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

I requested removal of an old account listed on credit report that was more than 7 years old. The dispute results were that the account was accurate, which I never disputed, and would remain on my credit report. No response from company when trying to contact directly, since I used to work for them. I just want them to delete account since was from XX/XX/2010.
Product: Checking or savings account

I bought a produt online and they refunded my money but chase bank says they sent it back the sender. I called the company and they were so nice and told me to get ahold of you. I contacted the bank they hung up on me 5 times and tod me not to call back. the refund was for {$120.00}. they are so rude and called me stupid. I believe they are holing the money in limbo and refuse to let it go. this has got to stop. theres so much corruption with the banking system it aint funny. I'm on Social Security diability and need money for medication. I believe there pain and suffering damages here. In all my life i never would have dreamed of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX wi, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my account was hacked illegally and {$7000.00} was illegally transferred out of my account on CASHAPP, I contacted cashapp and I gave them my information with no resolution. I filed police report. 
XXXX Case number. 

( 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 redres : for these violations.
Product: Credit reporting or other personal consumer reports

I urge you to carefully review this complaint, as it was sent with genuine concern. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that are not mine. This is deeply troubling and has caused me significant stress and XXXX, knowing my personal information is being misrepresented.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove XXXX XXXX bankruptcy from my credit report after providing documentation several times that it has been removed from XXXX on XX/XX/22 and XXXX on XX/XX/22 due to never taking place or occurring in my name. 
This is inaccurate reporting therefore please remove immediately from Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 2 companies, Assetcare & Capio Partners, reporting the same debt on my credit report. The debt theyre both referring to was initially stated as being started in XXXX ( per the Assetcare INITIAL report ). I disputed the debt from Assetcare about 2 months ago and the debt remained, but the date then changed to reflect that the debt was acquired in XX/XX/XXXX. I tried to then dispute again due to the inaccurate information change, but the debt came back verified. Today, XX/XX/XXXX I got a notification that Capio Partners is reporting the same debt from the medical company. So that leaves both debtors reporting the same debt. I feel like this has to be a scam. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally lodge a complaint against Equifax for inaccurate information present on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain details that I believe to be incorrect. However, I have yet to receive any response or resolution from Equifax. I am providing the following details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$28000.00} I kindly request Equifax to promptly remove the account with XXXX XXXX from my credit report as it is not associated with me. 

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} I believe that the account XXXX XXXX contains inaccuracies that require examination. The reported balance exceeds my recollection, and the account was labeled as closed, implying that the Past Due amount should not be presented. I intend to resolve this matter directly with the creditor. To facilitate this, I kindly request Equifax to label the account as disputed while I work toward a solution. 

Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} The account with XXXX is inaccurately reported with an inflated balance of {$1100.00}. This amount does not align with my records, and the stated Past Due amount contradicts the account 's closed and charged-off status. I intend to liaise with the creditor to rectify this discrepancy. Until a resolution is achieved, I kindly request Equifax to label this account as disputed. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} The account with XXXX XXXXXXXX was never late, and I urge Equifax to promptly correct/update this erroneous information on my credit report. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$800.00} The account with XXXX XXXXXXXX also maintained a record of being never late. I kindly request Equifax to rectify/update this inaccurate information on my credit report.
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 XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax and XXXX at least 10 times already regarding this account and they came back verified. 

Here I attached Evidence this account can not be verified. This is a copy of the response I got directly XXXX XXXX XXXX. They have nothing on file and directed me to speak with XXXX XXXX. I already contacted XXXX ( XXXX XXXX XXXX ) through the CFPB who had nothing on file and already withdrew their claim to this debt and stopped all collection activity so tell me how can Equifax and XXXX verify this?. Now if neither XXXX XXXX XXXX  nor XXXX XXXX has anything to verify this claim HOW IS IT POSSIPLE EQUIFAX VERIFIED THIS ACCOUNT? THIS IS FRAUD AND I WILL BE SUEING IF THIS IS NOT REMOVED IMMEDIATELY. XXXX already deleted this account months ago. 
Check the attachments to see XXXX XXXX  withdraw claim months ago and also a letter from credit bank as well recently stating they have nothing and should contact XXXX funding since the account was sold to them. Its impossible for Equifax or XXXX to verify this account since neither company can verify when I contacted them directly. 
Remove this account right away, this is a fraudulent entry on my report and both Equifax and XXXX are breaking the law and committing repeated FCRA violations. 
These credit reporting agencies are willfully defaming and will be suing to the full extent I'm allowed for damages to my financial well being. 

