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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the CFPB ( Complaint # XXXX - Submitted to the CFPB on XX/XX/2019 ) in order to assist me with the Equifax Credit Bureau continuing to report accounts that were Verified as Fraudulent after I had suffered an extensive ID Theft and Multiple Account Takeover as reported to Federal and State Law Enforcement Agencies and all three Major Credit Bureaus. The Equifax Credit Bureau did respond to the Complaint with the CFPB by removing the Fraudulent Accounts from my credit report file but FAILED to Remove the following account that is still being reported as follows : XXXX XXXX XXXX XXXX   Account : CLOSED - Account Number : XXXX Status : PAYS 61-90 DAYS Account Owner : Individual Account. High Credit : {$29000.00}. This account had extensive fraudulent activity after a Takeover and is still being reported by Equifax as a Closed Account with a High Balance and as Past Due and Over Limit, which is Incorrect, Illegal per Federal Fair Credit Reporting Laws ( FCRA ) and Extremely Damaging to my Personal Credibility. The charges on this account are exactly as fraudulent as they were on all of the other accounts that were reported to and verified by Federal and State Law Enforcement Agencies and all three Credit Bureaus. This Account Must Also Immediately be removed from my Credit Report. 

IN ADDITION >>> I have Notified EQUIFAX and XXXX SEVERAL TIMES Online, and By Phone with their Specialized Fraud Departments that AS THEY WELL KNOW that ALL of my personal information is public and available for sale on the underground web and that Fraudulent Attempts to use my Identity are still being made and inquiries are being placed on my credit report and I am receiving calls from Creditors Regarding opening up a new account as a result. I reported the inquiries as FRAUDULENT to Equifax & XXXX and they Insisted I contact the creditors and Request them to remove them due to their being fraud which I did - But they ALL sent me back to Equifax & XXXX - WHO REFUSED TO DO ANYTHING ... so ONCE AGAIN I AM STUCK WITH FRAUDULENT INFORMATION ON MY CREDIT REPORT WITH ONLY THEM DUE TO THEIR REFUSING TO OBEY FEDERAL LAWS AND REMOVE CONFIRMED FRAUDULENT ACTIVITY FROM MY FILE. Equifax and XXXX Need to Obey Federal laws to the Letter ... or my next Step is a BILLION DOLLAR FEDERAL CLASS ACTION LAWSUIT AGAINST THEM. FIX THESE ISSUES NOW!!!!! OR SEE YOU IN COURT ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian website does not allow me to recover my stolen account nor speak to anyone on the phone to explain the situation, only automated phone calls no matter how many numbers I try. It is very troublesome that something so critical and important is not/ can not be addressed directly with the company.
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 these violations.
Product: Debt collection

Lochart, Morris and Montgomery inc claimed to have notified me of a collection at an address that wasn't listed on my credit report. Lochart, Morris and Montgomery inc failed to notify myself of any debt to be paid. Lochart, Morris and Montgomery inc also stated that they notified me on the XXXX day of XX/XX/year>2024 and then stated over the phone that they didn't send anything regarding my debt until XX/XX/XXXX of 2024.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Student loan

My loans for grad school were transferred to NelNet in XXXX. I made payments on several occasions paying ahead, but every single time I set up the autopay so it would continue paying. I had some issues with it in XXXX but thought I finally had it working. As I was completing my taxes this year I realize the autopay was again switched off. It 's entirely possible I made an error at some point, but I ca n't tell you how many issues I had with their autopay. I received monthly bills with {$0.00} due this month. I realize now they mean I do n't have a payment due until XXXX. They 're just letting the interest accrue again since I paid ahead! It 's my fault for not catching it sooner, but I was very sure my loan was being paid on this whole time and may have confused it with NAVIENT, my other loan servicer who I 've completely paid off and also receive " {$0.00} due '' messages. So rather than paying down my loans like I thought the last two years I now owe more than I did previously. This is UDAAP at its finest. While my own ineptitude contributed to this, I think NelNet should be put on notice for terrible servicing practices.
Product: Checking or savings account

