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

I spoke with  National Credit Systems  on  XXXX   XXXX ,   XXXX   a t   XXXX   XXXX   (  MST ) regarding a removal of an account that has been paid in full several years ago. The account representative that I spoke with on a recorded line agreed to electronically send the removal to all  XXXX  CRAs on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX   I called all  XXXX  CRAs and none of them had received an electronic communication. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ) I called  National Credit Systems a gain and spoke with my account representative 's supervisor. Again, on a recorded line, they agreed to send an electronic communication to all  XXXX  CRAs to remove the account from my report. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ), I called  XXXX  and was able to have the agent call National Credit  Systems  and  get  a verbal confirmation of removal from them. This has since been removed from my   XXXX   report but not  XXXX  or    XXXX   I would  National Credit S ystems to either respond to the disputes that I have placed with the  XXXX  CRAs or to actually do what they have promised and send the removals over.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX has failed to comply with my cease and desist and now Transunion is now in compliance with their attempt to collect a debt by means of fraud and extortion. Cease and desist explains the steps necessary to prevent any further action from being taken. This account needs to be removed from my account immediately being that the company did not provide me VALIDATION. VALIDATION IS AS FOLLOWS : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Debt collection

Asked company to file 1099C due to the financial and emotional problems I am having as a result of COVID 19. The company has not bothered to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Equifax them to provide physical verification for an account that is being reported on my credit report, and for that item to be deleted, after 30 days there was nothing sent to me. On XX/XX/2020 I then wrote a second letter requesting the same information, and the same deletion. As of today XX/XX/2020 I have still yet to receive any physical verification of this item belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the item should be deleted at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS  these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX
Product: Money transfer, virtual currency, or money service

im writting this 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 of times and reporting discrepancies, my financial institution failed to investigate my claims edequately.They informed me that recovering lost funds was impossible and that trackin these transactions was infeasible .The CFPBs finding indicates 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 concern about the consumers safety.
Product: Credit reporting or other personal consumer reports

Several inquiries pop on my credit report I have uploaded ftc report with inquiry XXXXXXXX XXXX and XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 has violated. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reviewed a copy of my credit report and noticed the following information regarding inquiry below to be in error. Per the Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 

The following inquiry is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

1. PAYPAL SYNCBPAYPAL I reached out to Paypal who was not of any assistance to address this issue and directed me to contact the credit bureau to delete this inquiry from my credit report. 

I contacted XXXX to investigate and provide evidence that Paypal says that they have pulled my credit report with my permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit. 
2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission. Please include documentation of said permission. 

XXXX sent a response explaining why the inquiry is on my credit report and didnt appear to investigate this matter at all.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Exuifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Exquifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding ( File NO. 2025-CFPB-0002 ) against then for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The account is XXXX XXXX XXXX XXXX I keep marketing as inaccurate. They keep renewing this account on my credit.
Product: Mortgage

On XX/XX/XXXX we sent a check we received from our insurance company to our mortgage company ( Newrez ) for their endorsement and release of funds. We also provided all of the required documents via their portal. We were told it would take 8 - 10 business days to process, and we did not get a check until 16 business days later, and it was only $ XXXX of $ XXXX. This was after several frustrating calls and emails with the company. 

We were informed that the rest of the money would be released after a satisfactory inspection by their contracted inspector indicating at least 60 % of the work was completed. I met the inspector on XX/XX/XXXX, and she indicated we should hear something back from the mortgage company in a few day. Today - XX/XX/XXXX there still was no new information on the portal, so I called, and the customer service agent confirmed that 70 % of the work was completed, and a payment of only {$8500.00} was requested by management, and we should receive it by XX/XX/XXXX. He also said that the remaining {$17000.00} would be released when they assessed that 90 % of the work was completed. I told him this was not acceptable, and that I would file a complaint with the CFPB. He tried to get a supervisor for me to speak to, but XXXX was not available. He said a supervisor would call me, but no one has. 

We have never missed and/or been late on a mortgage payment. 
I also want to know how to collect any interest they may have earned while holding our money.
Product: Consumer Loan

On XXXX XXXX, 2015 I purchased a XXXX XXXX from a local XXXX dealer. I was trying to get financing through XXXX bank but opted to go with the Chase since XXXX could not process the loan application before the vehicle was scheduled to be picked up. On XXXX XXXX 2015, I received confirmation through the mail that I had received financing from XXXX. On XXXX XXXX 2015, I visited my local XXXX bank and decided to utilize the loan from XXXX since the terms of the loan were better. XXXX initiated the loan process and sent a check to Chase on XXXX XXXX, 2015 for the amount of {$30000.00}. According to the copy of the check I received Chase cashed the check on XXXX XXXX, 2015. Assuming the process was complete I started making payments to XXXX in XXXX of 2015. 
On XXXX XXXX, 2015 I received a letter from Chase indicating that my loan payment was due. I contacted Chase to explain that XXXX held the loan for the car and the Chase representative stated that Chase held the loan for the car. I contacted XXXX in XXXX in an attempt to determine why I was being contacted by Chase regarding a loan that I thought had been paid off. For the last XXXX months I have been forced to make payments to both XXXX and Chase for the same car loan. Chase has done nothing to resolve the issue. Personnel from XXXX have tried to determine how a check was sent to Chase, the check was cashed by Chase but no one at Chase seems to know where the money has gone. 
To date, no one from Chase has ever contacted me regarding this matter. While I have repeatedly contacted them with assistance from XXXX. Each time contact is made, I am told that I will be contacted by someone from Chase with information pertaining to my loan.
Product: Credit card

