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

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Product: Money transfer, virtual currency, or money service

I had made a PayPal account after I had made a bank account for the first time and then connected my bank account to PayPal. I had tried to make some purchases but I gave me authentication failures. The purchase eventually went through and then I tried to buy some other stuff but the same thing happened. PayPal then notified me that my account was permanently limited, I called customer service and they said that there was nothing they could do. This happened around XX/XX/2022.
Product: Credit card

They will not let me access my account without jumping hoops I want them to fix it or take their app down they made get it now I want it fixed or took down as soon as possible every other credit card fixies promblems they do nothing but tell that dept is not open and they tell you there hours I 'm sick of them can I see a lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I have sent multiple rounds of letters to credit bureaus to reinvestigaste 3 accounts that are reporting false information and it is costing me thousands of dollars a year. They are violating my rights and they have the nerve to not even respond to my letters! These inaccuracies are highly injurious to my credit rating. 

First account is XXXX XXXX which is a closed account that was paid in full of {$100.00}. 

XXXX XXXX XXXX acct # XXXX balance of {$620.00} XXXX XXXX XXXX  acct # XXXX Balance of {$420.00} XXXX XXXX acct # XXXX Closed paid acct Furthermore, in accordance with the fair act credit reporting act, public law 91-506, Title VI, section 611, subsection A-D, please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. IT IS ILLEGAL TO REPORT FALSE INFORMATION! 

They are all reporting different information all across the board! I have asked for the accounts to be deleted immediately and please forward me send me an updated credit report after you have completed your investigation and corrections!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in letters to the credit bureaus reminding them once again that the items that are reporting are inaccurate and does not belong to me. On top of them not verifying these items they have yet to even respond to any of my letters. This is causing me a tremendous amount of stress. I am currently pregnant with my second child, and already have a lot of things to deal with. I already stated that after review I also found out my information was impacted by the equifax data breach. If this isn't resolved, I am going to file for litigation. Please help me with this issue.
Product: Checking or savings account

This happens with my checking accounts at CAPITAL ONE 2 weeks ago XX/XX/XXXX and XX/XX/XXXX I received a wire transfer from my business partner in real estate regarding a house flipping {$60000.00} and {$50000.00} Then I made few transfer and cash withdrawals in between my business account and checking account Then I did a wire transfer out to a titled company Next thing I got an email from consumer protection saying I have to give them a call regarding a suspicious activity in my account I ignored the email think it was a spam The next day my account was restricted/ freezed and the wire transfer I did to the title company was returned Now I have {$100000.00} tied up and unaccessible in my capital one checking accounts Then I got an email saying my account may be closed and I will recieve a check after the review I then decided to call they told me my account has been closed and is under pending review This all happened on XX/XX/XXXX Then they told me to go to my CAPITAL ONE branch in person I did and they supervisor called their customer protection service then they ask for the number of the person that did the transfer I gave it to them they verified the number They also asked me to tell the person that sent the wire transfer to send them proof that she is the one that sent the transfer My business partner told her bank thats XXXX XXXX to fax the wire transmission log to my branch and proof it is her that did the wire transfer They faxed all this info last week Now i called today they told me that my account is closed but the review/investigation is still pending for over 11 days now I have no money to take on a project or to pay my bills It has being pending since XX/XX/XXXX they confirmed today that my account is closed through a call Then I asked for an update regarding the status on my account closure during a call there was none on my profile Where by my money {$100000.00} is still tied up with them Now send me a closed out check to my address on file they are telling me theres is still an investigation or review So now Im reaching out to you guys to help me solve this problem Below in the image my the status of my account before it was closed and the wire transmission log and proof that my business partner sent me the wire transfer and other images
Product: Checking or savings account

Somebody I don't know deposit a bad check in to my account and my bank account is been frozen since XXXX don't give no authorization to nobody I just did a bank verification for a normal loan.Now a scammer, an intruder is using my personal information on my Truist bank.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Using Zelle regularly and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$3000.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I was looking at my Consumer Report from all 3 Agencies ( XXXX, experian, XXXX ) and notice that per 15 USC 1681s-2 that several companies were furnishing inaccurate and incorrect information on my Consumer Reports. The IRS clearly defines a charge-off as Gross or Ordinary income. Income does not get reported on Consumer Reports which makes the reporting of the accounts listed below inaccurate and incorrect reporting. IRS also states that even if you did not receive a 1099-C you must report cancelled debt as gross income on your tax return. Lender must file form 1099-C and send consumer a copy if the amount of debt cancelled is {$600.00} or more and the Lender is a Financial Institution, Credit Union , Federal Government Agency , or other applicable entity. Cancelled debt or charge-offs are income. I've never received a 1099-C from any of the companies listed below. 

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, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
Its been more than 30 days and the credit reporting agencies are in violation of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial not only allowed my sister to illegally obtain a auto loan in my name to a relative, But they are now illegally re- aging the charged off account on my three credit bureau's.This is a complete blatantly violation of the fcra.This is when a company changes the dates on an account to penalize someone. In my case they showed this account was closed on XX/XX/XXXX which dropped my score 50 points..This account was charged off in XXXX of XXXXYet it was supposedly just closed.But have credit reports of it showing closed.This is an illegal tactic. This is a very dishonest company.I have provided my attorney the proof of what they have done as well as sent it to their local attorney General.Its one thing to dispute who got an auto loan, but I'm even more appalled by this tactic. it was told to me by an attorney. XXXX XXXX XXXX.dob XXXX ss # XXXX.
Product: Debt collection

