23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Milestone has injured me XXXX XXXX the natural living consumer by committing fraud and extortion on my social security number by pulling funds from my social security card ( ssn # ) acting as if they loaned me something just to turn around and try to charge me fees, interest and debt! Milestone has used their name with my social security, infringing on my intellectual property, stealing funds and claiming adverse action on a consumer! When in fact there shouldnt be any adverse action on ANY CONSUMER for ALL ACCOUNTS ARE PREPAID IN A CONSUMER CREDIT TRANSACTION. Account ending in XXXX
Product: Credit reporting or other personal consumer reports

Please check the information regarding the equifax breach below in attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I paid XXXX in cash the full amount of an account that was previously charged off. XXXX alleged it notified XXXX of the same on XX/XX/XXXX. XX/XX/XXXX ( XXXX ), I called XXXX to verify if they had been notified of the payoff ; they denied receiving the information. I called XXXX, XX/XX/XXXX ( XXXX ) again asking confirmation of account being paid off ; again they denied the same. XX/XX/XXXX ( XXXX ) - I filed an online dispute with XXXX providing proof of payment, as instructed by XXXX. XX/XX/XXXX ( XXXX ) I went into a local XXXX branch, asking for documentation as proof of date and time the pay off information was sent to XXXX, XXXX representative said they had no documentation. I asked how they communicated payoff to XXXX, they refused to provide this information. XX/XX/XXXX ( XXXX ) I called XXXX again asking if they received documentation of payoff - Representative said : everything was on hold while investigation is being conducted based on dispute filed XX/XX/XXXX. I asked what that meant. Rep said : documentation was sent to XXXX requesting response of payoff. I asked when was the documentation sent. The Rep said : It 's in process. I stated to Rep - since you ca n't tell me what time, then you obviously have not sent the request to the bank. Rep stated even if bank sent or subsequently sends documentation of payoff, I would not know anything until investigation is completed, that they have 30 days, and results would be sent in writing. Since it takes " seconds '' to put me into XXXX, why ca n't I get answers in " seconds '' to my valid questions? Why have I been lied to by both the bank and XXXX? It 's my understanding that this is all done electronically, and I know that wire transfers can occur within 15 minutes - so why does it take these two entities days to document proof of this transaction? I paid cash, borrowing money to pay this outstanding debt, and I ca n't get a straight answer from anybody. I told XXXX I would be filing this complaint, and I 'm requesting an immediate response. My life is on hold while these two institutions fart around. Please advise at your earliest convenience ( i.e. - immediately ). Thank you for your assistance and cooperation.
Product: Money transfer, virtual currency, or money service

I am hereby filing a complaint against Cash App ( operated by Block , Inc. ) due to inadequate customer service, and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App neglected to take time 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 and they did not comply with error resolution requirements under the Electronic Transfer Act and regulation E. These neglectful actions have caused significant inconvenience and financial loss, and I am seeking appropriate reparations due to this inconvenience and financial loss for these violations.
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 claim adequately. They inform me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

XXXX XXXX, I applied for an online loan and instead ofgetting a loan online they stole my information and hacked my bank account using fake checks from XXXX XXXX. They pretended to be me and my bank has been treating me like I did the whole thing.My account is negative thousands of dollars, because of what they did by stealing my account information when all I tried to do was get a loan online. This happened at least XXXX working days ago and the bank is still treating me as if you wrote these bogus checks to be put into my account so they can pull money at an accelerated rate, my bank is too far behind in technology to figure it all out, and has even put me on a check systems list for writing fraud checks.Meanwhile, money I had coming in to survive with is being eaten up and I am penniless.I need resolve fast so I can survive.I am on XXXX and that money is being swallowed up.Please help me.
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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

I contacted TransUnion by phone in XX/XX/XXXX in regards to inquiries that were deleted due to a computer glitch that TransUnion experienced back between XX/XX/XXXX and XX/XX/XXXX. Several inquiries were deleted but added back and I was not given 5 days notice. I contacted TransUnion in good faith and spoke to a Special US handling agent and the agent stated he would removed the inquiries. Only a few of those from that time was removed. These inquiries are a hardship and my rights have been violated by TransUnion, one again. Please help me resolve this issue. I 'm asking that these inquiries be permanently deleted from my report as TransUnion was in violation when they added them back without proper notification. Listed below are the inquiries from that glitch that has still not been removed. 

XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

EST contact was around XX/XX/2018, I would be short on money. I had mad arrangements for Huntington Bank to take 3 payment directly out of my checking account, for 3 months. It was from opening a bank account, and I had not put money into the account. So they fined me XXXX Now today I get a letter from a collection agency XXXX XXXX XXXX a collection company. I'm trying to fix my credit due to another company 's negligence, now I've paid this bank and their trying to collect again, worse yet reported to a collection agency further ruining my credit. I want it removed, since their trying to FRAUDULENTLY SCAM ME AND REPORT TO A CREDIT COLLECTION AGENCY, I WANT MONEY TO COMPENSATE THIS DISTRESS, AND I WANT TO PRESS CHARGES ON HUNTINGTON BANK FOR FRAUDULENTLY TRYING TO COLLECT AGAIN WITHOUT PRIOR NOTIFICATION, AND REPORTING THIS TO A COLLECTION AGENCY. HOW DARE THEM. 

Credit Services
Product: Credit reporting

All negative reports should be deleted from my file. Each account has been paid to the original creditor.
Product: Credit card

Company finally provided me with statements after my original case was opened XXXX Once they sent the information they told me to reach out to executive offices to discuss anything further. Which I have tried 4 times now with no response. 

The original amount of the card was approved for XXXX which we spent, and then cut the card up and set an auto payment on the account. The very last charge on the account is for {$8000.00} which we did not make, nor should it have even gone through as the card was already at its limit. I am trying to discuss this with someone to get to the bottom of it. The card should have been paid off at the payments made from XXXX but chase is saying we still owe XXXX on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to my understanding it was false information on my credit report that XXXX XXXX an Experian credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several reporting violations on my file that need to be addressed according to the letter attached
Product: Prepaid card

I acquired an American express gift card for {$50.00} and I can not use it anywhere online. I do not have the physical card and its a 15 digit number instead of 16 like normal gift cards. Ive tried to purchase an XXXX gift card since I can not split up payments there and it would not go through. So I tried to just buy what I wanted that was less than the {$50.00} ( including taxes, and fees ) by about {$3.00} and it would not go through. I tried using it on XXXX with {$20.00} less than the limit, and it still would not go through.I called customer service twice and they were not helpful at all and just told me that where I was trying to use it wouldnt take it and I got no solutions from them. XXXX charged me XXXX and XXXX I believe XXXX or XXXX. I can not remember right now. I was told would be refunded back to the card in 7 to 10 business days. the reason I picked that card is so I could use it where I wanted and was not limited to a certain store but now I cant use it anywhere.
Product: Student loan

On XX/XX/XXXX I called Mohela who took over my XXXX  Student loans as of XX/XX/XXXX In XXXX, prior to the loans being transferred to the new company I reached out to XXXX as I was having difficulty paying my loans. The customer service representative informed me that I had an additional 12 months of forbearance granted on my account due to consecutive on-time payments. The representative mentioned that I could only account for three months at a time but had 12 months available so to call back in XXXX to extend the forbearance if needed. On XX/XX/XXXX, I called the provider and it took almost 45 minutes to even speak with someone that was able to help me. I was bounced around to departments that were irrelevant and transferred three times disconnected twice. When I finally spoke with the correct representative for my needs, I explained to her what the prior customer service representative had explained to me regarding the forbearance and have requested to extend it this representative then informed me that I had no forbearance available on my account I explained to the representative that when I had called in XXXX, I was informed that I had XXXX consecutive months and I planned on taking that.. The rep that I spoke to on XXXX informed me that she was unsure why the customer service rep would lie because it does not show any forbearance on my account. She then mentioned that she could file a complaint and I would hear back from a manager. I never received any information from a manager and now my loan is getting past due because I am unable to get a hold of anybody to discuss the forbearance, or why I was told misinformation. I have been paying these loans for almost XXXX years and have paid more than I originally owed and still owe more than I started with. This misinformation is yet again a setback and my loan payoff dates continue to become further and further away despite paying every month.
Product: Debt collection

So I moved into XXXX XXXX XXXX  3 years ago into a small one bedroom apartment listed at XXXX  monthly I believe. I didnt have issues paying rent and I had gotten a small puppy shortly after. It was a poodle Id say I got her 5/6 months before my lease was subject to end. It was a 12/13 month lease. Very small dog anyway me and the dog went along fine the office had no idea etc. I walked her in public at the dog park etc. at the same time I got her I got a boyfriend and lost my job at XXXX XXXX for being late. Therefore I asked him if he could help me pay my rent he said he would if I agreed to dog sit for him a few days out of the week : XXXX XXXX caught wind of his dog immediately and threatened to evict me because of it. If I didnt pay a pet fee, a pet deposit all over 500 dollars. I advised them the dog didnt live with me and that I was dog sitting daily for a few hours. At the time there was no policy against this. Because the dog didnt spend the night. So we didnt have the extra money and I moved out swiftly! With only 2/3 months left on my lease but I somehow owe them XXXX dollars if I moved out early from my current complex which is much newer and nicer than theirs I would pay the rent and XXXX dollars which totals to be less than XXXX! I am beyond XXXX about this and I have no proof of my lease because its old and Im just now at a point and age where I care to fight it because I have a child now whos XXXX  and I would eventually like a house.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 been listed as an authorized user on an account. This account is not being reported on XXXX  or Transunion, only XXXX  This account should be reported. 

XXXX XXXX  XXXX Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern : Hi, I would like to complain about the money transfer from the Bank of America. 

The money was sent from XXXX XXXX  in XXXX to the XXXX XXXX ( XXXX XXXX ) through the Bank of America as a correspondent bank on XX/XX/2022. 

The money and the source of money was checked in XXXX already by their security, I have all the official documents from the selling my apt in XXXX. 

The Bank of America asked an English version of the sales agreement, because the XXXX-XXXX one was not enough for them, the additional agreement was sent as well to them with all the necessary signatures and stamps. 

All the previous transactions to the XXXX XXXX XXXX was done properly and fast through XXXX XXXX. 

I purchased the apartment before the special operation in XXXX. This is the first time I experience this situation, that without any reasons the Bank of America is keeping my money. The construction company is charging me penalty for each day of no paying. Help me please! 

XXXX XXXX code : XXXX, XXXX usd, XX/XX/XXXX th. 

I have all the necessary documents to attach if its needed such as XXXX and the agtreement/ the document that the money is in the Bank of America XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Product: Debt collection

I filled a dispute with XXXX  for unauthorized charges for account in collection from contract callers inc. This account was related to ID theft and should be deleted from my credit report. 

Date opened : XX/XX/2018 Amount owed : {$1400.00}
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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.
Product: Credit reporting

Equifax has an incorrect derogatory mark on my record relating to a judgement against my father who has the same name as me. I contacted Equifax and they refused to remove it from my credit report and it is negatively impacting my credit score. I contacted the court that issued the judgement and there is nothing they can do.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 or other personal consumer reports

The fraudulent entries on my consumer report remain despite multiple disputes. These unauthorized items are the result of documented identity theft and were never authorized by me. Your continued reporting of this information violates federal consumer protection laws.