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

XXXX XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX requesting a Public Record on my File be removed from my report. which show up as a bankruptcy, along with a letter from the U.S court house stating that they don't report to third parties. The Bankruptcy isn't even under XXXX XXXX. Equfax stated to me over the Phone that the U.S Courts Reported the bankruptcy to their company I ask Equifax to provide me with the information from the U.S Courts the person from Equifax stated that the cant.
Product: Student loan

On XXXX XXXX, XXXX, I received my first and only notification from XXXX XXXX that unless I paid over {$4500.00} I would be in default on my student loan of {$34000.00}. I called four separate times and finally reached out to the Department of Education, Ombudsman Group, to dispute the lack of communication provided. I received notification a month later, XXXX XXXX, XXXX, stating that I had been in touch with the XXXX XXXX XXXX and the matter was closed with them. At no time, did I ever speak with XXXX for assistance. On XXXX XXXX, XXXX, I received my first correspondence from Action Financial Services that I now owed {$43000.00} and an additional {$8500.00} was added for fees and costs. XXXX checks in the amounts of {$34000.00} and {$8800.00} were paid directly to the Department of Education for payment in full on these loans. These payment were received by The Department of Education and posted to my account on XXXX XXXX, XXXX. Since the loan was in dispute and I had correspondence proving this, I should have been given 60 days from XXXX XXXX, XXXX. Also, since I paid the entire amount owed to the Department of Education, I thought this matter was closed but am now being asked to pay more money for a collection notice dated XXXX XXXX, XXXX and received XXXX XXXX, XXXX both of which occurred after the checks had already been cleared and received by the Department of Education.
Product: Debt collection

CFPB, I want to state upfront that this is not a duplicate. This complaint is in RESPONSE to XXXX   Servicing 's response to my previous complaint where in their 'book ' they stated that I, " ... will still be responsible for the loan until a full investigation has been completed and a final determination has been made. '' This company is trying to see me ( veteran, senior, on limited, fixed income ) on the street with nothing to my name when 1 ) This is NOT my loan. NO document has been supplied with MY SIGNATURE on it, and let me be clear in saying my ACTUAL, WET SIGNATURE on an ORIGINAL consumer agreement in its ORIGINAL FORM. 2 ) It is EXTREMELY STRANGE that XXXX  continues to HOUND me with this massive debt instead of FINDING THE ACTUAL ACCOUNT HOLDER!! Who is the person who signed for this loan???! Find THEM! Send THEM bills! 3 ) Cancellation is what is noted as an option in the mail I received in recent months, so I once again -- in addition to all else that's been stated -- request to cancel this loan! I have NOTHING to do with it!
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *** 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 he information is inaccurate.

Under U.S Code 1666B Billing error.
Product: Debt collection

When I tried to work for XXXX XXXX as commercial driver, they discriminated against me when they assigned me about XXXX hours training. I complained about that especially I came to them as experienced driver while a new student from driving school gave him XXXX hours only. I talked to my recruiter about it and he didn't know why they gave me too many hours. I quit the same evening I was hired and had a friend of mine to pick me back home. Few months later, I got emails from XXXX XXXX asking either to work for them or I would have to pay for {$2300.00} for breaching the agreement with them. My answer was, I did not work one day with you and if you are willing to cut hours of training I can return back. Later on, they sent email asking me to forget about the previous communication. After about XXXX months I was surprised by collection service letter. I asked them not to damage my credit and that charge is not valid since i didn't work for their client one day. I even asked them to provide pay stub for one week and they went ahead to damage my credit. Account info Account name XXXX, XXXX & XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX They had us sign a contract without giving us time to read. Just XXXX and rushed us to just click next, next until the sign box. In that contract paragraph 3, It said after the date the driver was hired. I did not work one day with this company. They didn't even pay full amount of " orientation '' after being stuck in a motel room with another driver for over a week. Once they got sued in Tennessee by many drivers, they sent emails to the drivers they were harassing to pay them back {$2300.00} ( I didn't work for them, and they wanted to make money on someone looking for a job. Luckily, I didn't work one day for them. I know many drivers who just didn't pay them after being on the roads with trainers for weeks.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME PLEASE REMOVE THEM XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XXXX  XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, in the month of XX/XX/XXXX I went into a bank XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CO and spoke with a Banker named XXXX XXXX. The reason for me coming in was because I needed to see if someone could assist with getting a ChexSystems inaccuracy removed. XXXX and I spoke with a representative from the Claims department who told me once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my ChexSystems account for the account number ending in XXXX with a closure date of XX/XX/XXXX. After my request for clarity, the banker confirmed what was said, and the XXXX re-confirmed once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my ChexSystems account for the account number ending in XXXX. 

In XXXX when this account was opened, I was a victim of a XXXX Scam. I was asked to open this account for the purpose of depositing my wages I would have earned weekly. I remember being told I'd make $ XXXX {$1000.00} weekly, and when the deposit came, I contacted the bank to report it as it was an outrageous number I was not expecting. No money was taken from the account, and it was then frozen. These same fraudsters are responsible for filing taxes in my name, as well as attempts of trying to obtain credit, as noted in my Identity Theft Report with the FTC resulting in various fraud alerts placed on my credit profiles to protect me, and even a freeze on my ChexSystems file. 

The issue I'm having is since the payment for the {$36.00} was made, I have been sent in circles from Risk Closure, Fraud, and various other customer service departments, some saying no one can help me ( paraphrasing ) and others saying what the claims rep told XXXX and I should be honored. On XX/XX/XXXX I finally contacted the Risk Closure department, and they told me I'd need to dispute the information with ChexSystems and it will then come off.
Product: Debt collection

On XX/XX/2018, I acquired through a company called Aqua Finance , Inc 3 items for my house, a water filter, a water shower and an air filter ; I signed a contract with them that said I have 3 days to return the items. 

My bank information was given to them and I authorized them to proceed with automatic debits for the payment of these items. 

The problem is that within the 3 days of the contract, I didn't have any problems, but about a week later, the water that came out of the filter, had a bad tasting and smelling water. I called the company and they said I have to change the filter. I told them the filter is supposed to be brand new, I shouldn't have to change the filter yet. They told me to contact the manager but he was not present at the moment. 

With that experience, I didn't want to open the box that contained the second item, the air filter. I got a distrust feeling regarding this Company. 

I emailed the company, explaining to them my problem with the water filter and offering to return the items because I didn't want to keep paying a big amount of money for low quality items. They told me they can ' t take the items back and kept sending me the bill with the accrued interests. 

Now, my credit is affected due to this situation
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highligting 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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX and XXXX XXXX on XX/XX/2022 and I have no recollection of doing any business with XXXX and XXXX XXXX. I am in the process of contacting XXXX and XXXX XXXX but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry from a bank i did not recognize, Barclay 's Bank on XX/XX/year>. I called that bank on XX/XX/year>. The security team marked the inquiry as fraudulent. I then asked for proof that it was completed as I was going to report this to XXXX to remove that from my credit report. They states there is nothing they can send me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is the only company that is continuing to report this inaccurate information as both transunion and XXXX has removed it. XXXX off/canceled debt is considered as income by the IRS and therefore can not be reported on a consumer report. Additionally the company furnishing that information agreed to not share my nonpublic information with XXXX XXXX non affiliates like Experian and yet they have done so. Experian keeps claiming that it's " verified '' however it goes against federal law and it violates my right to privacy as I had also requested to be opted out of reporting that account. Now I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

XXXX XXXX has approved a short sale for a XXXX veteran, the file is in the closing phase with Chase and the Closer XXXX XXXX has been making closing demands that are above and beyond the approval letter and above and beyond XXXX XXXX guidelines. She has caused a great delay in closing this file and appears to be doing everything she can to cause this transaction to fail. I have escilated this issue with Chase Executive offices and they have not resolved this issue.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) I have not initiated any transaction with { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX } for review or collection.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Ok on XX/XX/XXXX my phone was stolen out of my car and when I realized it was gone I had access to my old phone so something told me to immediately check my cash app so I go on my old phone check my cash app and this person who stole my phone was in it Im watching them change my information Im changing it back we going back and forth so I tried immediately contacting cash app they was not available at the time so I called my phone provider which is XXXX so by the time I get in the phone with somebody finally as soon as shes cutting my stolen phone off poof I checked my cash app account and all my money was at XXXX they attached a unknown XXXX XXXX XXXX   account to my cash app and this bank account dont even have my name on it I dont even bank with XXXX XXXX XXXX disappeared out of my account so Im telling the the whole time cash app that my phone was stolen and they hacked my cash app and took all my money out my account I tried to tell them while it was processing the time it was prosessing everything as a customer to save my money I did they did absolutely nothing at all Im talking about nothing now today its like they erased my whole cash app I cant log into it it says its unavailable I have emails everything to prove this whole thing is wrong they didnt do nothing with the proper information I provided them I called the bank because they said they was going to ask the bank to reverse so I took it upon myself to contact the bank myself cash app provided me wit a transaction summary of the transaction with the bank details I call the bank they tell me its been reversed already I contact cash app again and they just completely sent me thru XXXX and at the end did nothing about my money and left if like that to the point they took my account down now me and my family suffering from the lost of these funds
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX I have {$250.00} USD in my paypal balance for over 180 days. I tried to add a bank and its not allowing me to. I also tried to request a check but it says my address cant be verified.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting TransUnion and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me significant XXXX, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

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