In XXXX i owed XXXX XXXX XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated Johnson mark llc tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my equifax work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and Johnson mark llc documentation reads johnson riddle mark llc, in XXXX? This firm hasnt been johnson riddle mark for a while only johnson mark llc? I got ripped off big time!! I have documentation to support this, and can send copys by email. Also XXXX XXXX responded to XXXX complaint and they stated in a letter that {$35.00} was refunded to me on XXXX/XXXX/XXXX for the garnishment that was completed on XXXX/XXXX/XXXX???? Ummm that dont make any sense
Product: Mortgage

The company, Loan depot blocked our auto pay because a payment was returned by our bank. We had the banks send a cashier 's check which they sent back. They said it was because it was in the same account ( or something of that nature ). We were not allowed to make a payment online. My wife called to make a payment by phone. Even though the option to make a payment was offered, a customer service representative told her that she could not make a payment because she was not on the account and that they unfortunately do not accept payments over the phone. When asked how we could make a payment, she was told she could not be given that information. This call took place XX/XX/2024 at approximately XXXXXXXX XXXX CST.
Product: Credit reporting

I had an account with XXXX XXXX XXXX XXXX in XX/XX/XXXX, first reported delinquent XX/XX/XXXX and written off by the company in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX purchased the debt. I was not aware of this until recently checking my credit report. They are reporting the date the account was opened as XXXX XXXX, XXXX and continue to report delinquency up to this month XXXX XXXX. I have disputed this several times with the credit reporting agencies and they are doing nothing about it. This debt is being reported incorrectly by XXXX XXXX XXXX as the debt is too old to show on my credit report. I called the original creditor, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX to confirm the dates and they stated the debt was too old and should not show on my credit report by XXXX XXXX. Since I am getting no help when trying to communicate with the credit reporting agencies, I am filing a complaint with the CFPB. I appreciate any help you can give to correct this issue.
Product: Debt collection

XXXX KEPT TAKING MONEY FROM MY CHECKING ACCOUNT, AFTER I TOLD THEM I WANTED FINAL BILL AND WOULD PAY VIA MONEY ORDER VIA XXXX MAIL. ON OR ABOUT XXXX/XXXXXX/XX/XXXX XXXX XXXX FROM XXXX XXXX XXXX CALLED SEVERAL TIMES STATING THAT I WOULD BE XXXX AND THAT SOMEONE WAS COMMING AND KEPT CALLING XXXX TRYING TO SEND CEASE AND DESIST, DO NOT CALL, VALIDATION, I HAD ONLY XXXX XXXX FROM CALLER I.D . XXXX finally delete XXXX tradeline from all bureaus, XXXX etcc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  this creditor, has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : I also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX  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 the 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: Vehicle loan or lease

My complaint is as follows : XXXX I have leased XXXX XXXXXXXX XXXX for a monthly amount of {$270.00} -The financial representative added an insurance of tires of additional cost of {$26.00} to the contract without my consent and approval, -The amount of my monthly payment increased to {$290.00} a month -I called Honda and the dealer to cancel the insurance of tires - I have submitted several complaints to CFBP ended up that the dealer sent the additional amount of {$960.00} which is covering the additional cost back to Honda Financial services. 
-I called Honda asking about the check, - XXXX  from Honda told me that she had been told by her manager that she check will be held till I return the car after the 36 months end - XXXX  advised me that the insurance is cancelled and tires are not covered and they are holding my money that I paid for the tires till I return the card back - please help me against this Fraud by Honda Honda Financial services, they are refusing to end me my money back - I never seen such thing in my life that such company is steeling the customer just like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a item on my credit report with experian and as a result it was removed from my credit report on XX/XX/2020 then on XX/XX/2020 it was put back on my experian credit report i have filed another dispute and they are refusing to remove it
Product: Mortgage

My loan is with Superior Loan Servicing. I fell behind my payments and made contact immediately with them. I applied for a loan modification but never was I appointed some one or a single point of contact to discuss my petition for assistance, I was just told my application was declined but no reason why. I now borrowed the money in order to catch up but the lender or servicing company, SLS, is charging me an additional {$7000.00} dollars and the interest because I fell behind my payment went from 9.990 % to 17.990 %, increasing my payment from {$3000.00} to {$5300.00}. Now that the money I borrowed does not cover the excessive fees and charges I contacted the California Mortgage Relief, submitted my application, but I got an email from the program stating that my mortgage servicer is not currently participating in this program. that under current program guidelines they can not continue to process of my application if the servicer is not participating. My application is on a " on hold '' status for 30 days. If the servicer joins the program before the end of that period, they will update and reopen my application for review. I feel this is predatory lending by SLS and their only interest is to auction my property. This is a matter of extreme importance to me, I do not want to lose my home and be homeless. I was already a victim of predatory lending when I purchased the property, as the loan officer initially asked me for a low down payment but ended up paying XXXX dollars as a down payment and had to borrow money from the agent in order to close my purchase. This is the reason I have no other savings or resources to pay my mortgage and fell behind my payment as of XXXX of this year. Thank you for your collaboration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously provided a police report number to Equifax in XXXX  stating that my identify was used by someone else. I have provided everything they have requested and verified me identify multiple times. They still have names listed on my report that are not mine. At this point this is clear that this is willful, and they are being non-compliant. They are not updating my name and refuse to actually make sure someone is verifying the information they place on my credit file, especially due to this delicate situation. My name is XXXX XXXX XXXX. It has never been changed. The name they have on my report Twice ( 2 times ) still shows XXXX XXXX XXXX. My middle name does not start with a XXXX  and never has.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : # # # # # # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions