23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Please see attached the information I've collected that needs to be corrected and deleted from my report.
Product: Checking or savings account

On XX/XX/year>, I transferred {$240.00} to my American Express High Yield Savings Account. I transferred this money after getting paid. On XX/XX/year>, I called American Express after trying to log in and getting an error message that I kept seeing that day and days before. They notified me that my account had been closed and that they could not provide any information as to why. I then asked them about getting the {$240.00} back that I had in my account. They told me the only way was to get in touch with the bank that I transferred the funds through ( XXXX ). I got in touch with XXXX and they told me they could not do much on there end. I then reached back out to American Express and was told they would send me a letter to explain why my account closed. They also told me they could not give me my mom back unless XXXX recalled the funds. After this, I spoke with someone from XXXX who said it was possible and that it would take XXXX days. I just got back from a cruise recently and realized I never received the funds. Today, XXXX XXXX, I called XXXX to receive an update. They informed me that in their system it is impossible to do a recall and that the previous person gave me incorrect information. Its been almost a month since I found out my savings account was closed. I have not received a letter from American Express like they said I would. I have also not gotten my {$240.00} back. I am a college student who is currently in a work study program and I work hard for my money. I desperately need my {$240.00} back I was just trying to save money. American Express has been terrible in providing information and trying to accommodate me. I did not owe American Express any money and I honestly think I may have had more than {$240.00} in there but I could not log in.
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 highlighting significant issues with the platform. Despite utilizing Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me the 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

XXXX XXXX XXXX I was not finished with my treatment, when they abruptly filed for bankruptcy. I am receiving text messages about the remainder I owe to XXXX XXXX. They have breached their contract, and I did not receive what I signed up to pay for.
Product: Debt collection

On XX/XX/2021 a complaint was submitted via CFPM regarding an account that XXXX XXXX ( XXXX ) is reporting in error to the credit reporting agencies. On XX/XX/2021 XXXX  responded to my original complaint outlining that they have documents that were provided by the original creditor related to the validity of the debt they claim I owe. XXXX claims they " emailed '' the documents to me but I have never provided XXXX with my email address. On XX/XX/2021 I wrote XXXX requesting validation and a response via U.S Mail. As of today XX/XX/2021 that response has not arrived nor has it complied with my request.
Product: Credit reporting or other personal consumer reports

I use to use Lexington law so that my credit would get fixed, even after I started noticing it was doing absolutely nothing to help my credit, I cancelled, after I cancelled with them I was still getting charged. Got on the phone with them and requested refunds and they said they could not.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ( 3 ) accounts that are inaccurate on my credit report.

( 2 ) accounts from XXXX XXXX XXXX ( loan and credit card ) ( 1 ) account from XXXX XXXX  ( loan ) 15 USC 1681A ( 2 ) - I didn't give written permission to have those accounts furnished on my report
Product: Credit reporting

XXXX XXXX I joined XXXX on a month to month contract. 
XXXX XXXX I sent via certified mail membership cancellation -pd. final month, {$25.00} canc fee, & returned membership card. 
XXXX XXXX received charge from XXXX XXXX. Sent letter reiterating above info. Also, in between my cancellation and this date XXXX CLOSED ( went bankrupt? )! I assume they sold their gym to XXXX, as I began receiving bills from them threatening collections! ( I NEVER was a member of XXXX ). 
XXXX XXXX faxed dispute to XXXX with all docs. Spoke with customer service who informed me this would be removed- incorrect charge. 
XXXX XXXX recd. notice from collection agency XXXX XXXX for XXXX. I called and spoke with rep. who told me this would be removed immediately! I also sent via registered mail copy of all docs. 
As far as I knew this was being considered a fraudulent charge and was resolved/closed. 
XXXX XXXX recd. letter from XXXX XXXX XXXX from XXXX - provided registered docs that not only was this incorrect - but also fraud. 
I had cancelled a membership with a club that went bankrupt/closed. They sold their facility to another gym. Who FALSELY and FRAUDULENTLY began billing me through XXXX XXXX and sending incorrect info. to credit agencies. 
This incorrect/fraudulent/closed account is still being reported on my credit report! I would like it removed and resolved immediately! Thank you. 
I believe that both XXXX and XXXX are directly responsible for all of the above mistakes! 

( ( PLEASE DO NOT INCLUDE MY SUPPORTING DOCS AS THEY HAVE PERSONAL INFO. HOWEVER, I AM FINE TO SHARE THE SUMMARY ABOVE SO OTHERS CAN LEARN ABOUT PROBLEMS WITH BOTH XXXX AND XXXX! THANK YOU ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been removed from my credit report and they keep using different collection agencies. The balance was paid in full. This also was a payday loan.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Midwest recovery has called me twice they will not tell me what the debt is. They are demanding my SSN and dob. I repeatedly told them no. And they keep calling. I don't have any outstanding debts that I am not aware of.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Equifax along with the account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Equifax and XXXX XXXX XXXX have violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed that after several complaints equifax is still violating my rights by inaccurately reporting account number : XXXX XXXX XXXX XXXX  '' from XXXX XXXX as accurate. The above account is not a real, complete, or accurate account number and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.

