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

I am writing to file a formal dispute regarding a merged identity file issue that has resulted in significant inaccuracies on my credit report maintained by your agency, which directly contravene the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
Upon reviewing my credit report and signing into my Equifax account portal online, it has come to my attention that my personal information has been erroneously combined or merged with another individuals information, thus violating 12 CFR 1022.3s definition of identity theft. This merging of files has led to incorrect and misleading data, affecting my creditworthiness and potentially violating my rights under the FCRA.

The inaccuracies present include, but are not limited to : My personal information has been altered significantly, and the details reported under Personal Identification Information on my credit report inaccurately reflect my identity and creditworthiness
Product: Credit reporting or other personal consumer reports

i recently checked my credit report and i see hard inquiries for credit that i did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/24 I have included police reports because these are unauthorized and illegal. delete these from my report
Product: Debt collection

I am being called by American Express and its agents about a debt owed by my brother XXXX XXXX XXXX. I have called Amex about this and explained to its agents that I have no contact with my brother or current information about him. I have explained that I am the only one that answers the phone number they are calling and that I want them to stop calling the number but the calls continue.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Medical Revenue Service ( MRS ) for their failure to provide validation of a debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Account Information : Original Creditor : XXXX XXXX Account Number : XXXX On XX/XX/XXXX, I sent a request to Medical Revenue Service for proper validation and proof of claim, specifically requesting that they verify their legal authority to collect the debt on behalf of XXXX XXXX. However, their response, dated XX/XX/XXXX, only included invoices, treatment authorization and a financial agreement from the original creditor, failing to include any documentation proving that Medical Revenue Service is authorized to collect this debt. 

I am fully aware that the debt was purchased by Medical Revenue Service for pennies on the dollar, and the initiation of any lawsuit by the company would incur substantial costs, easily exceeding {$3000.00}. In recognition of the financial distress, emotional anxiety, and hardship caused by this debt collection attempt, I am offering Medical Revenue Service one final opportunity to resolve this matter amicably.
Product: Checking or savings account

I deposited a check and accidentally typed {$17.00} instead of {$17.00} as I am XXXX XXXX XXXX and did not have my glasses on using my Discover Bank mobile deposit. Then it said all was good and gave me the availability date of XX/XX/2024 today. I deposited it at XXXX XXXX this morning. I kept watching my account as I did not see it show up immediately so then at XXXXXXXX XXXX  called Discover Bank and talked to two female workers one took all of my personal info but had no idea what she was doing and do I asked for a supervisor who was the same her name was XXXX. She said she was working from home. All she told me was that there was a typo and they gas to correct it and so she did not know when the money would be available due to it. She said they gas to verify the check. I explained to her they already sent me the time it would be available which stated today XX/XX/2024 and I did not receive any other notification, therefore I took {$20.00} out of my account to wash my clothes in confidence that the money would be going in today as I need it in there fire the {$100.00} debit that XXXX already made for my fathers present that is getting ready to post as they are getting ready to ship it! I called them today. She said she could not guarantee the deposit would be in there as it can take up to five days to verify it! Why did they not tell me that this morning? That is all I have in my account and they are going to XXXX XXXX my XXXX order! I asked her if they could cover it if the order came through and she said no even though they claim upon opening the account you have a small OD cushion which you do not do that is false advertising! I told her if it is not posted as they stated when I deposited that I will be closing my account and she acted like she didnt care.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I started receiving 'rejection ' letters from credit and auto loan companies. Since I hadn't applied for credit or auto loans for over 5 years, I knew Identity Theft was occuring. 

All three credit reporting bureaus were advised and each put a 'freeze ' on my account on XXXX XX/XX/XXXX. I also filed a police report with local law enforcement. 

XX/XX/XXXX, I was notified by my XXXX account they had slashed my {$21000.00} line of credit because of 'late payments ' and 'excessive inquiries '. Since I had ZERO late payments, I reviewed my credit report and found alarming information - my credit score had plummeted to 'Poor ', and there was an unfamiliar credit card account fraudulently opened XXXX XX/XX/XXXX. It had late payments, an out-of-state billing address and phone number. I contacted the credit card company and advised them of the fraud and they flagged it. I submitted a fraud report to the FTC and started the process of removing the fraudulent account from my credit reports, but ran into bureaucratic obstacles and the problem remains unresolved. Meanwhile, my other credit cards also reduced my available credit. 

