my credit report please immediately. you guys say your mission is to always put members first so prove it
Product: Debt collection

I recently received a copy of my credit report and found an account from a collection agency. The collection agency is CREDIT COLLECTION SERVICES. The debt this collection agency is attempting to collect is for XXXX. I do not use XXXX or XXXX for any insurance nor have I ever. I have never done business with these companies. I am a victim of identity theft and this account was opened as a result of that identity theft.