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

After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including XXXX, XXXX, and TransUnion, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX POTENTIALLY NEGATIVE XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} XXXX
Product: Debt collection

Accident happened in XX/XX/year>, and other party is at fault, Insurance company name XXXX XXXX, Claim # XXXX XXXX to XXXX I went to see doctor at XXXX XXXX XXXX - XXXX called and left me a message XXXX they received a XXXX  bill from XXXX XXXX for {$2600.00} at {$8000.00} pending for the treatment and they may possibly deny this XXXX  for no mechanism for injury per damage. I then notified the doctor and office at XXXX XXXX about a message from XXXX and they told me they are going to contact XXXX and take care of it in the meantime. The office still scheduled me to see doctor for next couple weeks and released me after that with no finance or medical bill responsibility. 
XXXX - This was more than XXXX years since my last visit there. XXXX XXXX contacted me by XXXX  with XXXX attachment that I owed them {$3700.00} which I have never been notified about. I then called XXXX to find out why a XXXX XXXX was not paid and the insurance company declined my claim since the case has been past XXXX  years and closed. So it is fully the XXXX XXXX 's error that they did not notify me within XXXX years that they could not get the money from the insurance company and while the claim was still disputable. 
XXXX - On this day, I received the XXXX XXXX letter from IC System with the amount of {$3700.00}. I called the IC System and asked if they could provide me any documents that I signed with my financial responsibility, but they declined to do so. They told me I had to pay for it myself, if I received the treatment. Since it was not my fault, XXXX should have paid for it. XXXX XXXX should have contacted me XXXX months after my treatment, so I can work with XXXX to XXXX them paid, but they did not contact me at all after XXXX years. In conclusion, XXXX XXXX did not do their job, and therefore, it is their responsibility to offset the cost and remove the amount of {$3700.00} posted in my credit bureau report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681 Accounts 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I used Zelle for a car purchase, the car was not as described, the person who sold me the car disappeared and Zelle refused to refund me after I disputed the scam
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 proce 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 55 financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Today XX/XX/year>, I made an ACH transfer from my personal Citibank to my personal XXXX  of {$10000.00}. Which is just a personal money transfer. 
But Citibank regards this as a fraud, and is deciding to close both my checking and credit card account. 
The Fraud department of Citibank completely refuse any communication on details or resolution. 
I demand one of the resolutions to be achieved from Citibank : 1. Restore part or all of my accounts. And relationship restored as usual. 
2. If my checking account can not be serviced anymore, I need permit to check out all my money, XXXX immediately at a branch. Moreover, I want a {$320.00} reimbursement which is the checking bonus whose conditon I have already achieved. 
3. If my credit card account can not be serviced anymore, I want current TYP and the welcome bonus TYP to be reimbursed to me together. I have an estimate reimbursement of {$300.00}.
Product: Debt collection

I have tried disputing this with XXXX. The debt isnt mine, I have never been to this facility. I have expressed my concern tbat someone has used my information in order to get out of paying their medical bills.
Product: Student loan

I am set up to pay a set amount for my loans every month to Nelnet, my loan servicer. This amount is autodebited. A few months ago, I decided to pay an extra {$1400.00} at my loan on top of my usual monthly amount. On Nelnet 's website, I specifically chose to direct the full amount of this extra payment to Loan XXXX, which has the highest interest rate. I also specifically chose the option to NOT have this extra payment postpone my regular monthly due date for the loan. 

However, Nelnet ignored everything. While they put the {$1400.00} toward Loan XXXX, they stopped paying off Loan XXXX for the following months. Meaning that my scheduled monthly payments now only went to Loans XXXX and XXXX This made me accrue {$300.00} in extra interest to Loan XXXX AND ultimately it did not allow me to lower the principle on that loan as I had stated/intended when I paid the extra amount. 

The Nelnet customer service rep I spoke with said that Nelnet wanted to realign all of my monthly payment due dates given my extra payment. However, as I had already told Nelnet, all of that extra money should be given on TOP of the monthly payments, so it should not have changed anything with my due dates. This is a sketchy and dishonest strategy by NelNet to make sure that all loans end at the same time ( which is exactly what I was trying to avoid .... I wanted to pay off my loans in less than 10 years! ) so that they maximize the amount of interest they collect. 

I totally understand that the loan servicer needs to make money to stay in business, but they should not be allowed to ignore direct customer requests/specifications about payments in doing so. This dishonest business practice should not be tolerated by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX hard inquries from XXXX XXXX XXXX that are showing on my Equifax report. A authorized soft inquiry was done to open an account. On XXXX 2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my Equifax report. This is damaging my credit when I have only applied/ authorized one credit pull for one credit card. I currently have an account with XXXX XXXX XXXX and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XXXX. 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a call from my credit card company a few days ago on charges that were appearing on my card. I was told I had charges every month from Trans Union for {$24.00} since XXXX and I told them I didn't authorize any charges from Trans Union. They gave me the number to call and when I talked to the representative she couldn't help me. I told her I ordered my credit score from XXXX XXXX XXXX on the Trans Union website but never authorized a monthly subscription. I asked her to email me in writing where the authorization took place and she said she would but she never emailed me. In addition, she said she would cancel the subscription and email me but again no email. I finally found out how to log in and canceled the subscription or at least I hope it is canceled. This is not fair to the consumer to be charged monthly fees without consent. The charges were as follows : XX/XX/19 {$24.00} ; XX/XX/19 {$24.00} ; XX/XX/19 ; XX/XX/19 {$24.00} ; and XX/XX/19 {$24.00}. They stored my credit card information and charged my card and I had no idea of the charges since I get paperless bills.
Product: Credit reporting or other personal consumer reports

