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

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Student loan

I called my lender, Navient, because my interest only program was up and my payments shot up. I was on maternity leave and could not afford it. I called and they said that because of my billing cycle they could not process it for that month. I paid for my last month of forbearance and called when they told me to change back into the program. I called back to enroll and though the agent confirmed enrollment I was not enrolled. I called back to get it straightened out and was told I never made the request. I pointed out that they record calls and all of a sudden they find my request but it is again not timely. I spoke to XXXX different people ( finally spoke to someone not in a foreign county ) and they said they can not process it till the next month. They refuse to fix their mistake and when I finally have them process it they say it will not process to the month XXXX people just told me of but the month after that. Fraudulent statements by several people. One mistake I could understand but this is not the case. They are purposely making it so that I can not make my payments to try and collect the entire loan from my cosigner. Impossible that a company has no oversight or ability to correct their own mistakes.
Product: Credit reporting or other personal consumer reports

My credit report was pulled. By XXXX credit applications I never applied for a car for.
Product: Credit reporting or other personal consumer reports

There has been repeated incompetence and issues with this account being serviced with XXXX. The account was paid in full on XX/XX/year>, XXXX failed to report the account as paid in full still after the legally allotted 30 days. When I brought this to their company/department 's attention along with providing SUFFICIENT supporting documents, XXXX was able to submit corrections to the credit bureau overnight XXXX however, did so erroneously. On Transunion & now XXXX, the account now reflects " closed, paid, and 100 %, '' however, the account was also erroneously flagged as 30 days past due subsequently resulting in a credit score drop of XXXX points. All due to erroneous reporting and incompetence. I've been working on my credit paying off bills after falling behind, and this XXXX point drop has severely erased all hard work. The account itself on TransUnion reflects 100 % payments made on time, along with it being paid/closed, yet they reported it 30 days late out of nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX XXXX CBE Group is reporting a debt on my credit file that is not owed. I recently pulled my credit report and noticed that these debts are on my credit. I called the hospital directly and applied for financial hardship with them and took care of these debts through them. CBE however, is still reporting the debt on my credit file for something I no longer owe. This is erroneous and all accounts I had with them need to be removed. The debt has been solved and should no longer be reporting on my credit.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2700.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00}, XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$200.00} XXXX  Account # XXXX date opened XX/XX/XXXX ba. {$160.00}, XXXX XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting all failed transactions and attempts to get money back, my financial institutions failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable for scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports from XXXX XXXX and equifax and noticed erroneous accounts that need to be immediately DELTED/UPDATED. Clearly outlined in 15 USC 1681, and more specifically 15 USC 1681s-2 and 15 USC 1681e ( b ), please update my personal information. Also, Pursuant to 15 USC 1681c-2 There are inquiries and accounts that I DID NOT originate nor authorize to be posted on my consumer report that need DELETING immediately on clear grounds of identity theft. DELETE NAME : XXXX XXXX XXXX from XXXX XXXX and Equifax. ADD NAME : XXXX XXXX XXXX to XXXX, XXXX, Equifax. DELETE AKA from XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE PREVIOUS ADDRESS : XXXX XXXX Story Ave. Equifax- XXXX Story Ave. Experian- XXXX XXXX XXXX, XXXX ma XXXX XXXX DELETE additional INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX. DELETE ACCOUNTS : My Community CU XXXX XXXX XXXX XXXX XXXX. SEE ATTACHED FTC COMPLAINT.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress Of these crimes
Product: Consumer Loan

I paid off my 2012 XXXX XXXX with XXXX XXXX. I did a Bank Transfer to XXXX the same way a paid my payments each Month. The money was deposited into their account on XXXX XXXX. They will not send me the Title to my car until XXXX. I gave them my XXXX number to overnight my Title and they refuse. They are paid in full. I want my Title. I sold the car and the buyer is really mad! He wants the car.
Product: Debt collection

About 7 years ago, I had a 2 year contract with XXXX with only a couple of months left to go when the phone stopped working due to an internal software issue and nothing I had done. Even though I had been paying for full coverage insurance every month for almost years, they wouldn't cover my phone because it had a small Crack in the corner of the screen. When I told them to fix the phone and don't worry about the Crack, they said it didn't work like that. They don't really fix your phone, they trade you for another one. So in order to do that your phone has to be in perfect cosmetic condition. Not only did they not validate my insurance, but they wanted me to pay hundreds of dollars for a deductible, to fix the phone, AND they wanted me to pay the monthly bill for a phone that didn't work. I told them I'll just go get a prepaid and cut my losses, and they told me I would also have to pay money for " breaking my contract ''!!! XXXX refused to help me resolve this issue in any way, then they sent it to collections where it has been ignored for years waiting for it to fall off my credit report. Only now there are XXXX XXXX accounts with 2 different numbers and two different amounts! One of them isn't mine, and the other should be erased out of decency!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate unverified information on my credit report. XXXX and Experian stated upon investigation verification by XXXX. XXXX verified the disputed Information was unverified and deleted yet XXXX is still stating XXXX verified the information.
Product: Checking or savings account

On XX/XX/XXXX, I checked my Bank of America prepaid account balance through the app and seen a withdrawal saying Bank of America for {$980.00}. I called Bank of America to see what it was and was told that it was a withdrawal at a Bank of America atm at XXXX XXXX at XXXX XX/XX/XXXX. It appears someone was able to check my balance, and then withdrawal {$980.00} from their atm. However, I never lost my card!! I was home all day and left twice to get fast food and then give my brother in law a ride home. I have surveillance inside and outside of my house to show that. I filed a claim on XX/XX/ because it was too late to file one the day I found out. So I filed my claim and waited to hear back.. OnXX/XX/XXXX I received a letter in the mail dated XX/XX/ saying my claim was closed? I called the number provided to speak to someone and was told that I was liable? I don't understand how an investigation was even done when it was opened and closed in one day? It was their atm. They could easily view the atm footage. I've even asked how to get the footage myself, so that maybe if I recognized the person, I could help with the investigation. But I was told by the representative that she didn't know how to go about getting that. The paper sent also says I can request the documents that they replied on to make their decision.. and what a surprise, she didn't know how to go about that either? The only thing she said she could do is reopen the claim and note that in the email sent to the next department who handles that kind of stuff.. and she couldn't give me a timeframe to expect to hear anything back. So I'm suppose to just sit here and wait and hope that someone gets back to me. This is ridiculous!
Product: Mortgage

I 've been trying to close on my property and have a willing buyer. Time is of the essence and I am also in bankruptcy so I need it to close. I have asked green tree to submit payoff information multiple times. I made a payment in this loan XXXX XXXX, 2015 and asked for a payoff for XXXX XXXX at that time. It 's the XXXX of XXXX and their attorney does not have it and I have not received it nor did my title company. I 've called multiple times. I 've emailed them. What else am I supposed to do? They act like time is not of the essence, yet they are the first to send threatening letters when they do n't get a payment. They have no clear way of ordering a payoff or knowing that the order is being processed. The end result if I do n't get this payoff by tomorrow is I 'm going to loose my buyer and the property will go into forclosure all because I 've been trying to contact them to get a payoff that they do n't seem to want to provide or are too incompetent to know what to do. How is it that I have spoken with XXXX different people at green tree and none can give me an answer about my payoff? Do n't they want the property to close? Is time not of the essence for them in this real estate transaction? this company is about the most incompetent financial institution I 've ever dealt with and certainly do not have customer service as a priority. You would think they would have payoff information at their finger tips.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a recent data breach that compromised my personal information. As a result, fraudulent accounts and unauthorized credit inquiries have been added to my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my report. 
Fraudulent Accounts : XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$3000.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$680.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$740.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX XXXX  - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$41000.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$20000.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$7800.00} XXXX. XXXX XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$440.00} XXXX. XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$4400.00} Fraudulent Credit Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Verification and Removal of Late Payment Entries Dear Sir/Madam/To Whom It May Concern, I am writing to formally request the verification of the late payment entries posted on my credit report by XXXX. According to my records, there have been several instances of late payments reported on my account.

Under the provisions of the 15 U.S. Code 1666b and 15 U.S. Code 1637, I request that XXXX provide detailed tracking numbers for each instance where a late payment was reported. Specifically, I need documentation proving that each periodic statement was mailed or delivered to me at least 21 days before the payment due date. This request includes the following information for each late payment entry : The date the statements were mailed or delivered. 
The tracking numbers for the statements Proof of delivery confirming the statements were received at my address Procedures XXXX has in place to ensure compliance with the 21-day rule before reporting late payments. 
If XXXX is unable to provide this documentation for any of the reported late payments, I request the immediate removal of those entries from my credit report with each credit bureau ( Experian, XXXX, and XXXX ) as they would constitute a violation of the relevant statutes.

Please treat this matter with the urgency it deserves and provide the requested within 30 days of receipt of this letter. Failure to comply with this request will leave me no option but to pursue legal remedies for violators of the Fair Credit Billing Act and the Truth in Lending Act.

I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Reading my credit report I noticed that there was a negative report, that one of my credit cards had been canceled. When I discussed this with a Menards supervisor she merely explained the policy, and that the account had a zero balance with no recent activity, and left me with no recourse. I would like this negative report removed from my credit report. I was given no prior notice before or after their act. The credit card was issued by Capital One. I filed a complaint with the attorney general and have waited for a response from Capital One since XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has mislead me to apply for credit cards, installment loans and car loans only to get denied. The company claimed I was pre approved each time. I have ao many derogatory marks due to the company pressure to apply with a guaranteed approval to not have anything. Plus the would report my score was one thing. Went to a dealership and my score was almost XXXX points lower. So disappointing and frustrating when your trying to be a independent American. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial Account # XXXX is reporting blatant inaccurate, inconsistencies on my report and according to the FCRA Statutes 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that requiring lost fund would be impossible and that tracking these transactions was unfeasible. The CFPBs 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. The 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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax due to their failure to properly investigate and correct inaccurate information on my credit report. 
Inaccurate Information : My Equifax credit report contains incorrect and unauthorized inquiries/accounts that I did not approve. These items were added without my consent and are negatively affecting my credit score. 
Dispute Process : On XX/XX/year>, I sent a formal dispute letter to Equifax via certified mail, requesting the removal of these inaccurate items. I included all necessary supporting documentation proving that these inquiries/accounts were unauthorized and should be removed. 
XXXX Response ( or Lack Thereof ) : Despite submitting my dispute over 30 days ago, Equifax has failed to provide a proper investigation or verification of these disputed items. The inaccurate information remains on my report, and I have not received sufficient proof that these accounts/inquiries were authorized. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires Equifax to conduct a proper investigation within 30 days. 
Impact on Me : Due to these errors, I have experienced denied credit applications and potential financial harm, as my credit score has been negatively affected. Equifaxs failure to comply with FCRA regulations is causing ongoing damage to my financial standing. 
Requested Resolution : I request the CFPBs intervention to ensure that Equifax complies with federal law by : Removing any items that can not be properly verified. 

Supporting Documents : I have attached my original dispute letter, proof of mailing, and any responses ( if any ) received from Equifax. 

I request the CFPBs assistance in ensuring that Equifax upholds their legal obligations under the FCRA and corrects these errors on my credit report.
Product: Credit reporting or other personal consumer reports

I moved and as a result had to change my internet providers. I was paying on my balance of XXXX every XXXX weeks through the XXXX XXXX. I paid off my last {$100.00} balance on or around the XXXXXXXX XXXX XXXXXXXX. On or about the XXXXXXXX XXXX XXXXXXXX I am notified that a collection account for this provider was added to my credit report. I disputed it with XXXX of the credit bureaus and neither of them removed this information even though it is incorrect. The only thing that was done was update the status to paid but the information was incorrect from the beginning so how was XXXX allowed to put this on my credit report in the first place? It never should have been sent to collections if I was making good faith payments and it certainly shouldnt have been placed on my report AFTER the debt was paid in full!