I signed up for a " sales program '' to learn the skill set of sales and closing. this program is called, " XXXX XXXXXXXX XXXX XXXX XXXX '' this costs {$7500.00}. which i am financing, and am bonded to a contract. some how i was upsold to one of XXXX programs called the XXXX XXXX XXXX XXXX  which required a down payment of {$10000.00} of my own money. i should have asked questions before i signed anything which was a mistake of mine but i've come to realize that this XXXX XXXX program isn't for me. it made absolutely no sense to me and i asked to resign which they have allowed me to, but won't give me back my refund. the person that upsold me should have explained to me what was to be expected when i signed up but i have come to realized he sold me on my own hopes and dreams. they told me that there has been an exchange of service on their end so they don't want to refund me. this company uses a carefully crafted script to sell people on their hopes and dreams in order to buy into their " product '' which is the sales program aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX to solve their problems. once you've signed up for this program, his " sales team '' up sells you on his other " products '' which cost more for his " coaching. '' this academy claims to help people learn the " skill set '' of " sales and closing '' in order to close high ticket deals which allows you to make big commissions from whatever company you are hired for down the road. this academy guarantees job placement with one of his " multi-million dollar partnerships '' after completion of his program. this is not true. his partnerships are people that have bought into his program, XXXX XXXX, which are people that are paying XXXX for his leads and now selling his " products and services '' which is his academy and coaching services. this is a complete mlm scam and pyramid scheme because there is no real product or service. students are being incentivized for selling this product, " XXXX XXXX XXXX XXXX XXXX, '' or upsold his higher priced coaching programs. either way, there is no real product or service. his program lures unsuspecting, innocent people in with claims that students will see a " return on investment '' within 30-90 days, being able to leave your 9-5 job, being able to work anywhere from home with just a laptop or sell phone, being able to make XXXX a month or 6 figures a year. after i have completed his program i realize what a big scam and pyramid scheme this is and this needs to stop. he is preying upon innocent people who think they will make XXXX a month, leaving their careers to try and make money selling his fake program only to get him richer. i have attempted to get a refund only to told to not give up and that i will make my money back...
Product: Debt collection

I am writing to dispute several accounts on my credit report, which I believe to be the result of fraudulent activity. These inaccuracies are severely damaging my creditworthiness and causing me significant distress. XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureau needs to be investigated due to damaging credit, because I didn't accept ridiculous high interest rate loan. I just finished paying a {$16000.00} loan for a {$9000.00} vehicle in which I paid off on time every time. The predatory loan was paid off.now I wanted to use my excellent credit for a mortgage. But the credit bureau has credit me as poor. I'm sure I am not the only one. Please investigate.
Product: Student loan

I attempted multiple times to come to a resolution with Navient concerning my private loan repayment options. I was lied to and told I had a co signer which I did not to try and scare me into making higher payments. I was then told I couldnt be in default and get on a lower payment program so I paid money to get out of default to only then be told by the next representative that I had to be in default to qualify for lower payments. I have now had to settle this debt with a debt collector to avoid garnishment. 
I was given an {$18000.00} loan with no job and no co-signer but a very high interest rate. This is bad and potentially illegal practice to do to children that they will suffer for the rest of their lives rather than just denying them.
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. 

XXXX OF XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A states : I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that XXXX is not able to obtain. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.
Product: Credit card or prepaid card

Received a letter from Sears MasterCard XXXX XXXX XXXXXXXX in XXXX XXXX, SD that I had applied for a Sears MasterCard and was denied due to being unable to verify my residence. I'm not sure if this is a scam originating from Sears or someone else, however I never applied for the card. The phone number appears to be to a private residence as well.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

My account was plased on a 10 day hold because somone claimed the money they sent me via XXXX  on XX/XX/XXXX was fraud so now the rest of my fund have been on hold for more then 10 days and no resolution on what would be done i have all the proof he sent it but that's not the case i have the rest of my funds on hold XXXX and no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

Two XXXX XXXX  account were disputed through Experian on XX/XX/XXXX because the balances were paid in full through the courts on XX/XX/XXXX. 

On XX/XX/XXXX disputes were returned and data in my Experian credit report was updated. 

Experian changed the charge off date on an account that was originally reported as charged off in XXXX of XXXX to XXXX of XXXX with the information they received from XXXX XXXX. 

The original, correct reported information before my dispute showed the account was charged off by XXXX XXXX  and reflected on Experian/XXXX/XXXX credit reports in XX/XX/XXXX. 

On XX/XX/XXXX once the dispute made through Experian was complete, the charge off date changed to XX/XX/XXXX. My late payment history changed from 2+ years to 0 months, and dropped my credit score 30+ points.

The account original charge off date was not being disputed in my initial dispute made through Experian. The only thing being disputed was that the balance was paid in full, but did not reflect on my credit reports. 

The erroneous information XXXX XXXX  furnished to Experian and published to my credit report changed my accounts XXXX and deletion/purge date on my credit report. This is illegal re-aging. The false information listed on my credit report has significantly hurt my credit score and caused various amounts of undue stress to me and my family.
Product: Mortgage

I applied for a mortgage with US Bank on XX/XX/year>. I was told I was approved for a mortgage on XX/XX/XXXX. My closing was scheduled and I received a closing disclosure. On XXXX XXXX at approximately XXXX, US Bank called me to tell me I would not be able to close unless they got special approval. On XXXX XXXX at XXXX, I was told verbally that I would not be approved for the loan for reasons other than credit. I did not actually receive a denial letter until nearly XXXX on XXXX XXXX. 

I was told that I would be able to view the letter through the portal US Bank required me to submit documents to and where I signed documents. I downloaded all documents I uploaded from the portal at XXXX on XXXX XXXX. By the time I received the letter via email, after 10+ calls requesting information, US Bank had deleted all documents relating to my loan from the portal. No denial letter was uploaded, and all documents are removed from the portal. 

I have complained to 4+ people at US Bank that XXXX XXXX , my mortgage loan officer, would not and had not returned ANY of my calls in 2+ weeks. He will not call my broker back, and only occasionally responds via email to voicemails left. I have yet to speak with XXXX XXXX since at least XXXX and I have called him 10+ times. 

When I told US Bank that I would be filing a CFPB complaint, they stopped answering my calls entirely. They stopped answering my broker 's calls.
Product: Credit card or prepaid card

On XX/XX/2023, I ordered a blue bandanna printed handbag from an online merchant XXXX XXXX  ) using my American Express Serve Card ( XXXX ) I received an email from the company stating that the item was out of stock. I then asked the company for a refund. The company claims to have sent a refund for the purchase back to the cardholder company ( American Express ), which I have not received. The cardholder company has told me that they have no record of the transaction, so I am providing documentation to show that there was a transaction from my American Express Card to the merchant and I need a refund processed. Its already been 17 days since my purchase, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed my vehicle with XXXX XXXX in XX/XX/XXXX and was to make my first payment XXXX first XXXX. I made this payment then my due date changed to the 15th of every month. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XXXX which was not due yet. I called XXXX and they told me they did not report false information and I need to handle it with Experian myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX XXXX again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Installment Loan Amount {$1300.00} Open Date XX/XX/year> XXXX XXXX XXXX Filed ID theft disputes with Credit Bureaus and Retailer. XXXX never followed up with proper investigation and follow FDCPA laws due. 
Never had a account. 

Demand for delete based on expired time
Product: Money transfer, virtual currency, or money service

Today is the day I decided I did not want to keep my Webster bank account anymore. Im very disappointed at this bank. My little sister and I live together, and she recently went back to school in a different state. She recently had a check that was sent to the house right after she left for school. Because we knew itll take a while for her to receive it if I was to mail it to her, she gave me permission to deposit the check and send her the funds since she doesnt have any money nor food to eat. Long story short, I deposited the check, and Webster bank had it on hold. I then contacted them to explain what was going on and stated my sister needs the funds ASAP as she is in a different state with no money or food. I stated I can provide anything they needed from me. Ive been a customer with them for over a year now and never had any negative issues with my account. I was on the phone with them for over 2 hours and asked for a manager multiple times. I was never transferred to one, instead the customer service representative was the middle man between the managers, fraud department and I. It was very frustrating that they kept relaying messages to him as I'm pleading my case to them. It is Tuesday XX/XX/2020 and their option was for me to wait until the end of the week to pick up the check at a local bank. I told them I can not wait that long because this is clearly a life or death situation and they clearly have the power to release the fund. I gave them options to directly wire the funds to my sibling or have the check available earlier because like I stated she does not have any money at the moment and needs it. My parents are out of the country and the fastest way for her to receive the fund was for me to deposit. i stated to Webster bank I can have her send in her driver license or a letter stating she gave me permission to do that. They were very unhelpful and I was very disappointed because now Im sitting here trying to borrow money from someone just so my sister can eat. They verified the check and it processed and approved however, they did not want to help any further.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, in light of the recent CFPB lawsuit highlighting specific issues with the platform. Despite using zelle many times and reporting discrepancies, my bank and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking them was also impossible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenses leaving users vulnerable to scams. This lack of accountability and transparency raises serious concerns about consumer safety.
Product: Debt collection

This debt was sold from LVNV Funding to XXXX XXXX LVNV funding is no longer responsible for this debt and it should not be reported to my credit. I requesting to have this removed from my credit
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit Reporting act DISCOVER BANK ACCOUNT NUMBER XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

XXXX where I used to work would force me to conduct illegal credit card transactions by forcing elderly customers to reapply for a XXXXXXXX XXXX XXXX  though they already had one. XXXX XXXX is the store manager who attempted to force me to do it. This person rewarded such behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to login with existing credentials, active plaintiff in class action against equifax involving data breaches and not receiving promised settlement benefits, unable to display profile and account access is unavailable for unknown reasons for 2 years to current
Product: Credit reporting or other personal consumer reports

i have sent many emails and correspondence wanting them to justify the late payments since under the PANDEMIC COVID RELIEF Act is was not supposed to be reported.