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

XXXX XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX Opened XX/XX/XXXX {$2000.00} XXXX XXXX, XXXX. 
Opened XX/XX/XXXX {$2400.00} Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open three credit accounts and go delinquent on all of them? If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law . That, in itself, is fraud. Additionally, the reported delinquency for XXXX XXXX showing as XX/XX/XXXX doesnt make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have sent letters to XXXX, Equifax, XXXX to get all updated that all credit cards are paid in full, along with that I was never late plus they are giving me bad credit scores when I should be from XXXX to a XXXX ranges. I mail to them on the XXXX of the month and they do nothing about. Do I need to get a lawyer to go after them for I should not have to do that. Also XXXX XXXX I have sent them letters and emails phone calls and they do nothing. You can call them and mail to them to send you a copy of your records and they do nothing. Will you please go after all 4 agencies for me please. You can call me at ( XXXX ) XXXX you can email me at XXXX and you can mail to me at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX For your information my social security number is XXXX dob XX/XX/. Please push them for me. Thanks
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) 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

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$3000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. I have also attached a notification from XXXX  that this item is deleted from my credit report however, it is still being reported. ) I was searching for a place to live while I was in XXXX and I saw an advertisement for 2bed/2bath apartment. I spoke with Ms. XXXX over the telephone and she showed me the apartment unit on XXXX so I trusted she was showing me the apartment I agreed to rent. I sent her a deposit of {$2500.00} and signed the lease agreement. As it turned out, the apartment she actually wanted to rent to me was a 1bed/1bath unit. ( I have attached a copy of the add she sent me along with a copy of the text message from her. ) I told XXXX I have a family and required a 2bed/2bath unit and that I wanted the unit we had initially agreed upon which was the 2bed/2bath unit. She informed me that this unit was not available. I decided not to rent the place simply because ( 1 ) it was not large enough, and ( 2 ) I was completely misled. Ms. XXXX would not let me out of the original lease that was signed and she would not return my security deposit either. This is fraudulent advertising and Ms. XXXX willfully took money from me under false pretenses. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED XXXX XXXX XXXX, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX  XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! XXXX NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are reporting inaccurate information on my consumer report. I am also aware of the recent news allegations involving XXXX and I believe I have been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to multiple credit reporting agencies, it is claimed that I opened a line of credit with XXXX XXXX XXXX XX/XX/2023 and multiple charges were made in the total of {$650.00}. I disputed this account, and XXXX claims that they verified that this account belongs to me and sent me their report on XX/XX/2023. I continue to assert that this account was never opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not give any permeation to this company to check my credit reports and i never apply for anything with this company This company rum 6 times my credit on 1 month
Product: Mortgage

XXXX XXXX XXXXXXXX XXXX. was the loan servicer and XXXX XXXX XXXX, As Trustee XXXXXXXX was the trustee. This information was listed on various illegal recorded documents as mentioned in my pervious letter on dated XX/XX/XXXX. The principal-agent relationship is an arrangement in which one entity legally appoints another to act its behalf. In a principle-agent relationship, the agent acts on behalf of the principal and should not have a conflict of interest in carrying out the act. The relationship between the principle and the agent is called the " agency. '' and the law of agency established guidelines for such a relationship. 

Therefore, these violations against the borrowers executed by XXXX XXXX XXXXXXXX XXXX. your servicer at the time, were either sanctioned by XXXXXXXX XXXX  XXXX. or ignored, either one, caused harm to the XXXX Family. For it was under your relationship with XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX sent the borrowers {$23000.00}. to bring current their past due payments for the months spanning from XX/XX/XXXX, until XX/XX/XXXX. Your servicer XXXX XXXX XXXXXXXX only applied 4 ( four ) of the payments sent by XXXX XXXX XXXXXXXX XXXX while filing a illegal Notice of Default for the remaining payments while still in possession of {$12000.00}. along with stating they were unable to locate the borrowers. The actions by your servicer XXXX XXXX XXXXXXXX XXXX. and the inactions of XXXX XXXX XXXXXXXX. force the borrowers into a Bankruptcy action to save their home : # XXXX filed on XX/XX/XXXX, again, XXXX XXXX XXXX  XXXX. had the funds to bring the past due payments current. 

Rather than recount the numerous violations which occurred with XXXX XXXX XXXXXXXX XXXX, I choose to move on to Mr. Cooper XXXX Nationstar. The same violations of servicing were allowed to continue on unchecked by XXXXXXXX XXXX XXXX XXXX XXXX, until the US Department of Justice and the Untied States Trustee intervene collectively with a Memorandum of Understanding dated XX/XX/XXXX. This agreement attached was between Nationstar Mortgage LLC and was between the " Relevant Periods '' XX/XX/XXXX to XX/XX/XXXX. ( see attached ) ( XXXX transferred to Nationstar XXXX ) Without waiving privilege : Nationstar admitted of the mishandling of accounts which were in Bankruptcy in their servicing care, this resulted in mortgage accounts being illegally foreclosed on. 

I have no doubt that there is an executed PSA agreement with XXXXXXXX XXXX XXXXXXXX. and Nationstar XXXX Mr. Cooper to service XXXX XXXX  ' interest. Furthermore, I have never seen a PSA " Pooling Servicing Agreement '' which requires zero reporting to the investor and one which provides no obligation to their Certificate Holders.
Product: Checking or savings account

On XXXX XX/XX/year> I received an email stating successful opening of an account with Chime bank. I never authorized nor requested an account being open. 

Upon contacting the company there was no way to report fraud or get the account closed as fraud nor were they able to supply any information on how the account was opened. When I was finally able to get them to authorize the account to be closed, was informed that it would take 5 business days and the confirmation email had no mention of fraud. The confirmation stated Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/year>. 

Why does it take 5 days to close a fraudulent account? Why could they provide no information on policy/how the account was opened and why does the resultant communications imply that I was at fault?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 we received a letter from Synchrony Bank They informed us that they had Immediately closed an account which had been inactive for over three years.

They Notified the major credit bureaus and Initiated an investigation and flagged our information in their system. 
On XX/XX/2021 our XXXX XXXX XXXXXXXX Visa account was flagged for fraud and the account inactivated. 
Upon checking our Credit Bureau Credit scores with XXXX and XXXX we could not get the reports. 
On XX/XX/2021, we received a Fraud Investigation Form from Synchrony Bank.

We have never contacted them in any was and would not have paid attention except for the course of 'Fraud flags ' instigated by this Synchrony Bank action.

This is clearly some type of hacking fraud. We went on line to see reports or complaints against Synchrony Bank ... ..too much to read in a day. We wonder how this sort of thing has been allowed to go on. We are sure we are not the only ones wo have been subjected to this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete these items immediately : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$39000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

Upon checking my credit report, I found multiple billing mistakes, showing late payments that are not consistent with my regular payment record. Kindly correct these issues and update my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$120.00} XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

In XX/XX/XXXX I received a letter from XXXX XXXX stating they were sending me to collections, I had no idea what this was for so In XXXX XXXX I sent a validation letter to XXXX  XXXX XXXX Which they had already reported it to the Credit Bureaus and I was not given the opportunity to validate this debt prior to them even placing it on my credit. 
On XX/XX/XXXX I received a letter stating they'd enclosed all validation documents. They sent me statements from XXXX of a credit card account that I had with them. ( Ive enclosed these documents ). 
XX/XX/XXXX - I sent them a failure to validate letter letting them know to cease collections and remove this from my credit considering they never sent me a notice prior to placing it on my credit and there were no statements or signed agreement to this account they reported. 

I then sent a complaint in and they finally responded to the cfbp 's complaint with the actual checking account that they are reporting. In reviewing these documents, first off the amount that they have stated that I allegedly owe are ALL BANK FEES. Here 's the issue with this, I never signed an OPT-IN form. Secondly, they were charging me a $ 25 monthly service fee just to have an account with them, which this {$25.00} is XXXX initially started the account to go negative. Had they NOT charged me this monthly service fee ( which I dont know why any bank charges {$25.00} a month to have an account ) the account would have never went into the negative. My account balances were indeed low but given the fact that they initially caused the overdraft with their fee, then charged me overdraft fees on items that would have cleared, it kept snowballing with fees. They charged me {$510.00} in monthly service charges, overdraft fees, and extended over draft fees, on items that would have cleared with out their ridiculous fees. 

I work on an XXXX XXXX and am in the middle of nowhere for XXXX weeks at a time without access to bank accounts. It is obvious after reviewing the bank statements that I at no point OVER SPENT what I had in my account. On top of that, I never asked them, never signed for them to OPT me in to pay into overdraft. The signature card they sent has NOTHING about opting in on it. 

I refuse to pay any more fees to them and this is absolutely unethical what they have charged me and they need to remove this from my credit reports and cease all collections, I have included all correspondence and highlighted the bank statements to reference how their fees is what caused this and their fees is what is allegedly owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Equifax Information Services, LLC and there is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within XXXX business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX XXXX and FCRA Delete & purge these accounts below : XXXX, XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete all hard inquires & late payments as well
Product: Credit card

When scheduling a payment with this company the website does not show the schedule payment. Thus I end up making duplicate payments. Reaching the place to update or cancel payments is not easy to find or do.
Product: Payday loan, title loan, or personal loan

Made a loan through XXXX XXXX to have solar panels installed on my home. Mosaic has already paid XXXX XXXX although I reported to them that they had not completed the contract!!! Their contracted company, XXXX XXXXr has already violated my contract by not having my solar system installed and with permission to operate within 90 days. Numerous Failures by XXXX XXXX wiring issues Faulty panels, solar system not installed to contracted plans, documents and designs XXXX commissioning failures and I am out of {$20000.00} due to Mosaic paying company BEFORE CONTRACT WAS COMPLETED!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX with a {$300.00} limit for a little more than 2 years now. I disputed a late payment listed on my credit report and all 3 bureaus deleted the entire account. The credit bureaus say that XXXX XXXX requested that they delete the report and Capital One say they did not and in fact they are still reporting ( see attached letter ). Removing this account has hurt my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. US DEPT ED XXXX {$2200.00} XXXX  XXXX {$2200.00} XXXX XXXX  XXXX {$8200.00}
Product: Debt collection

I have repeated to XXXX that I turned all my accounts over to XXXX XXXX XXXX he just goes on to tell me he doesn't care there has ben no payment on this account since last XXXX he calls more than once a day either XXXX or XXXX my number or my husbands. Today XXXX, XXXX called my son at his job, who is a XXXX XXXX XXXX  XXXX XXXX.to ask about XXXX XXXX my husband and XXXX XXXX how to reach XXXX XXXX XXXX XXXX and independent of myself and my husband he is married and lives in another town. I don, t know how XXXX got information on XXXX whose last name is different I believe this is XXXX. 
XXXX Ph # XXXX ext.XXXX