XXXX XXXX XXXX XXXX is an unverifiable account and must be removed immediately.
Product: Student loan

As referenced in Complaint ID XXXX, Mohela has failed to process both forbearance and an IDR plan in a timely manner, leading to having payed close to {$1000.00} despite my financial situation changing drastically. To compound on this, the customer service is unreachable. Their automated phone customer service agent can not verify my social security number despite having been serviced by them for years, and when it finally verified my account number after several CORRECT attempts, I've been placed on hold for exorbitant amounts of hours -- to the point where it would dominate entire days simply to talk to a human being that works for the company. 

After all of this in my previous complaint, I was forced to pay yet another {$430.00} to my loan payments while in limbo, and on top of that, they are charging me an EXTRA {$430.00} in late fees despite paying the loan on time. My payment was due on XX/XX/year>, and I made my payment XXXX XXXX on the same date, yet the website attempted to automatically double my payment in these late fees. 

I understand bank and card processing times but I am unsure how I can be charged late fees before the day even finished. If I had not done my research, I would not have been able to pay my loan payment+fees and would've potentially be put into a situation where I'd have to consider bankruptcy. I tried to manage this situation by applying for an IDR and forbearance, but that's an entire separate complaint. 

IN SUMMARY : I am being charged late-fees before my payment date has even finished, despite having already complained about my payment price and applied for both forbearance and an IDR plan -- but have not had these processed in a timely manner and can not reach their customer service despite devoting days to attempting it. Seriously considering legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my Experian RentBureau report sent to me via mail.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but had 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: Credit reporting, credit repair services, or other personal consumer reports

There has been an incorrect fraudulent balance on an old vystar account the balance is supposedto be XXXX and permanantly removed from collections. The account got hacked since my socialsecurity and id got compromised and some fraudulent charges were made in the amount of {$2700.00}. I have over 100 hours on the phone with the company and they continue to be non-compliant in helping a customer resolve the matter. This need to be removed immediately as i will not be responsible for charges i did not consent to. And also they have the wrong address on file.
Product: Credit card or prepaid card

Back in Early XXXX I got approved for a credit card by Capital One, their XXXX XXXX. However around late XXXX, early XXXX of that same year they closed my credit card without any notification or explanation. That was the first incident, the second incident happened this year XXXX, I applied for a XXXX XXXX XXXX and was approved for it around late XXXX, early XXXX, even made the {$49.00} deposit that was required. I received the card in the mail and activated it. I even called to verify and the e representative told me it was active. Come to find out it was never activated and it was closed again, without any explanation from their representative, Ive tried in multiple occasions to get an answer and I just get passed around. I have yet to receive my {$49.00} refund as well.
Product: Credit reporting or other personal consumer reports

I had a vehicle repossessed by XXXX XXXX in the amount of {$5800.00} as well as a personal loan for {$4300.00} and both loans along with my personal information were sold to the creditor LVNV Funding. That was then sold to another creditor. My personal information was leaked to the dark web and I believe I have been a victim of identity theft. My personal information keeps getting passed around to different companies. Per Section 605B of the FCRA Id like these items and a few others removed. Please see attached documents.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported by Netcredit on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). I have verified this incorrect information through copies of my credit report obtained from the major credit reporting agencies.
Product: Credit card

I noticed a fraudulent transaction on my XXXX XXXX XXXX XXXX XXXX account with Barclays Bank Delaware, on XX/XX/year>. The transaction, totaling {$3000.00}, was not authorized by me. I immediately reported it to the credit card company on XX/XX/year>. After their initial investigation, they concluded that the charge was legitimate, a finding with which I strongly disagreed. 

I requested a re-investigation and provided all necessary information to support my claim. Despite my repeated follow-ups, the re-investigation has been dragging on for XXXX weeks, with no resolution in sight. The company has been unresponsive and has not provided me with updates on the status of my case. 

This ongoing delay has caused me significant stress and concern, especially regarding potential damage to my credit score. I am filing this complaint because I believe the credit card company has failed to properly address and resolve the issue, and I am seeking assistance from the CFPB to ensure that a thorough and fair investigation is conducted and that the fraudulent charge is removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted them about this issue before. I got no response. this is harming me from getting a apartment. I asked from any documents besides a Id and to see my signature or anything that supports this being on my report no response.
Product: Debt collection

So this debt was posted to my credit report before I ever had a chance to verify the information. And its also illegal to post to my credit without my permission, the company has responded saying the initial letter was sent to XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX. This has never been my address, so with that being said I never got the chance to dispute the matter before it being posted to my credit. So I would like it to be removed. Or even a pay to delete because this wasnt fair for it to be posted to my credit without my knowledge. This is why it was disputed in many different ways before filing a complaint because I wasnt aware of why this debt was being posted to my credit report or if it was in fact mine.
Product: Credit reporting or other personal consumer reports

There was an account opened up in my name, and I have no recognition of this account. It does not belong to me. It belongs to someone else.
Product: Checking or savings account

Went to deposit money in the ATM machine. As soon as I inputted my cash into the slot it produced an error ( took photo ). The machine said to call the number and it would print out a receipt to this. Machine did not put out a receipt nor could I get a hold of anyone related to this matter during this time. Finally spoke to someone in tech support so informed me they couldn't do anything and I would need to call the card department in the morning. Called and was told the money would appear in my account 12 hours from now ( Reference number : XXXX ). Money has yet to appear in my account. I have bills to pay so these is causing a financial burden on me and bank is not crediting me for the money i deposited. Bank has unjustly enriched themselves and continues to operate the same faulty ATM machine. This machine is located inside their branch so there are cameras to prove this traction. I also took a picture of this error as to shoe the error and the exact, time, and location this error occurred to prove this money was deposited. The bank knowing this information to be true continues to pray on people. 
Once this occurred. I contacted bank first thing is the morning. Bank promised to put funds within 12 hours in my account. It has been over 36 hours now.
Product: Checking or savings account

I checked my account first thing in the morning as I was waiting on two seperate deposits to hit my account. When I checked the account I seen the deposits had posted. A few hours later I went to withdrawl funds and noticed the amount was off I pulled what I could and contacted the bank. I spoke with one representative who claimed the deposits never even happened even though I insisted I was currently looking at the account and seen them then withdrew some of the funds so I know the deposits had posted. He then told me that he couldn't hear me to help despite this not being an issue prior. He told me that there was nothing he can do as the deposits weren't there and got increasingly more rude as I advised the deposits went through so I asked for a supervisor. The supervisor repeated that the deposits never happened then magically advised she sees them and that the funds were not available because I spent the money prior to it hitting my account. I advised her that couldn't be the case as if that happened I would not have been able to withdrawal any money that morning. She then changed her account of my transactions but was still providing inaccurate information and advised me she was just reading the transactions on my account I advised her she was skipping transactions which was my issue how am I supposed to believe what she is saying if I know for a fact the information she is providing is inaccurate she then got rude and advised I should go to a branch then if I don't like the information that she is providing. I let her know I would like to file a complaint and she still didn't offer further assistance but instead continued to ask me if I would like to go to a branch to talk with them and when I again told her I'd like to file a complaint she then kept repeating that she couldn't hear me. It was extremely frustrating to try to get answers and be talked down to and have people I trust with my money unable to answer questions about transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Navient about credit reporting for XXXX of XXXX showing inaccurately. I requested an investigation XX/XX/XXXX. I was notified today there were late payments in XXXX that were inaccurately reported those would be removed. However XX/XX/XXXX would not. This loan should have been in forbearance at the time the late was reported. I requested documentation for the forbearance and was sent another borrowers information which was a violation of privacy. I did dispose of those documents due to them not being mine. I had a situation like this before and when I disputed it was removed from my credit because the info was inaccurate. This is causing a strain on my credit and should not be there. I have tried numerous times to get this info corrected with no resolution. 

XXXX inaccurately is reporting a debt that was covered by insurance. I also have never signed a contract with this company and believe they violating HIPAA laws. 

XXXX is inaccurately reporting a debt I received a bill for {$530.00} XXXX disputed it with the credit bureaus and then got notification from the credit bureaus the debt was updated to {$2100.00}. I asked what is this about and they are staying the insurance company reverse a payment. I called the insurance company and they stated this is incorrect and they have no record of this. I have attached the initial bill that I have been fighting to have removed. The debt is inaccurate
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 the information is inaccurate.