This enabling of fraud at the expense of a once 'excellent ' credit rating is unacceptable! The fraudulent account must be removed from my report and my good credit rating reinstated.
Product: Credit card

I received a Wells Fargo card in the mail that I didnt apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. This has been a huge inconvenience and is causing a lot of burden to my personal financial situation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX. I have a full time job in XXXX, Florida and have a company registered in the state as XXXX XXXX XXXX This is a small company that I mostly use to earn extra cash as a XXXX XXXX XXXX XXXX ( after working in the XXXX XXXX  for almost a decade ). I also help XXXX XXXX  with XXXX XXXX XXXX. My XXXX XXXX  are post paid.

For my XXXX XXXX, I use PAYPAL to collect funds after the service is performed and the client is satisfied. OnXX/XX/XXXX PAYPAL limited the use of my account. They flagged my account as " high risk '' and I went through an appeals process where I provided explanations of my services, sent documentation of my company registered in the state of Florida, and other personal information for them to verify me. I immediately submitted all the requested information/documents and explanations in order to resolve the matter. After this, onXX/XX/XXXXXXXX XXXX PAYPAL rejected the appeal and decided to permanently freeze the account and hold my funds ( {$2000.00} ) for 6 months. I called on XXXX   XXXX  and asked for an explanation and their responses were vague, and they were not willing to help me identify exactly what activity violated the agreement with them. I asked them to please point out where in the agreement I could find a statement that would go in line with my alleged violating activity, and they refused to do it. PAYPAL continued stating that there was nothing I could do to get the funds released, due to security reasons.

Their behavior is quite unreasonable, and I feel that they are taking advantage of the small businesses. They vaguely argue the reasons why they freeze funds for 6 months, and offer no amicable solutions to resolve the matter with me.

Please help ask paypal to release my funds. There are thousands of Americans being victim of this type of behavior from PAYPAL. There has to be some time of illegality about their unilateral actions which do not have any specifically valid or reasonable explanation about their user agreement violation.

Other financial entities do not have this type of predatory behavior, and I request that PAYPAL stops hurting small businesses in our country.

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized and fraudulent information currently appearing on my TransUnion credit report. As a victim of identity theft and The NPDData breach in which my personal information has been compromised, leading to several fraudulent accounts and inquiries including 111 critical findings tied to my identity within the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Repofting Act ( FCRA ). This breach resulted in the misuse of my information, including the creation of fraudulent accounts and inquiries on my credit report. I am attaching the necessary supporting documents, including my FTC Identity Theft Report and the notification letter for the breach. Also, I am also asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, as well as my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). I have reason to believe my credit file has been subject to improper investigations or reporting practices, leading to the inaccurate reporting of my information. Additionally, I am concerned that Experians handling of my credit file may violate my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report. I have reason to believe based on my disputes with TransUnion they did not use reasonable procedures to assure maximum possible accuracy of my information per USC 1681e ( b ). Also, please update my name, and remove all alias names. Driver 's license attached. Please update my address, utility bill is also attached.
Product: Credit card or prepaid card

I have two account with Amex. I applied for a third which is the Magnet card with a 0 % APR for 15 months and I filled out my application online with these terms. I was approved and was notified by email that I would receive my card by mail. I did a balance transfer from discover for the amount of {$4500.00} to Amex Magnet. I noticed an interest charge of {$58.00} on XX/XX/2019. I contacted American Express and I was told that I have misused the account. I asked how I misused the account and was informed that Amex could not give an answer. On XX/XX/2019, I spoke with a rep named XXXX though live chat. I requested a copy of my application as proof that the Amex did not honor the offer, I was denied. I then called Amex and spoke with rep XXXX. She said that she could not give me a copy of my application. She claimed that I signed up for the offer and was informed that I was not eligible for the offer and agreed to those terms. This is false. She went to say that I misused the account on my other cards but then later claimed that I misused the welcome offer. I paid {$130.00} transfer from XXXX to Amex and I'm being charged 23.74 interest that I should be not paying for.
Product: Mortgage

I asked the company to provide the copy of the promissory note with my signature. 
Stating to agreement to make payments to their servicer. 

Also I want to know what bank is in charge of my loan so I can communicate with them.
Product: Credit reporting or other personal consumer reports

This complaint about inaccurate information in one of my credit report 's accounts has been made repeatedly. Even after sending numerous objections and including documentation that demonstrates the mistakes, the information is still reported incorrectly.

In accordance with 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting organizations must guarantee that all information is 100 % accurate.
Product: Student loan

I am the cosigner on a private student loan being serviced by Firstmark Services. The loan was scheduled to be put back into repayment status with a payment due on XX/XX/21 of XXXX due. 

On XXXX I made a payment of XXXX toward what was due. Firstmark Services continues to tell me the XX/XX/21 is NOT paid and the due date has NOT advanced 1 month. Firstmark Services considers this an overpayment, however, the amount due was paid. The servicer is in error. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS IN FACT BREAKING FTC STANDARDS AND REGULATIONS, AS WELL AS FCRA AND FDCPA STATUES AND REGULATIONS. AS WELL AS FRAUDULENTLY REPORTING ANOTHER COMPANIES ( WORLD FINANCE ) a whole other ENTITYs ALLEGED LOAN/DEBT AS THEIR OWN, IN THEIR NAME. IVE NEVER DID BUSINESS WITH ; NOR HAVE I EVER ENTERED INTO CONTRACT FOR A LOAN WITH THIS COMPANY. THIS IS UNETHICAL, UNJUST AND IN VIOLATION of FEDERAL RESERVE BOARD MANDATES. UNDER FCRA AND FDCPA AN ALLEGED DEBT COLLECTOR MUST ACCURATELY REPORT ALL INFORMATION, INCLUDING BUT NOT LIMITED TO ORIGINAL CREDITOR.. THIS IS EGREGIOUSLY MALICIOUS, BASED ON THE FACT ALLEGED ORIGINAL LENDER WAS REMOVED OFF XXXX PLATFORM, ON MY REPORT FOR NON VERIFICATION OF DEBT UNDER IDENTITY THEFT. THIS ALONG WITH PREVIOUS COMPLAINTS ABOUT THIS COMPANY SHOWS THE DEPTH, VINDICATION, AND AMOUNT OF DISREGARD THIS COMPANY HAS FOR ESTABLISHED LAWS, CODES, AND PROCEDURES.. I DEMAND THIS COMPANY FURNISH TRUE DOCUMENTS WITH MY FACTUAL SIGNATURES AFFIXED AND OR VIDEO DOCUMENTS TO ALIGN WITH THE CLAIMS OF CONSUMER-MERCHANT RELATIONSHIP AND OR CONSUMER ORIGINAL INDEBTEDNESS TO SAID COMPANY.. AS WELL AS I DEMAND AN ARBITRARY RESOLUTION BE SOUGHT OUT AND MEET WITHIN 15 DAYS OF SUBMISSION OF THIS COMPLAINT. OR LEGAL ACTION WILL COMMENCE AND OR OTHER MEDIUMS INCLUDING BUT NOT LIMITED TO FINANCIAL AND GOVERNMENT AGENCIES AS WELL AS LOCAL NEWS ETC. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Vehicle loan or lease

My car was stolen from my proporty and then recovered by the police. They gave me 30 days to reclaim it and santandair bank reposesed the car within the 30 days before i could and tried to make me pay to get it back. Then they sold it off and now they want the full original amount for the loan to be paid by me. Do i need to pay this back if they have the car? I never missed a payment until they took it from me. I come out woth nothing. This seems like a scam. My credit score has never been the same. This was during covid as well this is part of my hardship during covid i just dont see why i should have to pay for a car i dont have.
Product: Credit reporting, credit repair services, or other personal consumer reports

9:37 4 In accordance with the fair credit XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may ngt treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to urgently express my deep concern and frustration regarding a severe issue with my Robinhood account, which has been restricted for the past ten days. This abrupt restriction occurred without any prior notice, leaving me completely unable to access or transfer the funds in my account. This situation is not just inconvenient ; it is causing me significant financial distress.

Despite my relentless attempts to reach Robinhoods customer service, including several emails and a request for a promised callback, I have received absolutely no response. The company 's total lack of communication is alarming and has left me feeling trapped and powerless. I am in a perilous situation where I can not reach my own money, which is exacerbating my financial stress and uncertainty. 

Moreover, it appears that I am not alone in this plight. Many others are voicing similar complaints on social media, highlighting a concerning trend of inadequate customer support from Robinhood. This lack of accountability and transparency is completely unacceptable, and it raises questions about the companys practices and commitment to its customers. 

I urgently seek your assistance in this matter. My financial well-being is at stake, and I feel that immediate action is necessary to resolve my account restriction and address the troubling customer service issues prevalent at Robinhood. 

Thank you for your prompt attention to this pressing issue. I sincerely hope to hear from you soon regarding the next steps in this process.
Product: Credit reporting or other personal consumer reports

I have identified and notice many mistakes on my credit report. I have filed a report with the FTC. I would like to have these inquiries deleted. I did not authorize these company to run my credit that's fraudulent. I have reached out to all 3 bureaus of the mishaps and they told me to wait a while and I will notice a change it has been over 6 months and no updated credit report. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i sent transunion a letter asking them to verify the debt that they are claiming to be verified. It has been over 30 days and they have yet to get back to me with my request. I mailed it certified so i know they have received this request i wish to resolve as fast as possible
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX was received noRficaRon of the XXXX XXXX XXXX Agreement with Maturity date XX/XX/XXXX. This was a ONE Rme repayment offer automaRcally accepted while accepRng the loan process. Following this, I opted for 4 repayemnt plan provided by the loan process. Close to the due date, I was able to reschedule all 4 payments to a future date. ( Proof aHached ) When I finished the loan applicaRon and went over the agreement, you The Lender states and I quote ; - ... We may allow an extension of Rme, or a payment plan, for repayment of an exisRng deferred deposit transacRon but may not charge any addiRonal fee OR change of any kind in conjuncRon with extension or payment plan. 
On XX/XX/XXXX I contacted support via email to resolve my Bank issue and pay off my loan. I communicated via email with XXXX which it took her 6 days ( from XX/XX/XXXX to XX/XX/XXXX ) to resolve and take all 4 payments at once, even though that wasnt my request. My first contact was on XX/XX/XXXX and being 1 day late aeer my first payment due date ( AHach the rescheduled payment confirmaRon for your records ). Records show that all payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) were successfully rescheduled to a future date outside your alleged grace period twice ( See aHachments ). Why is XXXX XXXX XXXX allowing customers to extend repayment plan more than once and passed your 29 days grace period if your policy says I could be reported to credit bureaus, yet, no warning was displayed when confirming this change???. I had aHached proof of it for your records. Policies and agreement state the grace period of 29 days applies aeer 1st payment scheduled for one single loan term. 
Based on my first payment due day of XX/XX/XXXX and paying off all 4 payments on XX/XX/XXXX and XX/XX/XXXX I was ONLY 23 days late. 
When I talked about the wrongfully reporRng to credit bureaus with XXXX she said ; XXXX, I appreciate the feedback. However, when you reached out to link your bank account on XX/XX/XXXX the payment was already more than 30 days past due. ( Not True ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX of XX/XX/XXXX, the payment had already hit 30 days past due. We received your email in regards to updaRng your bank account on XX/XX/XXXX. ( Not True ) Since two of the payments were made outside of the 29-day grace period, we are required by law to report them accordingly. ( Not True ) We can not delete the reporRng informaRon since as a furnisher under the FCRA, Possible must report all payment informaRon in a fair and accurate manner. 
Thank you! 
Best, XXXX from XXXX XXXX  in all, my intent is to seek legal counsel but not before giving you the opportunity to resolve this issue outside the court system. Please update my records, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has suspended my account multiple times not allowing me to manage my credit report freeze. The app that previously I was able to use to manage my credit report freezes now require a payment to use. I have called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022 and they have consistently failed to provide me the ability to unfreeze my credit report. They have prevented me from obtaining financing for a home once already and may prevent me from obtaining financing for yet another home.