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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$440.00}
Product: Debt collection

I am disputing the account listed under XXXX XXXX XXXX, originally from XXXX XXXX XXXX, because the information reported is inaccurate and fraudulent. Specifically, the last name associated with the account is clearly misspelled, which makes the account invalid and unverifiable. Furthermore, I am attaching an FTC Identity Theft Report to demonstrate that this account does not belong to me and is fraudulent. 

Under 15 U.S.C. 1681c-2, Credit Reporting Agencies ( CRAs ) are required to block and remove fraudulent information from a credit report within 4 business days after receiving notice and supporting documentation. I have provided the following : A copy of my FTC Identity Theft Report detailing the fraudulent nature of this account. 
A request for immediate removal as this account is both inaccurate and damaging to my credit. 
Additionally, under 15 U.S.C. 1681e ( b ), CRAs are obligated to ensure " maximum possible accuracy '' in the reporting of information. This account fails to meet that standard due to the incorrect last name and fraudulent origination. 

Under 15 U.S.C. 1681i, CRAs must reinvestigate any disputed information and delete unverifiable or inaccurate items promptly. The inaccurate spelling of my last name makes verification of this account impossible. 

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), furnishers of credit information are prohibited from reporting false information. This makes the reporting of this account a direct violation of federal law.
Product: Checking or savings account

I received an email from Axos Bank on XX/XX/2022 that an account had been opened in my name. I had never heard of Axos Bank before and never opened an account with them. I called them immediately to report the issue and they informed me that they would research it. I called again on XX/XX/2022 and was informed that an account had been opened fraudulently using my information and had been closed. They were unable to provide me with additional information about how much of my personal information was used or how someone was able to open an account with zero verification from me. My name, personal email, and SSN was compromised without so much as a call back from Axos Bank. This identity theft was completely mishandled by Axos Bank. An account should never have been allowed to open with so little PII or verification. Additionally, my report should have been addressed in a timely manner.
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 : XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX OF 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 card or prepaid card

While purchasing a TV from HHGregg i have been making payments without fail until I noticed that my balance doubled recently when I called synchrony financial they informed me that the first two years was interest free for a promotional period and now the interests has been added to my loan almost doubling it with only a small balance remaining this was not explained to me and when I requested paperwork from them showing where I agreed to that she hung up the phone very unprofessional and fraudulent
Product: Credit card or prepaid card

I have an account with SYNCHRONY HOME, from a store called Mattress Firm. I  have a balance of about 2300 dollars. Its on a promotion of 24 months interest free. First off, you should know that at my job i get paid weekly, so it is easier for me to budget weekly instead of monthly. So, i calculated by the balance that it would take payments of {$28.00} per week to pay the balance off in less then 2 years time. So i immediately started making {$28.00} per week payments. I have done this same thing with promotions with XXXX XXXX, XXXX, and XXXX XXXX and it went very smoothly, not a single issue. The balance was always paid off before any interest and life went on. Anyway, back to Synchrony. I looked at a statement today ( XX/XX/20 ) and saw that had been charged 2 late fees in the past 2 months. I called them to discuss this with them. I found that they operation on a 23 day billing cycle, and that is why i keep getting late fees. The minimum payment is XXXX ( and paying XXXX per week, i pay XXXX in 4 weeks time ), so i pay 3 weeks and the XXXX is not met, so they add on a late fee. Then they receive my 4th payment, which does not apply to the next payment, just gets deducted from the balance.. The next week is when the next billing cycle starts, and the pattern repeats itself. I am paying more then the minimum amount due each month, but they ignore my 4th payment every month. I have asked them to apply that 4th payment to the next billing cycles payment but they refuse to work with me on this. I believe that this is a shady way of doing business and just a cleaver way to be able to charge people late fees.
Product: Credit card or prepaid card

there were XXXX charges against my card, totaling XXXX this happened in late XXXX all by the same person all from the same merchant {$5.00} and {$10.00} I submitted a claim the card company denied my claim I personnelly call many times XXXX or XXXX I spoke to XXXX different people on XXXX ocassion they stated that once a claim is denied that's it, no more talk, over there is no additional reviews allowed this is my XXXX direct deposXXXX account the card issurer is Direct Express
Product: Credit reporting or other personal consumer reports

After recently applying for a home mortgage, I have discovered that certain accounts and inquiries on my credit report are significantly hindering my ability to secure the mortgage. Despite my best efforts to resolve these issues directly with the reporting agencies, I feel that my rights as a consumer have been infringed upon. 

I understand that XXXX, TransUnion, and XXXX are the primary credit reporting agencies responsible for compiling and reporting my credit history. However, I am disputing the accuracy and legitimacy of the accounts and inquiries listed on my credit report, which I believe are either erroneous or the result of fraudulent activity.

Given the urgency of my home mortgage application, I request that these accounts and inquiries be removed from my credit report within 4 business days. The continued presence of these items on my credit report is directly impacting my ability to secure the mortgage and constitutes a violation of my right to fair credit reporting.

I kindly request that the FTC investigate this matter and take appropriate action to ensure my consumer rights are upheld.
Product: Credit reporting or other personal consumer reports

This account was canceled on the following date : ( XXXX, XXXX  ). Since then, the account has been updated as canceled every month. This is an update in the payment history. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly, and your negligence has violated my rights. I demand the deletion of the following account : XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a Negative XXXX XXXX account that's on my credit report for 1 1/2 year now. Experian states " This account is scheduled to continue on record until XX/XX/2019 ''. It is XX/XX/2019 and it reported this month I want it Removed within 15 days off my credit report. I uploaded poof in the picture that Experian need to remove it.
Product: Mortgage

Academy Mortgage is paying Real Estate Agents through buying them leads, cash payments and paying for computer programs to be the agents " Preffered Lender '' having the Agents funnel customers to Academy Mortgage and then charging customers higher rates and fees than a consumer could get elsewhere.
Product: Student loan

The loan servicing company Navient keeps trying to email me telling me that my payment is late. I thought the student loan forgiveness pause was in effect right now. Can someone please give me advice? 

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

{$2500.00} cash app has taken money from my business account 3-3.5 years back I disputed it. I then I got no satisfaction from them i went to my bank to dispute it so they did. I had then hot card my business bank card I work with day to day and it caused XXXX XXXX XXXX worth of transactions to go wrong between payroll and purchases and I had to cancel a trip do to the lack of the money lost the money for our plane tickets and hotel stays and other activities on that trip it was detrimental along with missing certain credit payments because of the messed account I usually paid all those bills from so my credit cards were not available to help with that trip as a result. I removed the app. Destroyed the card took weeks to get a new one and took months between the nsf fees an other things to get straight gain but Cash app says they still needed more money from me? The fraudsters apparently got the money thru my account somehow on their app. Kept it. And then Cash app kept it or let them keep it and now has my account closed still negative {$1900.00} to this day 3.5 yrs later.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been getting charged XXXX every month for XXXX XXXX I dont know what that is and I never agreed to those fees.
Product: Checking or savings account

On XX/XX/23, I enrolled in a cyber security course provided by XXXX. The course was provided for free with the option of paying a fee to obtain a certificate for the course upon completion and passing an exam at the end of the course. I paid the fee to obtain a certificate at the end of the course. 

At the end of the course, there was no test to test your knowledge and skills so I advised XXXX that this was not part of the deal and feel scammed. I asked for a refund I recently filed a dispute with bank of America, however, my money has not been refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is and have always been XXXX XXXX ( see attached documentation ) According to 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 XXXX XXXX XXXX This is not my name nor has it ever been my name ( Attached Driver License ) XXXX XXXX XXXX  XXXX XXXX, OH XXXX This is a fraudulent address, this has never been my address ( see attached utility bill ) XXXX XXXX Fraudulent Collection Account - does not belong to me XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Fraudulent Bankruptcy ( see attached documentation from Bankruptcy Court ) Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX  XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 Automotive ( 770 ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, 2021 XXXX  ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2021 Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX XXXX 2021 Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2021 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C 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 forms of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by 15 USC 1681a2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

Transunion has refused over and over, in all my disputes to show me the method of verification for the above accounts. Under federal law you had 30 days to provide me the method of verification and since you did not, you must remove the accounts.

I requested information for the method of verification : 1. Who did you speak to 2. When did you speak to them If you cant verify you must remove items off the credit report
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT THIS COMPANY FOR YEARS. I went and opened up adversary proceedings. I have the documentation for the provider and no will help resolve the issue. 
If you look at the credit report it shows the loan balances are higher than it was when it started and now the payments made can not be found. the loan was in forbearance for 30 days and then for 1 year. Sporadic data across the board. I need my credit report to be fix it and the creditor to explain the discrepancies.
Product: Credit reporting or other personal consumer reports

I had unauthorized inquires re-inserted on my credit report after they were removed several months ago. 

I also have an account that is not reporting accurately on my credit report. There is a billing error. I was never late on the XXXX account in XX/XX/2022. XXXX is reporting accurately with all payments paid as agreed. While XXXX and Equifax are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I have contacted Experian, XXXX and XXXX on more than XXXX occasion explaining that the following accounts are not mine. The following accounts listed on the credit report are inaccurate and do not belong to me. I have explained on a number of occasions that I have never opened a credit card with XX/XX/XXXX or XXXX. I have explained via email and a letter and they are still listed on my credit report. Experian has yet to address these matters.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, partially 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams.
Product: Checking or savings account

On XX/XX/year>, my Wells Fargo account ending in XXXX was closed, all pending items which were payroll taxes, XXXX contributions, health insurance contributions and payroll were returned unpaid. The balance of {$160000.00} is being held since XXXX. I called XXXX and was told a check was mailed out and I should receive next day via XXXX XXXX to my po box . I went to the po box to find nothing and I spoke to the postal office attendant confirming that they could indeed receive a XXXX XXXX  package by putting a slip in my box and I could claim it with them. I called XXXX was told they were waiting for approval on check to be generated and I called XXXX was told the same thing by customer service. I called this morning at XXXX and was told that they would have to transfer me to research dept. When I was transfer they said they can submit for research and it would take up XXXX hours to assign someone to the case and up to XXXX  days for them to make the correction ( or mail my check ). I ask to get something in writing which they proceeded to send and then told me they could not generate the email and passed me to a supervisor who could not do anything for me but pass me on to a different dept. Which they didnt get me to them. XXXX came back to the line saying he would research further with no conclusive information. still have not received any resolution from anyone. i am being told the same thing. Why would a bank hold on to funds for so long?
Product: Money transfer, virtual currency, or money service

Cashapp was supposed to refund me {$950.00} I have reached out to them XXXX times and they keep giving me the run around. My transaction right now says it was supposed to be refunded last Wednesday and its still not refunded. No theyre not answering anymore and when they do answer they wont put me otp with any supervisor idk what else to do. My number is ( XXXX ) XXXX. My email is XXXX & My name is XXXX. Please help me
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are fraudulent and were created or impacted due to identity theft. 
ACCOUNTS : XXXX  XXXX Bankruptcy Case Number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX XXXX to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Trans union for victim of inquiry issue on XXXX XXXX. Customer service would not help me take off inquiries they had took off prior. Try to take off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I noticed that this account on my credit report is in violation of 15 US code 1692j. Furnishing certain deceptive forms- XXXX XXXX XXXX Original Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/year>XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I initiated a transfer of {$5000.00} via XXXX XXXX XXXX to a close friend in XXXX. The transfer didn't go through, so I called and requested a refund, and I was informed that I should have the refund within 10 days. After 10 days I called them because I hadn't received the refund. I was informed that because it had been after XXXX days, they must do an investigation and file a complaint for me. They said that once again it shouldn't take long. After 10 days I called them again and was told that I should probably receive the money in about XXXX days. They went through this cycle until XXXX of this year, me still not receiving the money. When I called them in XXXX, they finally decided to tell what the problem was. They informed me that they couldn't process the refund because the debit card I used had been restricted. I told them that yes, the card had been cancelled by my financial institution ( XXXX XXXX XXXX XXXX XXXX ) and there was an ongoing investigation by XXXX XXXX because XXXX XXXX had informed me that someone outside of the area had attempted to access my account online, I told XXXX XXXX that I hadn't given my information to anyone. So I called XXXX XXXX and discovered that the original debit card could still be used. When I called Money Gran and told them what my financial situation had said, they said they still couldn't refund the money. So I again called XXXX XXXX, they assured me on several calls and personal visits to a branch it could be done. I have informed XXXX XXXX of this several times and they keep saying that they can't. I have even given them the toll free phone number for XXXX XXXX several times in hopes that they would contact XXXX XXXX and resolve this. I even asked Money Gram if they would participate in a XXXX way call with XXXX XXXX, who was willing, and they refused. The last communication I received from Money Gram was an email asking for information, which except for the debit card number, which I supplied. I surrendered the first debit card to my financial institution when I got a new card, so I don't remember the number. Money Gram has also been informed that now they must return the money to the savings account at XXXX XXXX. I have even tried to ask Money Gram if they would use an alternative method to refund the money on XXXX XXXX 's suggestion, to which they won't co-operate. It is going on XXXX months and no action from Money Gram, seems like it's stalling and the " run-around '' from them.