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

Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXX XXXX Inquiry from XX/XX/2019 2.XXXX/XXXX  Inquiry from XX/XX/2019 3.XXXX XXXX Inquiry from XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts listed on my credit reports and the do not coincide with all three reports 1 ) this XXXX report is showing that its open and delinquent and I paid this account off in XX/XX/21 on all reports 2 ) department of education I had I had those accounts forgiven and they are listed as delinquent on all 3 reports 3 ) XXXX XXXX  theses accounts need to be reviewed they have all different Amounts on all 3 credit reports and some not even listed at all 4 ) XXXX XXXX is listed on my 1 credit report and not all reports as this amount that was not paid when the account was canceled this needs to be reviewed and deleted as soo. As possible 4 ) collection account with no source listed fo {$49.00} dollars not listed on all my reports this needs to be deleted as this information is not accurate 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open 6 XXXX XXXX XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open XXXX XXXX XXXXXXXX 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX
Product: Debt collection

I was contacted by XXXX at XXXX and XXXX XXXX  on A person named XXXX XXXX left what I perceived to be an inaccurate and threatening voice mail about a collection. He said he was from the law offices of XXXX or XXXX. 

I do not have any active collections or court actions to the best of my knowledge and checked my credit report this morning. There were no records of collection or derogatory remarks on my file when I checked via the XXXX XXXX app. 

I believe this is an attempt to reactivate or collect a very old debt and that it is possible that the gentleman who called is engaging in illegal activity to do so. 

I called the number back at XXXX XXXX. The number hung up on me after our exchange. At XXXX XXXX  PST he called me back and said, Your drivers license is suspended until this action is resolved. Good luck taking public transportation to work. 

He also called my mother and made similar threats. He called her on her personal number. 

I texted the number and told him he could not call me anymore and that he had to furnish proof of my debt. 


XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Hello, I am writing to express how Zelle has handled my account disputes given its recent lawsuit with the CFPB that calls in issues with the platform. Given my use of Zelle various times and reporting when I had discrepancies and issues, Zelle did not investigate r provide feedback adequately. It was reported that when funds are lost, they can not be recovered for me because the funds could not be tracked feasibly. The CFPB has highlighted that Zelle 's inability to protect consumers and allow folk to continually offend/harm/scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate my consumer rights by not following correct procedures telling the CFPB and the FCRA they are following guidelines which i continue to show proof on the information that reporting on my credit file are inaccurate but they continue to tell my they have verified the account from the furnisher which is againg another story they are telling. 
XXXX continues to violate my consumer rights by not following correct procedures telling the CFPB and the FCRA they are following guidelines which i continue to show proof on the information that reporting on my credit file are inaccurate but they continue to tell my they have verified the account from the furnisher which is againg another story they are telling. 

I will upload proof of how the credit bureas continue to report inaccurate information on my credit reports that has Collection accounts and charge offs saying they been verified when i know they havent all hearsay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my consumer report from Early Waring and they provided it. I was stunned to see every transaction in my bank account listed on the report. I immediately contacted them and asked them to freeze my consumer file so it would not be shared. 

They responded that they are not required to comply with consumer report freeze requests. When I asked for an explanation they would not provide one. I have since sent email and mailed letters requesting that my report be frozen and they do not respond to either method. 

Clearly, the bank transactions listed on my Early Warning report are being used by their member banks to make credit decisions or influence credit offers they may provide to me. 

The banking transaction listed in the Early Waring report is far more detailed and private than any data you see in a standard credit report. It is essentially a copy of your bank statement. This information should not be shared with anyone member company or otherwise.
Product: Credit card or prepaid card

When I first ordered from XXXX I was thrilled. They then issued me credit and I also thought that was great. Then when I tried to make my first payment, the trouble began. I would try to enter my bank or credit card information for payment and it would be rejected!! I then would call the cs dept and they would try and would also not be able to complete the transaction. I would then beg for someone to please tell me why you ( XXXX ) wouldn't or couldn't take my payments, so I sent in a Check, But you returned my check saying it could not be processed!!! When you finally rec 'd my personal check and did accept it, you said I was late!!! This went on until I quit ordering from XXXX just exactly for this reason! And I get a delinquent notice on my credit!!! That is so wrong!!
Product: Other financial service

I 've been receiving calls from a payday loan company after I 've asked them to cease and desist. They call me with different numbers from all over the country all times of the day with automated messages. I 've tried to work something out but they insist on using this method of collections and leaving voicemails.
Product: Money transfer, virtual currency, or money service

I used cashapp in XX/XX/year> to try and get a Cashapp card but, I had a few questions before I ordered the card. There was no phone number found under the app for concerns before purchasing said Cash app card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block the following accounts : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXXXXXX balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}
Product: Credit card

First off I'm on a fixed income, all bills are paid no later than the XXXX of each month with my debit card. XXXX XXXX paid {$25.00}, cleared my bank XX/XX/year>. My bank contacted me on XX/XX/year> informing me that avant double dipped. I contacted the Co. Immediately to ask why this happened and could not get an answer. The XXXX offered a refund but could not complete it due to computer declining the refund again no reason. Spoke with a supervisor who sent it to the escalation dept. XX/XX/year> called to find out why my refund hasn't hit my account and was told that the escalation dept. Has not responded to the request and still have 0 answeres as to why this happened or when or if I will get the refund.. This is not about the refund, it's about the unauthorized taking of funds from my account. I have never been late or missed a payment in the approx. 2+years of having this card, and this is not the first issue with this company, but this is the first illegal issue that I have caught thanks to my bank.
Product: Student loan

Navient has stated, in writing on XX/XX/XXXX, that my Borrowers Defense mixed consolidation loans will only PARTIALLY be discharged and a discharge date has not been provided. The court order in XXXX XXXX XXXX by XXXX XXXX and the Dept of Education states most recently in the XX/XX/XXXX court hearing that the mixed consolidation loan must be discharged IN FULL by XX/XX/2024 and this is the final deadline for servicers to fully discharge loans in this lawsuit. 

Navient does not have the authority to ignore the court order or ignore the direction of the Dept of ED on the full loan discharge instruction, nor do they have the authority to miss the court ordered deadline of XX/XX/XXXX. 

I have spoken directly to XXXX XXXXXXXX XXXX team and the XXXX attorneys in the lawsuit and I have provided to them all my Navient loan information, including copies of Navient communication stating only PARTIAL discharge will occur. 

To date, I have received XXXX  relief from my approved Borrowers Defense claim for my loans being held hostage by Navient. Navient has to play by the rules set by the judge and the dept of ED, they do not get to make up their own rules. 

XXXX and the team working with XXXX XXXX have specifically asked me to follow up with them on XX/XX/2024 regarding my discharge relief status with Navient. If full relief is not received by XX/XX/XXXX they will include my loans in their contempt of court order against Navient.
Product: Mortgage

I have a mortgage with Seterus inc. that has been modified about 5 years ago. 
Seterus inc. has worked with me when I needed the most and I truly appreciate it, but they had become my worst nightmare after they started making various mistakes in handling my mortgage correctly and effective. 
They first made a mistake in applying money to my escrow, they raised my payment saying I did n't have enough money in the escrow account to cover insurance and taxes. 
I found that odd, cause I new how much I had to pay a month to take care of that and they were charging me a lot of time and money. 
After months and many hours on the phone trying to get them to fix my escrow, they finally did it and I was able to get my payment to where it was supposed to be. 
After they fixed the escrow, they began telling me that my mortgage was late for a month and stated charging me a late fee every month. 
I have told them in dispute letters many times that I am not late on my payments and that I have all my receipts to prove it. 
They keep telling me that I am late since XXXX and I have not paid the XXXX installment. 
I have the confirmation number and the bank statement to prove that they have received the payment. 
Please help me fix this problem as I think they are doing this on purpose based on the fact that I have filled for bankruptcy right after the modification and have failed to reaffirm the loan by the due date and now I feel like a deer that is being held by the neck by a lion that is just waiting for my last breath. 
After all the mistakes and because the mortgage not being reported to my credit, I find myself " stuck '' with this bank. 
I looked into refinancing now that I am getting back on my feet, but I was told by one of the institutions to file this complaint and have this fixed before I could try to get refinanced and get rid of Seterus inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous calls with the credit bureaus in attempt to remove collection accounts which were a result of identity theft. I have submitted my identity theft report from the FTC about 8 times in the last two days. Each time I call they advise that they have not received, but on the website, it advises that information uploaded will be received the same business day. I have requested another form of expedited uploading, such as email or fax and they advised that the only way is US mail or upload through the site. They will not remove the collection accounts, despite me advising them I have an FTC report for identity theft.
Product: Checking or savings account

I did some work for a long-time client and they wrote me a check for {$7000.00}. I had this check deposited for me to my Chase account as I am out of the country. 

Chase has been holding this check for longer than the legal limit. The check was deposited on XX/XX/23 and cleared shortly thereafter. 

Initially, they gave no reason for not releasing the funds and claimed that their deposit agreement superseded federal law and that they can hold my check for up to XXXX business days. 

Now that we are reaching the XXXX business days, they are making vague claims that they suspect fraud, which is absurd. When I try to get concrete answers about why they think this is fraud, I get nowhere. 

I have held this Chase account since I was XXXX years old and though I do not use it often, I do use it every now and then to deposit checks sent to my parents ' house, as they have a Chase branch XXXX minutes away. 

I have had checks of larger amounts deposited to this account without a problem. It seems like a convenient excuse for Chase to claim that they are trying to protect me from a threat that they can't give any information on, while they hold my cash for their own gain- especially after the check cleared on XX/XX/23.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in resolving an issue related to inaccurate reporting of my student loan accounts by the three major credit bureaus. On XX/XX/XXXX, I submitted documentation to XXXX, XXXX, and TransUnion requesting corrections to the reporting of my student loan accounts serviced by XXXX and XXXX. Despite this, the inaccuracies remain unaddressed, and I am seeking your intervention to rectify this matter. 

The specific issues involve incorrect reporting of late payments for the following months : Year of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( All if I missed dates ) These late payments are erroneously recorded across all 17 accounts managed by XXXX and XXXX. 

In reality, I successfully made on-time payments for 10 consecutive years and achieved forgiveness through the Public Service Loan Forgiveness ( PSLF ) program. Given my consistent adherence to payment schedules and the subsequent loan forgiveness, the records for all these accounts should reflect " never late '' and " no delinquency. '' The current inaccuracies have caused undue stress and negatively impacted my financial well-being. 

I believe these errors are the result of non-compliance by the loan servicers and request the CFPBs assistance in ensuring that the credit bureaus update these records to accurately reflect my positive payment history. I have attached supporting documentation, including payment records and correspondence with the credit bureaus, to facilitate your review. 

Resolving this matter promptly would greatly alleviate the burden this situation has placed on my life. I appreciate your attention to this matter and your commitment to protecting consumers.
Product: Credit card or prepaid card

americollect : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dollars profit service group : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dolllars Ive never opened, or even used a credit card before in my life. Ive been working extremely hard to build my credit, while others tear it down. I need help getting this off of my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( CRPA ). SPECIFICALLY CASH APP FAILED TO TAKE TIMELY AND EFFECTIVE MEASURES TO PREVENT AND ADDRESS FRAUD ON THEIR PLATFORM LEAVING MY ACCOUNT VULNERABLE AND I'M PROTECTED. 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 insignificant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because I recognized inaccurate info on my credit report. {$18000.00} is reporting to my credit report that is inaccurate. Reporting date XX/XX/2022. 

Also I see addresses and employment that are inaccurate as well. A birth year is also inaccurate. 

And one inaccurate name. Accounts that are inaccurate are XXXX, XXXX, XXXX. Employment that is inaccurate is XXXX XXXX XXXX I would like this matter to be investigated, resolved and removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX TRANSUNION XXXX XXXX ARE VIOLATING THE CONSUMER LAWS REMOVE IMMEDIATELY XXXX ACCT # XXXX
Product: Credit reporting 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 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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. 1681s-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: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.
Product: Checking or savings account

I opened my account this past spring. I put the mailing address of where I was temporarily staying at the time because that 's where I get my mail. 

A couple weeks go by and M & T places a freeze on my account when I first try to withdraw funds. I was leaving for California the next day and did n't have time to deal with it. 

I called and called and they would n't unfreeze my account unless I could prove that I lived at mailing address??? I sent them my SSN card, Driver 's license, and proof that I lived at the address on my license, but they would n't even let me so much as speak to the security team to explain my situation. 

Now I am stuck in California permanently, and without access to my funds. 

I ca n't : 1. Withdraw my money 2. Unfreeze my account because I do n't have proof of something that does n't exist 3. Close my account without the balance being {$0.00} 4. Correct my address 5. see a branch because I am in california .