23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted via XXXX XXXX by a scammer XXXX XXXX who scamming partner XXXX XXXX worked together to scam me. 
I got proof of the email messages and messages through XXXX that was sent to me. 
I got proof of the messages that was sent to me on signal messenger to. XXXX XXXX instructed me to send {$100.00} by XXXX to XXXX XXXX who is a scammer himself. 
I wrote XXXX back in XXXXXXXX XXXX  letting her know I wanted to cancel with her because she is a scammer. I asked XXXX XXXX for a refund. XXXX promised me a refund in the XXXX messenger chat. I never received a refund from her, and she kept the money that I sent to her. I contacted Cash App on multiple times about the issue with me being scam by XXXX XXXX and XXXX XXXX. Cash App refused to file a claim and help me get my money back. I told Cash App that I was scammed by these two people. Cash App is a XXXX  Corporation there is no way they shouldn't be helping their customers. Cash App has a lot of complaints similar to my complaint by other people. I'm very unhappy with Cash App Corporation. Cash App should have taken action against these scammers and help their customers. Cash App should have helped me since I've been a customer with them for years. Cash App President needs to investigate this complaint. Cash App is a failure because they failed to help me with my dispute to get my money back from this scammer. I used Cash App when I got scammed by those people from XXXX. I will be willing to go to the news media and XXXX about my complaint against Cash App for not helping me, get my money back from the people wo scammed me. Cash App denied my dispute either though I told them I was scammed by those people who I sent money to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX to discuss outstanding balance. They had a man tell me that I could qualify for student loan foregiveness through Timemark Solutions. They obtained information verifying my personal information, stated I no longer had to make payments to XXXX but that I had to cover a XXXX dollar deposite to get the account started. I gave them my bank account and routing number and they withdrew XXXX on XXXX XXXX, 2017 with the next w/d to be done XX/XX/XXXX, XX/XX/XXXX. I have come to find that this is in fact not a real site and I gave them my FSA ID number, copies of my payment stubs from my hospital, references for my family with their address '. I do n't know what to do from this point on as they have very detailed information. I am cancelling the transactions from the bank but am deeply concerned about the personal information they have of mine.
Product: Credit reporting or other personal consumer reports

Today, I noticed some incorrect accounts appearing on my credit report, and I have no explanation for it. I check my report regularly, but this time, I found errors that hadn't been there before. I attempted to refresh my browser, assuming it might be a temporary glitch, but the mistakes did not disappear. Because of this, I ask that my submitted documents be carefully reviewed to ensure I never have to deal with this concern again.
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 using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I sent money to someone for concert tickets and they never provided the tickets, and my money was not refunded by Zelle or by my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I was at XXXX XXXX  inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 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 date.

XXXX 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
Product: Checking or savings account

I contacted XXXX XXXX XXXX to dispute a charge on my account from XXXX on XX/XX/XXXX. After a week, I found out that the dispute was never processed. So on XX/XX/XXXX another agent filed the dispute. The total amount of the charge was {$870.00} but I only asked to dispute {$400.00} of that charge. I was told that I would receive a letter in the mail from Capital One about the dispute and for me to send in any related docs I had to help the case. I never received anything, but 3 weeks later I get a notification on my phone that I had a deposit to my checking. The notification was that I received a deposit in the full amount of the disputed charge. I immediately called XXXX XXXX XXXX   and spoke with an agent and she informed me that XXXX credited my account. I asked her several times was this a provisional credit or a permanent credit and she assured me that it was permanent and that I did not need to take any further actions because XXXX decided to reverse the entire amount. Of course I was happy until a few weeks after that, I received a letter from Capital One stating that they were going to close the case because the merchant provided docs proving that the charge was valid. Again, I called Capital One to ask why I received this letter when I was told the credit was given from XXXX. A gentleman told me that the letter must be an error, but the credit from XXXX is a permanent credit from XXXX and that they can not reverse it. I asked him over and over again, was the credit a temporary credit and he ensured that it was NOT and that I can disregard the letter. Yesterday ( XX/XX/XXXX ) I receive ANOTHER letter from Capital One stating again that they are closing the case because the merchant provided docs saying the charge is valid AND that Capital One is reversing the temporary credit that was given on XX/XX/XXXX. So I called back to Capital One and NOW they are telling me the credit was only temporary. I am now VERY angry because this whole process was handled incorrectly! 
1. Capital One processed the dispute for the incorrect amount 2. I never received any letters from Capital One asking me to send in anything related to my case. 
3. I was told from 2 agents the credit that was on my account from from XXXX and NOT Capital One and it can not be reversed. 
4. I now can not escalate my dispute with XXXX because the t/f to continue the dispute with them has passed.
Product: Money transfer, virtual currency, or money service

I'm complaining about Cash App ( Block, Inc. ) because of their unjust methods and poor customer service, which are under the Consumer Financial Protection Act ( CFPA ). In particular, Cash App left my account exposed and unsafe by failing to take prompt and appropriate action to stop and handle fraud on their platform. Additionally, because they failed to adhere to the Electronic Fund Transfer Act 's ( EFTA ) and regulation E 's error resolution standards, their dispute resolution procedure was unfair and misleading. I demand adequate remedies for these infractions, which have resulted in significant financial loss and inconvenience.
Product: Debt collection

I received a payday loan in XX/XX/XXXX for XXXX. I received a default judgment on this loan in XX/XX/XXXX for XXXX. I was not notified of a prior court date or given a chance to object or settle this debt. I contacted the third party ( attorney ) who allowed me to make a payment arrangement on this debt. I paid a total of XXXX on this debt. I then fell behind on my payments due to absence of work. The attorney then filed an order in court for me to turnover after judgment with out crediting the money previously paid. The attorney also refunded one payment in the amount of XXXX to block me from paying off my debt. This attorney has used bullying, unfair and unethical tactics to get me to pay significantly more than what is owed. I feel hopeless and helpless. Please help.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024 & XXXX XXXX XXXX Date of Inquiry XX/XX/2024
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report. ACCOUNT NAME : NCA- {$300.00}. 
Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted NCA and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act. I would like it removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.

all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent the Bureaus a letter in dispute of INACCURATE/ FALSE reporting I found on my credit report. I feel that these accounts are adversely affecting my credit report and because of it I pay thousands in interest every year. I need this problem fixed ASAP I will not wait another 45 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. 

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I'm also a victim of the XXXX Data Breach, you all are violating my rights as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an forthright answer from Mr. Cooper about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to Mr. Cooper and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX Mr. Cooper and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call XXXX  XXXX  as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked real time solutions several times to remove an account on my credit report that is showing open. This should be closed as it was after my bankruptcy discharge. This has affected my credit score and lending applications greatly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for the improper investigation of false information affecting my credit report
Product: Payday loan, title loan, or personal loan

I have sent multiple letters and made several phone calls to this company with no results. In XXXX I received a Line of Credit loan from XXXX XXXX line of credit. This line of credit was based on a REVOLVING line and interest rate. Several years into the loan it was sold to a company called Zelkova Acquisitions LLC.  My payments were based on the amount borrowed and the interest rate. I want to stress that this was NOT an installment loan but rather a revolving line of credit. The law REQUIRED the Zelkova honor the full terms and interest rate of the original agreement with XXXX. As my balance was approximately XXXX dollars my monthly payment was essentially the same save a few dollars each month as I was mostly making an interest payment. 

In XXXX of XXXX I made a significant payment to the account which reduced the balance on the account by almost {$10000.00} dollars. As such, the corresponding monthly payment should have come down dramatically based on the interest rate that would have been applied to the then smaller owed balance. Yet for MONTHS after this occurred I was still charged the same amount as I had been paying for the prior balance of roughly {$14000.00}. I made multiple requests of Zelkova to remedy that situation only to be rebuffed. When I explained clearly that the account was a REVOLVING Line of Credit that it was not only improper but it was in fact ILLEGAL for Zelkova to bill be a set amount each month. My payment was based on the amount of money owed applied to the interest rate, logically then if I owed XXXX dollars at X amount of interest the payment would be dramatically less if that same interest rate was then applied to a remaining balance of let 's say XXXX dollars. I tried to no avail to explain to Zelkova that they were charging me hundreds of dollars in interest that I was NOT obligated to pay based on the new smaller total balance. I feel that Zelkova owes me hundreds of dollars back due to overpayment of interest based on their fraudulent billing of my Line of Credit over the last 6-10 months of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the recent hack of Equifax, resulting in my information being distributed to the hackers/unknown parties and now my identity and credit being at risk of theft for the remainder of my life.
Product: Debt collection

On XX/XX/2016 at approximately XXXX, my mother in law contacted me to tell me that a bill collector called her and threatened to take her to court and garnish her bank account over a bill that my husband and I owe. We have never put our mother in laws name on any bills that we have. She was hysterical believing that this would happen over our bill to her. She gave me the following telephone number XXXX which I called finding out the company 's name is Diversified Consultants. I asked them why they would call an individual who is not on our account and disclose personal information at which time I was told that the individual responsible would be reprimanded and that the phone number was taken off of the account. I asked them how they got her telephone number in the first place since she is never on our bills at which time I was told that the individual may have looked at different phone numbers to find a family member. I was then asked if I wanted to take care of the past due amount where I flatly answered no.
Product: Credit reporting or other personal consumer reports

Please I want this information to be deleted from my report since it greatly affects my status. I have a lot of problems with this.. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did an investigation recently on my credit report, and I found multiple negative items on my credit report that seem to be reporting in error or placed on my consumer file by mistake. I have done my own investigation and come to the conclusion that, these the following items do seem to indeed be reporting falsely and inaccurately. Please remove these items as soon as possible, as this is damaging to my credit worthiness, and inaccurately reporting to my consumer files making it hard for me to obtain a housing lease.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Money transfer, virtual currency, or money service

My account was apart data breach affected & along with wrongful termination
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$420.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.