23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

It started back in XXXX I made a payment. It was never posted to my account so they charge me a late fee. I contacted my bank they couldn't find where they attempted to retrieve the payment. I was told my payment was return for insufficient funds. I disputed this and in the end I was back in ground zero. So I decided just pay them off and cut up the card. I maid two separate payment. The first payment was processed with no problems. The second payment and full amount of {$50.00}, due in XXXX. To be more precise XX/XX/2020. I made the payment on XX/XX/XXXX and it was process on XX/XX/XXXX. It was posted, XXXX balance. I bite the bullet happy riddance. In XXXX I got an email stating a balance of {$85.00} was due by XXXX XXXX. Immediately I said this XXXX, So I immediately contacted Comenity. I was told my payment was rejected again for insufficient funds. I contacted XXXX XXXX  XXXX. I was told the was processes on the XXXX on XXXX ID was XXXX paid to Comenity. I call back and I spoke to several customer service rep. Most of them gave the run around and no resolution. So I went into one the Branch ( XXXX  XXXX XXXX ) and spoke to The Manger. after and hour and and half he couldn't were the check was return. And more so at the time of transaction I more than enough to cover this transaction .I was told to try resolving the matter and still no where. So I went back to the manager he gave me too option 's The first one was ask them for a IP number this would locate this missing reversal payment. When I call them ask about this IP number they have no record of it, and then the call goes dead. I have made several calls them and still no progress. More important they want me to repay and then they do an investigation. After the investigation they would refund my money if it was a bank error. At this piont I am not making anymore payment. XXXX  XXXX XXXX there is no error on there part.So infract if they reverse the payment they sent my payment to someone else. Id id not it to reach this far, I tried to resolve this at the lowest level. And all I get is running in circles. I have the proof of my payment. If The XXXX  XXXX XXXX got it reversed. I would been notified. I will enclosed my proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit reports and I found the information below to be incorrect. Please make corrections because these inaccuracies need to be corrected asap. 
In Accordance With the Fair Credit Reporting Act the information listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Phone Number : ( XXXX ) XXXX, ( XXXX ) XXXX. Correct Phone Number : ( XXXX ) XXXX. Incorrect SSN : XXXX. Correct SSN : XXXX. This information on my credit reports is in violation of 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 an account without my written instructions. 15 U.S.C. 1681a-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: Debt collection

This is about an ambulance service provided which I did not order, was not for me, was not at my residence. I have NEVER received any paperwork regarding this, no invoice or billing for services. This has been turned over to a collection agency that will not provide me any information.
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, which violates the Consumer Financial Protection Act ( CFPA ). 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, the dispute resolution process was unfair and deceptive, as they did not comply with error requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions significant inconvenience and financial loss, and I seek appropriate redress for this violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX has a Installment loan that is on my TRANSUNION report that is NOT MINE. I called XXXX Customer Service and asked them what this loan was for and they told me it was for a XXXX XXXX XXXX XXXX XXXX XXXX GA, I live in XXXX XXXX XXXX. XXXX hours away. I asked for the address on file and it was from a old address on a house I sold 9 months ago, I asked for the DOB on file and it was NOT my DOB, I asked for the SS # on file and the rep said they could not provide it for me but it was not the one I gave them. I asked for them to send me a copy of the signed loan agreement and it has a credit score of XXXX on it as of XX/XX/XXXX. My score was higher than that on XX/XX/XXXX in TRANSUNION bureau, proving the SS @ on file on this loan is NOT MINE. So basically XXXX XXXX  XXXX are doing fake loans on unsuspecting consumers using just their old address and putting in fake SS # and DOBs. I contacted TRANSUNION and filed a dispute and they said it was up to creditor to remove. XXXX wanted me to file a Police report and send in copy of my DL to them, no way I am sending them this info when they are already committing fraud, making up fake loans. 

How can you have a Installment loan on my credit report when the loan : 1. Doesnt have correct DOB 2, Doesnt have my signed consent 3. Doesnt have correct SS # 4. Doesnt have my correct address 5. Doesnt have a photo ID of me If they had a copy of my Drivers License the XXXX XXXX be right would it not? 

This is blatant lender fraud. Making up and funding loans on unsuspecting customers using bits of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting late payments while in active XXXX XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint against EXPERIAN for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XX/XX/2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

have not gotton my free credit report with score
Product: Checking or savings account

I disputed a transaction in them amount of {$54.00}. I mailed the product back to the seller in XXXX. I provided BOA with the tracking number, which states the XXXX post office received my item XX/XX/XXXX. I dont know how the postal system works in XXXX. 
But I did my part by mailing the product back and getting a tracking #. Bank of America has refused to refund my monies despite me providing a tracking number. 
Im not sure if they receive a percentage of sales from XXXX or why I have to fight to get my funds back.
Product: Mortgage

There XXXX loan XXXX XXXX with XXXX XXXX Loan XXXX yrs later the market crash I was told they wrote the loan off in XXXX from planet lending that if I dont pay full amount and past late fees they will foreclose on my house. I never received any notice that this loan was open since XXXX XXXX letter
Product: Checking or savings account

I've had a checking account with XXXX XXXX in XXXX, Georgia since XXXX of 2017. I've only filed a dispute over a charge I did not recognize once in all that time. I use my debit card a lot because I really don't like to carry cash. XXXX keeps freezing my card without any notice and it makes me feel like they are trying to stop me from using my own money. It's not their money and it's not their right to keep me from using it.
Product: Money transfer, virtual currency, or money service

I as writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate.
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, which violate the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For violations I find that inconvenience
Product: Credit reporting, credit repair services, or other personal consumer reports

So this was supposed to be removed after being told it was, showing police report and approved for removing from own site, but still has not I have so many results saying that it will and have even called and been told that it is, but obviously not, debt for XXXX $ this has interfere with personal life and been denied, because of this, Can I sue?
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. <<<<<<<<<<<<<<< This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable. 
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. XXXX should really be sued for this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to request these unauthorized inquiries to all three credit bureaus certified mail. They were never removed, I need you to please help me remove these unauthorized credit error inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Gift card was purchased by a relative in California. He sent the gift card to my daughter here in Texas. Tried using the card to find the card was already used in California at a couple retailers. The card packaging was sealed, card was not tampered with. Please tell me how a sealed secure gift card was used at a XXXX in California when the card is here in Texas in my possession? Called US Bank to get this resolved but now being told I need to fill out a bunch of paperwork and send them my ID and it will take 90 days. doing research online, this is a very common issue. and many consumers are being told they have no recourse. This really is too much trouble for a {$100.00} gift card for a XXXX XXXX XXXX BUT based on principle, something has got to be done. This sounds like a perfect inside job. Its apparent that this has been going on for quite some time however nothing has been done or changed within the organization. One needs to ask why? Maybe its because they have not been exposed? No internal investigations? Its the perfect scenario... sell a good, make it seem like there was fraud? Keep the money in house! 
Also, the fraud case I opened with US Bank will require my ID, Paperwork and will take 90 days! I am very concerned about ID theft and now they want me to release my ID for a giftcard for {$100.00}? sending them my name address emails phone numbers isnt good enough? 
Something has to be done!
Product: Credit reporting or other personal consumer reports

I noticed that my credit report was not correct in listing my name correctly.

There were also credit accounts that are on my report listed that were closed, but still reporting. I have contacted the companies and asked them to remove the information, however they continue to report the wrong information. Finally, I reported the companies to the fraud and identity theft because they will not comply with my demands to remove the information that is incorrect on my credit report. This incorrect information is causing difficulty in me applying for a mortgage. Without this negative information being removed, I am forced to take a higher percentage rate for financing my mortgage, which is totally unfair. I know that if any creditor reports my information incorrectly, it must be removed from my account. Since my information was included in the data breach, all information that is incorrect has to be removed from my account.
Product: Debt collection

Debt is from deceased mother. RIP XXXX 2021. Thank you have a good day.
Product: Debt collection

I received a call today, XX/XX/2021, at XXXX pm from Merchant Adjust from telephone number : XXXX ( XXXX ) XXXX. I was told that if I didnt pay the balance in full to them on behalf of XXXX XXXX XXXX XXXX that they would begin to report on my credit. The callers name is XXXX XXXX and she told me to call her back directly at XXXX and pay her directly to avoid this small balance account from reporting negatively on my credit. This is a threat and I am not comfortable with it at all. 