A credit dispute was submitted to Experian on multiple occasions by mail. Experian responded to dispute as verified or have responded with a generic email stating that they were not going to respond to the alleged disputed because they feel that it was not authorized by myself. This is a violation of my consumer rights.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Debt collection

I am currently paying for a vehicle under my father 's name. Since we are facing a little of financial hardship due to my wife not being working for medical reasons, we became delinquent on the debt but has been making payments now and then to keep the delinquency on XXXX months or less. Right now we are XXXX months behind and I am to make a payment next week when I get paid some commissions. The debt collector came on Monday and left his card. I have him on agenda to call him next week, but he came again yesterday and left a handwritten letter at my house stating that my father authorized for the vehicle to be taken away and I was to surrender the vehicle voluntarily. My wife was very upset and I suffered XXXX. I called my father and he said that he has not spoken to the debt collector since two months ago when he told him to deal with me directly. My father stated that he did not authorized for the seize of the vehicle and even offer to help me making the payment. I have been cooperative with the debt collector and maintain an open communication. I gave him my physical address and my personal phone and told him that I was to make the payments and to call me when needed that I have nothing to hide and was working hard to overcome my hardship. There is no need to use these illegal practices that violates the Fair Debt Collection Practices Act, specially when I have been very cooperative through the collection process.
Product: Credit card

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-
2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ) .This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Based on the my review, I notice that Ocwen loan servicing is alleged unlicensed servicing activity in Maryland not license or have consent order file with Maryland Commissioner XXXX XXXX and no longer eligible to collect a debt form the homeowners in the state of Maryland. I 'm facing preditory lending and respa, Truth n lending violations, In violation of escrow agreement, Ocwen licensing was suspended under unfair business practices XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Therefore I request for Ocwen to show proof of claim/debt and all my payments be returned, I 'm going to continue to pay my taxes and insurance without escrow.
Product: Checking or savings account

Hello, So I bank with Truist and I currently have a checking and savings account with them. For the last XXXX months, I have been unable to make any deposits/withdraws from the savings account and I am not sure why. I have called Truist multiple times and not have received a clear cut answer as to why they can't unlock my account and say they will escalate it. Back in XX/XX/year>, I had made XXXX transactions ( between deposits and withdraws ) and for Truist that is the amount you can make before fees apply for transactions, but instead my account had locked out and I can't deposit/withdraw since XX/XX/year>. I just want the access to deposit and withdraw as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on my credit report, I have submitted my police report to the credit B. Experian this is the only company that is reporting, XXXX  and XXXX  have removed from my report, Please get this issue fixed for me this is hurting my life and business
Product: Credit card or prepaid card

XX/XX/XXXX I am still trying to resolve fraud from XX/XX/XXXX. I have no on line access due to a XXXX  XXXX. Phone reps refuse to speak with me on fraud so old. See attatched. ( Just Learned ) XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XX/XX/XXXX. A year 1/2 Later I am told ** Adjustment Purchases Temporary Credits MUST BE ( MADE PERMANET ) to apply. See attatched Adjustment Purchases XX/XX/XXXX Temporary Credits NOT MADE PERMANET YET. USAA uses every Adjustment Purchase Temporary Credit NOT MADE PERMANET yet to ** Create CREDIT REVERSALS.If USAA credit not given how can they use that as a 2nd credit to CREATE CREDIT REVERSALS and an additional new purchase charge? XX/XX/XXXX Statements Lists {$2.00}, XXXX CREDITS NEVER APPLIED they are all credit reversals. Total credits XX/XX/XXXX were {$910.00} and SOMEHOW THEY TURN INTO CREDIT REVERSALS AS WELL when merchants just paid. I have fought this for over 2 years now. I do Not believe this is ERROR. I believe it is done to AVOID PAYING FOR FRAUD and MAKING DOUBLE PROFITS charging 2Xs. It has gone on too long to be a mistake.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX : {$94000.00} XXXX XXXX XXXX XXXX XXXX : {$46000.00} ; XXXX XXXX XXXX XXXX : {$94000.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Vehicle loan or lease

CPS, validated my rights by unauthorized permission on the date of XX/XX/2022 pulled an inquiry on my report.They are not complaining with The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report they are not mind.
Someone must have used my information.
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus
Product: Debt collection

XXXX XXXX, I received a call from the local sheriffs dept about debt collection paperwork needed to be served. I received the paperwork, it ended up being court looking documents, signed by an attorney. I submitted a letter back to them as well as to the court that served me the papers. I received a call from the court saying the company hadnt even filed the documents with the courts. The document was fake. They received my request for documents on proof on XXXX and I have yet to receive anything back. The law firm was XXXX XXXX out of XXXX, ND. 

Another company had me served with the same fake document XXXX for a different debt. The law firm is XXXX XXXX XXXX out of XXXX, MN. 

Both documents state if I do not respond within 30 days that judgment by default may be taken against you. I plan to send the same proof of debt notice to this company. But after reading into the FDCPA, it seems this is a definite illegal process.
Product: Credit reporting

There is an address on my credit report that is not mine. I looked that address up and it is in an upscale area with the homeowner having the same last name as mine. Also XXXX of the verification questions says I may have a opened a home loan and questions the home loan payment. I answered none of above and my online reports were denied. How do I get that address off my credit report which may be linked to the verification questions?
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX