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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

they contacted me about a XXXX XXXX debt and its not even accurate. there's XXXX companies trying to collect on this debt that I do not owe.
Product: Checking or savings account

I have been sick from a XXXX  XXXX  and found it hard to work I need financial assistance my parents won't help me also no one help me I have been u employed for last 6 yrs just recently found a job at XXXX and the workers treated me in they harassed me
Product: Student loan

I was making my monthly payments under the XXXX XXXX period from XX/XX/XXXX- XX/XX/XXXX. The rules were not clear on the deferment at the time and I wanted to ensure that I honored my commitment to the XXXX XXXX XXXX XXXX program. I had requested a refund for those payments on XX/XX/XXXX and was told by Mohela that it would take 60 days to process the refund. At the time, the refund was for all of the payments I had made up until that point. I called again on XX/XX/XXXX and was then told that it would take XXXX business days to process the refund. I additionally requested for a refund for the payments I had made after the XXXX date. Yesterday, XX/XX/XXXX would mark the XXXX business day from that first call in XXXX. I called today to check the status of the refund and all the person could tell me was that it was processing and that there was not anything I could do on my part to expedite the process. I was told today that it will take another XXXX business days for me to receive a refund. 

I feel that Mohela is giving me misleading information about when my refund is going to arrive especially as a former teacher who recently resigned to take care of my own mental health after experiencing three deaths in my family in the past 7 months. I already was not making much to begin with and thought that I would be okay financially operating under the assumption that I was going to receive the refund for all the payments I had made during that time period, which if I'm not mistaken, totals to about {$13000.00}.
Product: Credit reporting

Describe what happened so we can understand the issue ... 
I have several inquiries on my credit report from 2014 through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and I noticed that there were some things on my credit report I had no knowledge of also a few inaccuracies. I sent a dispute letter to all three credit bureaus ( XXXX, XXXX, and Transunion ) I sent this letter more than 35 days ago and the credit bureaus have yet to respond. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Contract with XXXX Citibank XXXX Current Account No.- XXXX and XXXX XXXX XXXX XXXX XXXX.- XXXX XXXX Was Deposited In The Current Account N.- XXXX, On XX/XX/2008 The Value Of {$20000.00}. The Insurance No.- XXXX that Covers the Portfolio No.- XXXX was paid for this Amount, Overdraft Interest was also paid and the Automatic Debit was Made for the Credit Line Payment XXXX XXXX No.- XXXX for a value of {$8300.00}. In the Consolidated Extract for the Month of XX/XX/2008, The Subscription Disappears, The Resources Are Not Applied For {$8300.00}. to the Debt, and it is not reported from then on what happened with the Resources Deposited in the Checking Account and that they were transferred with Automatic Debit as Credit to the XXXX XXXX Account NXXXX XXXX. 
A consolidated extract is presented in the month of XXXX, disappearing the deposit of {$8300.00}. 
A Consolidated Statement Is Presented In The Month Of XXXX Informing : " Your Product Did Not Present Any Movement '' Mishandling of Information Mishandling of Data, Mismanagement of the Resource Shipping Test XXXX Credit XXXX. ( E7 ) Submission Test 2 Appeal does not apply {$8300.00}.? ( E8 )
Product: Debt collection

A company by the name of Midland Credit Management , Inc., of XXXX XXXX, wrote me about two months ago saying that an unpaid balance of {$230.00} on a XXXX BankXXXX account was sold to them on XXXX. I wrote them back that I had never had an account with XXXX and had never received any requests for payment from a XXXX Bank. I stated that apparently my name had been either maliciously or accidentally attached to this account, and I had no intent of paying for something I had never bought. After another letter or XXXX, the latest from XXXX XXXX, their Division Manager, is now saying " we will no longer be contacting you regarding this account by phone or mail unless it is to further respond to this dispute by you. ''
Product: Checking or savings account

On XX/XX/XXXX, I noticed in my online banking account there was a fraudulent charge of {$110.00} from XXXX using my debit card information. I immediately called Santander to report this charge. The woman I spoke with asked me about a few other charges, that we also found fraudulent but used my routing and checking account number. At this point, a freeze had to be placed on my account as my debit card and checking account had been compromised. During our conversation, I specifically asked the representative about direct deposit and automatic payments. She confirmed that direct deposit would still go through as well as " normal '' bill payments ( she specifically stated, and I confirmed this meant automatic payments that had been set up that are normal monthly payments, not one time payments ). Because of this, and given it was the holiday, while also working on setting up a new checking account, I purposely left enough money in the checking account to cover the bill payments that would be coming out. On XX/XX/XXXX, I was notified by one of my credit card companies that the payment was rejected and they had charged a late fee. From XX/XX/XXXX through XXXX, a total of five ( 5 ) of my creditors had processed a payment and it was returned for account frozen. Each of them charged different fees - late fees and/or returned check fees. I called my bank on that same day when I found out the payment was returned, XX/XX/XXXX, and spoke with a man, to ask why the payments were returned. He confirmed the rep I previously spoke with provided incorrect information, but advised me to send an email to XXXX with the copy of the statements/fees charged so someone could review them and submit for a refund. I sent the email on XXXX, which included two charges, that I was aware of at the time. I then sent a 2nd email on XX/XX/XXXX, and made a phone call, as I had not heard back from anyone, with the additional fees I was notified of from my creditors. On XX/XX/XXXX, I sent a 3rd email asking for a status update, still with no response. As of XXXX, I still had not received any response or call back, as previously promised, so I called Santander again. I spoke with a rep and then a supervisor, both who said the review of refunding the fees was complete, but denied because the account was frozen and they are not responsible for that. I again explained that the issue was with the representation on XX/XX/XXXX, who advised me that those check payments would go through. I then escalated to a manager, who I had to leave a voicemail for, was told I would receive a call back within 24-48 hours. It has now been over 48 hours, with no follow-up or call back.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged XX/XX/XXXX XXXX U.S. Bankruptcy Court Exempt Amount : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 I sent a letter to Experian in regards to a collection account that appeared on my credit report from an account that I paid in full with the original creditor already! This is ridiculous and I need this rectified so that I can buy my home in 3 months. It has been more than 30 days and I have not received a response yet.
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 fit these violations
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a separate fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a auto loan. 
These account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies bureaus : Experian Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan opened on XXXX {$120000.00} # XXXX XXXX XXXX account have resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Mortgage

I was told by a telephone representative of Mr Cooper informed me that Due to COVID 19 I didn't have to make a payment for a year. It was not mentioned that i would have to pay it back in a year, nor was i informed of a forbearance. i am almost XXXX  year old with undefined heath issuers and a t risk for Covid 19.Therefore I am not able continue in the work force.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister XXXX XXXX added me as a authorized user to her XXXX account. XXXX listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.
Product: Debt collection

Hello there. I am writing about a debt that is not mine. I am not alone on this matter as many XXXX drivers who leased a car from a company called XXXX XXXX is getting debt collection letters from a debt collection agency named RPM ( Receivables Performance Management ). I leased a car from this company starting in the Spring of XXXX and returned the car XX/XX/XXXX. Sometime around early XXXX, XXXX XXXX contracts and portfolios were sold to a company called XXXX XXXX XXXX. They took over the leases from XXXX XXXX. I have always paid my leasing fees ON TIME and in a timely manner. Now, suddenly after a little over 3 years of returning the car I get a very mysterious debt of {$4200.00}. On the Debt collection letter, it states that the Current Creditor is XXXX XXXX XXXX, XXXX. Original Creditor listed as XXXX XXXX XXXX. I already sent a dispute letter to RPM. As for XXXX XXXX XXXX, fraud or accounting negligence ( or maybe both ) must of occurred once XXXX XXXX was sold to XXXX XXXX XXXX. I satisfied the contract to XXXX and believe that RPM 's bill is based on bad information. So, the XXXX big players here that should be looked into are : Receivables Performance Management , LLC ( Debt Collector ) XXXX XXXX XXXX, XXXX ( Creditor ) Fair Acquisition, XXXX ( Leasing Company When Car Was Returned )
Product: Debt collection

I have contacted this company on several occasions and finally settled to pay my balance in XXXX. There was 2 payments made of {$280.00} dollars on XX/XX/XXXX and XX/XX/XXXX. I was told once the payment was received it would be reported to the credit bureau as settled and paid. Fast forward to today XX/XX/XXXX this account was reported as late. I contacted this company and I initially was told my account doesnt qualify for a settlement. So I advised that I had the letters and was provided a different answer then stating she found the letter in the system and she would need to send me to another department. I was transferred and advised that it would take 7-10 days to update my report. Not acceptable it should have never been reported late at all and it should have been documented that the account was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX is currently reporting a charge off for XXXX. I have disputed this several times asking for verification. They just send me a letter stating its verified. I have asked for Method of verification and received nothing but the same letters over and over again. Since they have not provided proper verification, and can not seem to provide me with names, addresses and details of the method of verification then this should be removed from my report immediately. I have given them a significant amount of time to provide such information. I have sent more than 4 letters in regards to this account and have received nothing but a standard " its verified '' letter in return. By law, I am entitled to the details of method of verification, therefore they are violating my rights. 
They are also reporting this has a balance, is a closed but revolving account and every month reporting late payments which is also incorrect reporting. Again, due to this additional information it should be permanently removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm am recent Victim of three online scams containing financial fraud and identity theft. 
I want to place a fraud alert and security and or credit alert and freeze on all three credit files in my name with the three credit bureaus.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX and i see inaccurate information on my credit report i reached out to the company and no verification or proof was given. 

I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues.despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle has not investigated my claims properly. They could not locate lost funds, CFPB indicates that that Zelle failed to protect users but as also allowed repeated offenders to take advantage of the system.this leaves me with concerns about my safety as a consumer and how my information is being used as well as other consumers with the same issues and concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account ( s ), has violated my rights. ( listed below ) XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency Connot furnish an account without my written consent.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.