I am uninsured and currently unemployed so I have no way of paying this account in full. I feel this call was made in a threatening manner to have me pay her in full over the phone on the call.
Product: Checking or savings account

My account was closed and no access to my money. I send documents verifying my deposits from my employer with no resolution. I started researching this and see there are thousands of complaints of this happening on a regular basis. This looks to much like a ponzi scheme where they are closing accounts to keep people 's money. This should never be allowed without 24hr contact if they believe fraudulent activity. Seems like they are getting interest free loans on a regular and trying to pay their debts at a later date. I sent payroll stubs, address verification, ID, credit card photo but wasn't enough
Product: Credit reporting or other personal consumer reports

I disputed an account from XXXX XXXX XXXX XXXX with Experian ( Report Number XXXX ) on XX/XX/year>, due to inaccuracies and unverifiable information. Experian updated the account but failed to provide supporting documentation, such as the original signed agreement or payment history, violating FCRA 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : U S DEPT OF EDXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX XXXX paid off Balance {$4.00} Balance updated XX/XX/XXXX Original balance {$4.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Debt collection

I have an auto lease loan with KIA FINANCE AMERICA and my due date is every month the XXXX. On month of XXXX I missed my payment but intended to make the payment within few days. 
I came across with FDCPA law in particular XXXX Harassment or abuse along with XXXX Harassing, oppressive, or abusive conduct where the dept collector may not contact consumer more than seven times within seven consecutive days. 
During the period XX/XX/2023 to XX/XX/2023 the financial institution contacted me 14 times which is a violation of FDCPA section 806 ( 5 ) ( 15 U.S.C. 1692d ( 5 ). I am seeking compensation of {$1000.00} per violation base on 15 U.S. Code 1692k - Civil liability.

Attached you will find screenshots from my phone where the communications are circled. The financial company contacted regarding the same dept the other number on file with similar frequency. 

thank you for your effort resolving this issue
Product: Debt collection

I am contesting the account with XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$910.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 184 % usage. I need Experian and XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX anything since the account was opened and used without my consent and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian.
Product: Credit reporting or other personal consumer reports

Im seeing I have inquiries on my credit report that I did not do or authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several attempts via certified mail to resolved hard inquiry on credit report. Company failed to comply according to FCRA guidelines. Company didn't respond within 30 days.
Product: Credit card or prepaid card

My card was stolen and I reported the card on XX/XX/XXXX and I received my replacement card last week however the funds in my account have not been deposited since.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 ). I request that the CFPB take action to ensure Equifax conplies with the federal law and provides consumers with hr necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that I didnt authorize, and its hurting my ability to obtain credit. Below Ive listed all the inquiries I want deleted immediately. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete immediately from XXXX XXXX. And items Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized these hard inquiries please delete immediately.
Product: Debt collection

For some reason ALCO COLLECTIONS, INC. has not sent me proof of my obligations of this alleged debt as required and continues to report this to the three major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 
I disputed this account on XXXX XXXX, XXXX on my XXXX and XXXX  credit reports to no avail. I also disputed directly with ALCO COLLECTIONS, INC. on XXXX XXXX, XXXX. To date ALCO COLLECTIONS, INC. continues to ignore my request and they continue to ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 
Who verified this account? What documents did they use to verify? Where are the documents used to verify? 
The only correspondence that I received was a billing statement. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that ALCO COLLECTIONS, INC. know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ALCO COLLECTIONS, INC. is blatantly disregarding the law.
Product: Checking or savings account

I was trying to open account with Wells Fargo and XXXX XXXX  but denied to open accounts for me and they couldnt provide me any reason for decision And Im sure that I dont have any bank debt and still I couldnt open bank account. 
I appreciate your help
Product: Vehicle loan or lease

Harley-Davidson financial keeps harassing me about a motorcycle that I dont have. Stop calling my phone and sending me letters as I do not have an account with you.