They have supposedly confirmed this information as accurate on my credit report without fulfilling any proof or evidence of the steps in their investigation, and have not made any attempts to remove the incomplete, and inaccurate account number of reference from my credit report. Please have equifax provide who they spoke with and proof of alleged debt as part of their response in order to properly investigate this case.
Product: Debt collection

Agreed to pay in full " settlement '' which I did. Called multiple times regarding this And was explained it will be taken off my credit in  one month, it 's been 3-4 mo nths
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account *XXXX Account # XXXX Validate account I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Loan # XXXX Dear Sirs, we are a responsible Real Estate owners, we have made several payments IN ADVANCE towards our Mortgage listed above for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nationstar mortgage company made several errors in applying these payments at first to the WRONG accounts, then to the interest and Principles, even though we talked to the Managers to ONLY direct our payments to INTEREST ONLY for the follow months. 
They attempted to correct the account ; almost every month to no avail. On XX/XX/XXXX we received a SUSPENSE NOTICE for XXXX ( XXXX XXXX ), which will put our credit history in late payment and accrued interest and penalty!!! 
On XX/XX/XXXX, we received another SUSPENSE NOTICE for {$6.00} ( including penalty and interest ), which will put our credit history in late payment and accrued interest and penalty!!! 
On XX/XX/XXXX, we contact the Manager demanding that correct our account according to pour Timely and in advance payments, he refused and he demanded that we pay immediately {$4.00} alternatively he will suspend the payment ( again )!! 
Manger admitted that an error from the company side did occur, yet he still demanded full payment from us!! Alternatively he will suspend the entire full payment for the month and harm our Excellent credit ratings!!!
Product: Credit card or prepaid card

On XXXX {$200.00} & on XXXX {$200.00} & XXXX {$200.00} were taken from my ssi direct express card at XXXX XXXX on XXXX in XXXX, ok.at atm. On XXXX {$120.00} was also taken off card at atm at XXXX XXXX XXXX. I had my card stolen out wallet in backpack with lil notebook with pin # s & passwords. I filed a police report & dispute claim & they said it was denied & won't refund my money that was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Equifax : USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} XXXX : USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance XXXX {$0.00} USDOE/XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****, XXXX   XXXX****, XXXX (Original Creditor: 1XXXX XXXX XXXX) XXXX****, XXXX (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**, XXXX XXXX XXXX XXXX****, US DEP ED XXXX****, US DEP ED XXXX**** and XXXX XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. S 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX This account has been deleted XXXX and XXXX but still remain on XXXX XXXX XXXX XXXX They are not licensed to collect in XXXX XXXXXXXX XXXX They are not licensed to collect in XXXX XXXX XXXX XXXX XXXXXXXX They are not licensed to collect in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them XXXX XXXX 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 I am enclosing a copy of my credit report
Product: Credit card or prepaid card

On XX/XX/19 I attempted to contact the company regarding an unfair late fee and interest I was charged. On XX/XX/19 I had a bill for {$590.00} due and submitted my payment on XX/XX/19, but they did not process or consider processed until XX/XX/19. I was then charged a late fee of {$150.00} plus interest on it. I feel that the {$150.00} late fee is beyond unfair when I have always paid my balances in full. I asked if the fee could be waived and they told me nothing other than why there was a late fee on XX/XX/19 from XXXX XXXX. on XX/XX/19 I was then told the late fee could not be waived because it was waived prior. I re-explained that yes it was waived 2 times before but not to my fault. Previously I had submitted a payment in which you all said that it was rejected from my bank. My bank never rejected it and they wrote a letter stating such and I did a wire transfer for payment immediately to correct while I was out of town. It took you all a while to waive the original late fee which then caused a 2nd late fee and that is why 2 late fees are shown as waived, but due to no fault of my own. The same day they told me that the fee would no be waived I was told I needed to email a separate email to close the account. On XX/XX/19 I sent an email asking for the account to be closed and got a response from XXXX XXXX asking why I wanted to close my account. I told them why and on XX/XX/19 she responded stating she would close the account. Since then I have emailed several times to verify that the account is closed and if the balance was waived or owed or what and I can get no response. In addition if anything has been reported negatively to credit I would like it reversed, as I can no get into my account online and I have gotten no response to verify the account is closed and if they waived anything or a balance is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below information I have found on my credit profile to be incorrect in reporting to all 3 credit bureaus I filled a Identity theft affidavit I could not add them all but they are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 Electric 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: Credit reporting or other personal consumer reports

To whom it may concern, upon further review of my credit report, there appears to be 4 hard inquiries on my report in which I did not authorize or give permission for, nor do I recognize them! 

NOT OF MY KNOWLEDGE OR AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX