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

In accordance with the Fair Credit Reporting act. XXXX XXXX /XXXX  equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 : 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. 16815-2 ( 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. XXXX XXXX Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX illegally reports to XXXXequifax that my account is still valid and refuse to request account removal after settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I've asked Transunion to remove & verify with the original source of a bankruptcy being reported on my credit report that was not verified by the original source, which is the XXXX XXXX bankruptcy courts and also to send me proof that they verified this information through the original reporting source and they have not done that to this very day and I've also Submitted complaints and letters for the past four months since XX/XX/year> and to this very date and I have proof of letters that I have submitted to them and got unfavorable response back from them in regards to removing a bankruptcy off of my credit report that's unverifiable.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX CONSUMER XXXX D.O.B. :XX/XX/XXXXSSN : XXXX ID TYPE : DRIVER LICENSE ID NUMBER : XXXX ADDRESS : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  TEXAS XXXX EARLY WARNING SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Consumer Report. I have NEVER opened or used any of the following account numbers : BANK NAME : XXXX XXXX XXXX XXXXXXXX ( DATE OPEN XXXX ) ACCT # : XXXX ROUTING # XXXX BANK NAME :XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPEN : ) XXXX ACCT # XXXX ROUTING # XXXX BANK NAME : XXXX XXXXXXXX XXXX XXXX DATE OPEN ) : XXXX ACCT # XXXX ROUTING # XXXX I dont recognize the following accounts in question. I am a victim of identity theft, and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning Consumer Report immediately. I attached a copy of the report to this request. 


Warm Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX IN CO neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX IN CO. I have the right to demand and see the contract between XXXX XXXX XXXX IN CO and myself! Please send the proper validation
Product: Student loan

I uploaded, through my account on the XXXX website, an application for Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF, on XX/XX/XXXX. Knowing Fedloan would deny my application for PSLF, I sent an email, on XX/XX/XXXX, to XXXX and requested to be reconsidered for loan forgiveness using the TEPSLF criteria. 

On XX/XX/XXXX, I received a PSLF denial letter through my inbox on the XXXX website. And on XX/XX/XXXX, I received a PSLF Qualifying Payment Update letter summarizing my qualifying payments towards PSLF. 

On XX/XX/XXXX, I emailed XXXX and asked for a status update on my TEPSLF application. I received a generic email response from Fedloan, on XX/XX/XXXX, stating, " Once you have submitted your request for consideration for the TEPSLF opportunity, please allow 60120 days to receive a response regarding your eligibility ''. 

On XX/XX/XXXX, I sent an email response informing Fedloan it has been 154 days since I submitted my TEPSLF application. And asked if there is any additional information they could provide- if someone was currently reviewing my application and if they are waiting on additional information. On XX/XX/XXXX, Fedloan responded my account is currently under review with the Department of Education and may take up to 120 days to receive a response. 

It has now been over 200 days, as of XX/XX/XXXX, since I submitted my application and I have not received any information from Fedloan regarding my TEPSLF application. Because of the many customer service troubles I have encountered throughout my history with Fedloan, I am concerned my TEPSLF application is in a perpetual status of " currently under review ''. 

I would greatly appreciate any assistance you could provide to me regarding my TEPSLF application. Thank you!
Product: Debt collection

Its hard to put into words how overwhelming and stressful this situation has become. One day, I wake up to find a debt on my credit report that I have no knowledge ofcompletely unverified and not mine. Since then, Ive been subjected to constant harassment through various communication channels, each with different tactics, and even threats of legal action. Its deeply disheartening and frustrating as someone who has always abided by the law. This entire ordeal has impacted my mental well-being, leading to sleepless nights and constant anxiety. As a consumer, my rights are being violated, and its unacceptable.
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. I had a loss of financial resources, and money that was needed. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Personal Statement inquiry details with dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -XXXX  XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : XXXX XXXX XXXX XX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, FM/FIRSTMARK SERVICES keeps charging me late payments on my student loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.
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. 


Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : TN CHILD SUP # XXXX Account Name : XXXX XXXX # XXXX Account Name : U S DEPT OF ED/XXXX # XXXX Account Name : US DEPT ED # XXXX Account Name : 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: Checking or savings account

I closed a checking account from Chase bank in XX/XX/XXXX over the phone. They said they would mail me the remaining fund through a check. The check never arrived. I tried to resolve this over the phone, and visit the local bank branches many times. Now it's XX/XX/XXXX and I still haven't get my remaining fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX OF XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX XX/XX/XXXX {$320.00} AXXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Mortgage

Twice, a loan modification was prepared and twice, Not only did I not apply for one as a person on the mortgage but Specialized Loan pushed the modification through twice- both without my signature and or knowledge. The perpetrator most definitely is Specialized Loans as they committed bank fraud.

The 1st modification in XXXX - modification was approved by Specialized Loans without my signature- How did the underwriter allow this? 


The 2nd modification in XXXX, both parties were not privy to this. As 1 ) my husband past in XXXX and 2 ) again- no knowledge, no communication to me but XXXX XXXX XXXX She did not have the authority to apply for a loan modification on a mortgage that I was responsible for ... Again - Specialized Loan approved the modification - and AGAIN how did an underwriter allow this?

Who committed the Fraud? Specialized Loan or the Underwriter?

As this point, I believe I need to reach out to the Banking Commission, & Secretary of State.

My loan should go back to XXXX and payments will resume. In XXXX,3 payments were not accepted by Specialized Loan - In good faith - payments were made and not accepted by the lender. There is something seriously corrupt here.
Product: Payday loan

I am writing a complaint against Gold Star Finance in XXXX XXXX, TX. I recently sent them a certified Cease and Desist letter with the help of my financial counselor after a hardship I am experiencing that has caused me to default on a loan. I can no longer pay them as I only have {$800.00} a month in Social Security to live off of. This morning I was harassed over the phone from Gold Star Finance & gt ; They stated they were sending someone over to my house. Also when my home health provider tried talking to them over the phone to let them know it was not necessary they threaten to call XXXX on her because they claim I am being abused by her. I am afraid for my safety. My Financial counselor and I made a police report over the phone and this evening an officer will be coming by my home to take the rest of my report against Gold Star. I know I owe them the money however I can not afford to pay them. I was paying them up until last month however because I paid them I fell behind my utilities and had to get assistance through community resources to keep my electricity from being cut off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that there was a change on my credit report. I went to investigate and saw a delinquent account named XXXX XXXX XXXX XXXX  XXXX that showed I owed XXXX dollars and that it was in collections. I had never received any notice or invoice or bill or anything about the account or what the charge was for or anything. I had never and still have never received anything about it. I opened disputes through both TransUnion and XXXX  with having no knowledge of the account. Both disputes came back showing verified as accurate with no other information. I reopened the XXXX  dispute to dispute the amount and account itself and that also came back as verified as accurate yet again with no info about what the charge is for or how it originated or why I never received any notifications about it at all before it was in collection. I am in the process of buying a home and this one new item dropped my scores by over 60 points and has no jeopardized my ability to buy my home. Upon calling the 800 number on the report and speaking to the company they couldn't do anything to rectify the situation except demand that I pay the amount and that they would then have it removed from my credit report within 3 months which is simply unacceptable. They didn't offer any chance to dispute the charge and told me they are simply collecting a debt. How is this even legal and why don't I have any rights or options?
Product: Credit reporting or other personal consumer reports

So after Initially sending a letter to remove any derogatory information they had provided to my credit agencys after I got your company involved they answered your request and Intially send something which then did increase my score back to what it was before, then a week later they then turned back around and resent the derogatory false reporting back to my credit report which then lowered my score for the second time by reporting false information that I didnt make my payments on time which I have proof of every payment paid as agreed however they literally re reported the derogatory information to ruin my credit score for the 2nd time in a couple of weeks then they also sent me a notice today saying due to my credit history they are now lowering my limit by over XXXX dollars on one of the accounts due to my credit profile history which now makes it look like Im way above my credit limit and hurts my score even more! This company needs to be dealt with immediately as they are destroying my credit and playing games with my life which isnt professional at all as this is seriously hurting my credit score I have proof of the Intial time they sent to the credit agency the removal of the derogatory and then today I get the same report back for the exact same deroga which then lowered my credit score again this needs to be removed immediately and I need your protection as this was sold to me initially as a credit card which then turned into a line of credit then because I had such good history they gave me another account which I wish I would have never accepted and it was so misleading! But all I want is for them to remove the false information that they have no 2 times reported against me for the same thing after removing it then for no reason re reported the derog to hurt my score again There hardship program is misleading because although you make the payments that they tell you that you will need to make your balance doesnt go down at all and this cant be right after 6 months of making payments on both accounts niether accounts balance dropped not even XXXX dollar. Please consumer finance.gov please help me as I have proof of everything and these people are predatory lending and making false claims to the credit reporting agencies to destroy my credit score!
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 lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant issues with the platforms practices. 

I have used Zelle numerous times for transactions, and on multiple occasions, I have reported discrepancies or issues related to transactions. However, despite my efforts to seek assistance, my financial institution and Zelle have failed to adequately investigate my claims. I was informed that recovering lost funds is impossible and that tracking these transactions is unfeasible. This response, unfortunately, leaves me feeling unsupported and exposed to risk. 

The recent CFPB findings reveal that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams and fraudulent activity. This lack of accountability and transparency is concerning, as it undermines the trust that consumers place in the platform. 

I strongly believe that Zelle must take immediate steps to address these issues and improve its dispute resolution processes. There needs to be greater transparency and consumer protection, especially given the increasing risk of scams and fraud within the system. It is imperative that Zelle enhances its investigative procedures, strengthens its security measures, and ensures that consumers are not left to bear the consequences of fraud or errors.
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. 
Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C.

1681c-2. '' XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Not only did it take months for them to correct a clear dispute for over {$1000.00} they were advised card was lost stolen and account compromised never had any issues they closed the account despite having been provided with bank memo reps stated this was being corrected And reopened yet it has not been as of yet
Product: Money transfer, virtual currency, or money service

PayPal emailed me from XXXX an invoice for {$690.00}, but I never ordered such an item costing that much and haven't used PayPal for over a year.