Cash app card was closed no reason provided reached out to advocate via chat support case was created to appeal was told would get an email within 30 days this was done in XXXX or XXXX. Today I received the below from another advocate same as I received each time I follow up. ( See below ) I understand your concern and appreciate you letting us know. I've logged this complaint for review and if you do not have anything else to add to this complaint, I'd like to continue assisting you with your support case. For reference, your case number is XXXX.
Product: Credit card

XXXX FTC : This is a report of fraud by the Capital One green Spark Business credit card in XXXX ) aiding and abetting the fraudulent car dealership XXXX XXXX XXXXXXXX in XXXX, and XXXX ) implementing institutional policies to # whitewash or obstruct an appropriate credit card dispute investigation. In late XX/XX/2023, XXXX XXXX XXXX sold me a used vehicle that did NOT pass XXXX  state safety inspection - and the illegal business relationship has since been uncovered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I am on social media and alerted my XXXX, XXXX police & my credit card companies starting XX/XX/2023. Also, I no longer have the car ( it was returned XX/XX/2023 ). 

Of the {$5000.00} that I paid to the dealership, {$2500.00} has been returned via my other credit card while Capital One continues to turn a blind eye. Today, I closed the account with Capital One and cited the Federal Fair Credit Billing Act ( FCBA ) - " the Act limits liability of consumers for transactions by unauthorized users to {$50.00}. '' The Capital One credit card dispute number is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) XXXX XXXX is claiming that I made a {$500.00} payment which I didnt make and now the ( 3 ) credit bureaus have moved the date of last activity forward. This is clearly a violation of the Fair Credit Reporting Act to make up payments that have not been made in order to move up the date of last activity. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Mortgage

My house significantly increase in value due to the renovations completed on the house. The valuation done by local tax collection department and also a fair value letter that was sent directly by the mortgage company showed that the house almost doubled in value and thus XXXX dropped significantly. Thus, I've reached out to the mortgage company in the beginning of XX/XX/2022 asking to remove PMI. The request is still with the mortgage company with no progress. I also can not get information on what is the reason of the hold up and by when this is going to be completed. Every time I call- which is weekly, they keep moving the date by when they expect this to be resolved. The request has been expedited XXXX weeks ago, but this did not seem to help. Meanwhile I keep paying PMI and I no longer should be paying.
Product: Checking or savings account

On XX/XX/2022 Truist Bank debited my checking account in the amount of {$35.00} ( see attached document ). The check on which Truist based this debit was neither written by me nor references my checking account number anywhere ( see attached document ). 
Despite hours of fruitless telephone conversation, Truist refused to respond to my complaint.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. These accounts 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, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Inquiry XX/XX/XXXX. 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 XXXX XXXXdentity Theft Criminal Complaint # XXXX as proof from the XXXX XXXX XXXX XXXX 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

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not open or authorize accounts, and this is the of identity theft or fraudulent activity. I have taken the necessary steps to dispute and remove account with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of this account, it continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of this account from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. This account must be removed from credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate 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 an 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, XXXX UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA XXXX, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph XXXX XXXX XXXX, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX ii XXXX, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Federal Tax lien on my credit report with all  XXXX  reporting agencies and both   XXXX    and  XXXX   XXXX  have removed this permanently from my record. I contacted Equifax last  XXXX     2016 a nd furnished proof  of the Release of Federal Tax Lien an d they did not remove it from my file.
Product: Credit reporting or other personal consumer reports

XXXX  have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Who Amsher sold the debit to and paid the agreed upon settlement amount with the understanding that after making the payment they would delete the debt from the credit bureaus. I was told to contact Amshear for the deletion letter but upon doing so I was told that the Attorney had the file and there is nothing Amsher could do.
Product: Checking or savings account

I was a Citibank client and opened a bank account in XXXX. I was told it was a regular checking account. In XXXX, I had identity theft with my bank account, due to a wire from my account. I filed a claim and am still waiting for Citibank to resolve my fraud case. Because of the lack of security in my Citibank bank account, I decided to close my bank accounts. In XXXX, I went to Citibank at XXXX XXXX XXXXXXXX and sat with a banker to close all my bank accounts ; I was told they were closed. My accountant filed my taxes for XXXX, but it was rejected by the IRS for identity fraud. I looked at my tax documents, and to the shock of my life, I saw Citibank had filed 1099 to the IRS saying that they wrote off a debt for me in the sum of XXXX I contacted Citibank. They said they could not speak to me because my account had been inactive since XXXX, and I needed to go to the branch with my ID. The manager arranged for me to get a copy of my bank statements. He told me that I needed to come back to the bank to get my account back to active so they could see details on the account. I got home and called Citibank again. I asked to speak to the recovery department. I got through to them and got the following information. 

I was told that in XXXX, they filed a 1099 for the tax year XXXX in the sum of XXXX ; they claim that the account went to collections from XXXX to XXXX. I was told the bank wrote off the debt in XXXX and then sent it to collection with the company XXXX at the phone number XXXX XXXX XXXX XXXX. I never took out a debt with Citibank ; Citibank NEVER wrote to me about a debt, and no collection agency wrote or called me. I checked my credit report from XXXX to XXXX, and there is NOTHING on my credit report about a debt. 

I am shocked by this. I need Citibank to send me the following through the CFPB : a copy of the debt, the statements of the debt, the letters from the collection companies, letters they wrote to me about the debt, and any information on this debt. I also need to know when it occurred, how it occurred, my signature on a contract for the debt, and the documents I signed for this debt. This is insane. 

Citibank had my phone numbers to call me. They NEVER did They NEVER closed my account and continued to charge me fees on my account. Hundreds of dollars in fees